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Financial Services - Insurance - Property & Casualty - NASDAQ - US
$ 121.54
3.43 %
$ 1.96 B
Market Cap
39.67
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on Jul, 21, 2025.

The intrinsic value of one ROOT stock under the worst case scenario is HIDDEN Compared to the current market price of 122 USD, Root, Inc. is HIDDEN

This DCF valuation model was last updated on Jul, 21, 2025.

The intrinsic value of one ROOT stock under the base case scenario is HIDDEN Compared to the current market price of 122 USD, Root, Inc. is HIDDEN

This DCF valuation model was last updated on Jul, 21, 2025.

The intrinsic value of one ROOT stock under the best case scenario is HIDDEN Compared to the current market price of 122 USD, Root, Inc. is HIDDEN

2. FUNDAMENTAL ANALYSIS

Price Chart ROOT

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$180.0$180.0$170.0$170.0$160.0$160.0$150.0$150.0$140.0$140.0$130.0$130.0$120.0$120.0$110.0$110.0$100.0$100.0$90.0$90.0$80.0$80.0Feb '25Feb '2515 Feb15 FebMar '25Mar '2515 Mar15 MarApr '25Apr '2515 Apr15 AprMay '25May '2515 May15 MayJun '25Jun '2515 Jun15 JunJul '25Jul '2515 Jul15 Jul
FINANCIALS
1.18 B REVENUE
158.57%
78.5 M OPERATING INCOME
177.49%
30.9 M NET INCOME
120.96%
196 M OPERATING CASH FLOW
682.44%
-154 M INVESTING CASH FLOW
-237.86%
-121 M FINANCING CASH FLOW
-2843.90%
9.4 M REVENUE
-97.12%
18.4 M OPERATING INCOME
-47.28%
18.4 M NET INCOME
-16.74%
26.8 M OPERATING CASH FLOW
-61.27%
-13.8 M INVESTING CASH FLOW
65.76%
-2.8 M FINANCING CASH FLOW
97.32%
Balance Sheet Root, Inc.
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Current Assets 230 M
Cash & Short-Term Investments 230 M
Receivables 0
Other Current Assets 0
Non-Current Assets 307 M
Long-Term Investments 307 M
PP&E 0
Other Non-Current Assets 0
42.89 %57.11 %Total Assets$537.2m
Current Liabilities 301 M
Accounts Payable 104 M
Short-Term Debt 0
Other Current Liabilities 198 M
Non-Current Liabilities 200 M
Long-Term Debt 196 M
Other Non-Current Liabilities 3.8 M
20.72 %39.38 %39.14 %Total Liabilities$501.5m
EFFICIENCY
Earnings Waterfall Root, Inc.
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Revenue 1.18 B
Cost Of Revenue 42.2 M
Gross Profit 1.18 B
Operating Expenses 1.1 B
Operating Income 78.5 M
Other Expenses 47.6 M
Net Income 30.9 M
1b1b1b1b800m800m600m600m400m400m200m200m001b(42m)1b(1b)79m(48m)31mRevenueRevenueCost Of RevenueCost Of RevenueGross ProfitGross ProfitOperating ExpensesOperating ExpensesOperating IncomeOperating IncomeOther ExpensesOther ExpensesNet IncomeNet Income
RATIOS
100.00% GROSS MARGIN
100.00%
6.67% OPERATING MARGIN
6.67%
2.63% NET MARGIN
2.63%
15.17% ROE
15.17%
2.07% ROA
2.07%
33.29% ROIC
33.29%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis Root, Inc.
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200m200m100m100m00(100m)(100m)(200m)(200m)(300m)(300m)(400m)(400m)(500m)(500m)20192019202020202021202120222022202320232024202420252025
Net Income 30.9 M
Depreciation & Amortization 14.9 M
Capital Expenditures -11.8 M
Stock-Based Compensation 22.3 M
Change in Working Capital 88.6 M
Others 265 M
Free Cash Flow 184 M
3. WALL STREET ANALYSTS ESTIMATES
Wall Street Analysts Price Targets Root, Inc.
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Wall Street analysts predict an average 1-year price target for ROOT of $14.1 , with forecasts ranging from a low of $5 to a high of $37.3 .
ROOT Lowest Price Target Wall Street Target
5 USD -95.89%
ROOT Average Price Target Wall Street Target
14.1 USD -88.44%
ROOT Highest Price Target Wall Street Target
37.3 USD -69.34%
Price
Max Price Target
Min Price Target
Average Price Target
180180160160140140120120100100808060604040202000Sep '24Sep '24Nov '24Nov '2420252025Feb '25Feb '25Apr '25Apr '25Jun '25Jun '25Jul '25Jul '25Aug '25Aug '25Oct '25Oct '25Nov '25Nov '2520262026Feb '26Feb '26Apr '26Apr '26Jun '26Jun '26Jul '26Jul '26
4. DIVIDEND ANALYSIS
5. COMPETITION
slide 2 of 8
6. Ownership
Insider Ownership Root, Inc.
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Sold
0-3 MONTHS
34 M USD 7
3-6 MONTHS
2.66 M USD 3
6-9 MONTHS
37.8 M USD 3
9-12 MONTHS
0 USD 0
Bought
0 USD 0
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
7. News
Root, Inc. Schedules Conference Call to Discuss Second Quarter 2025 Financial Results COLUMBUS, Ohio, July 10, 2025 (GLOBE NEWSWIRE) -- Root, Inc. (NASDAQ: ROOT), the parent company of Root Insurance Company, today announced its plans to host a conference call on Wednesday, August 6, 2025 at 5:00 p.m. Eastern Time to discuss financial results for the second quarter 2025 and provide an update on company operations. The company plans to release its second quarter results in the Investor Relations section of its website at ir.joinroot.com following the close of the financial markets on Wednesday, August 6, 2025. globenewswire.com - 2 weeks ago
4 P&C Insurance Stocks That Have Gained More Than 25% YTD Despite higher catastrophe losses, HRTG, PLMR, ROOT and HCI not only outperform the industry but also crush the Zacks S&P 500 composite and Finance sector. zacks.com - 3 weeks ago
‘THE ROOT WORRY': Bank of America CEO reveals what the Iran conflict means for markets Bank of America Chairman and CEO Brian Moynihan weighs in on the geopolitical climate's impact on markets, wealth transfer, President Donald Trump's 'big, beautiful bill' and more during his sit-down interview on 'Mornings with Maria.' youtube.com - 1 month ago
4 Growth Stocks From the Insurance Space to Add to Your Portfolio Given the prospects of the insurance industry, EVER, HMN, ROOT and HCI have the potential to generate better returns than other players. zacks.com - 1 month ago
Is Root (ROOT) Stock Outpacing Its Finance Peers This Year? Here is how Root, Inc. (ROOT) and Banco De Chile (BCH) have performed compared to their sector so far this year. zacks.com - 1 month ago
5 Stocks Set to Soar This Summer The old market adage says, “Sell in May and go away,” but this year is proving to be anything but typical. Instead of retreating, the market surged in May, with the S&P 500 posting a gain of over 6% for the month. marketbeat.com - 1 month ago
ROOT Moves Above 200-Day SMA: Buy, Hold or Sell the Stock? ROOT surges past 200-day SMA as YTD gains hit 72.6%, backed by margin growth, tech focus and strong ROE despite trading at a premium. zacks.com - 1 month ago
Root, Inc. to Participate in Upcoming Investor Conferences COLUMBUS, Ohio, May 21, 2025 (GLOBE NEWSWIRE) -- Root, Inc. (NASDAQ: ROOT), a leading technology company powering insurance solutions and the parent company of Root Insurance, today announced that it will participate in three upcoming investor conferences in New York City. globenewswire.com - 2 months ago
5 Small-Cap Stocks to Watch for Big Speculative Gains Small caps are risky for investors, but can pay richly, which is why investors need exposure. The question is the best approach, which is a cautious one, taking the time to watch and wait for the right stocks and not investing too much into any one. marketbeat.com - 2 months ago
The Blood Pressure Solution Under Review: Complete Hypertension Support System for High BP A Natural, Functional Medicine-Based Blood Pressure Program Offers a Drug-Free Alternative to Hypertension Through Nutrition, Lifestyle, and Root-Cause Reversal Strategies A Natural, Functional Medicine-Based Blood Pressure Program Offers a Drug-Free Alternative to Hypertension Through Nutrition, Lifestyle, and Root-Cause Reversal Strategies globenewswire.com - 2 months ago
What Makes Root, Inc. (ROOT) a Strong Momentum Stock: Buy Now? Does Root, Inc. (ROOT) have what it takes to be a top stock pick for momentum investors? Let's find out. zacks.com - 2 months ago
Surging Earnings Estimates Signal Upside for Root (ROOT) Stock Root (ROOT) shares have started gaining and might continue moving higher in the near term, as indicated by solid earnings estimate revisions. zacks.com - 2 months ago
8. Profile Summary

Root, Inc. ROOT

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COUNTRY US
INDUSTRY Insurance - Property & Casualty
MARKET CAP $ 1.96 B
Dividend Yield 0.00%
Description Root, Inc. provides insurance products and services in the United States. The company offers automobile, homeowners, and renters insurance products. The company operates a direct-to-consumer model and serves customers primarily through mobile applications, as well as through its website. Its direct distribution channels also cover digital, media, and referral channels, as well as distribution partners and agencies. The company was incorporated in 2015 and is headquartered in Columbus, Ohio.
Contact 80 East Rich Street, Columbus, OH, 43215 https://joinroot.com
IPO Date Oct. 28, 2020
Employees 1021
Officers Mr. Alexander Edward Timm Co-Founder, Chief Executive Officer & Chairman Mr. Jonathan Alexander Allison Chief Administrative Officer Ms. Jill Kellett Vice President of Product & Marketing Ms. Kelly Ruoff Chief Communications Officer Mr. Matthew Patrick LaMalva Head of Investor Relations Jodi Emmert Baker Vice President, General Counsel & Secretary Mr. Mark LeMaster Chief Claims & Customer Service Officer Mr. Mahtiyar Bonakdarpour President & Chief Technology Officer Ms. Megan Nicole Binkley Chief Financial Officer Mr. Ryan William Forish Chief Accounting Officer