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Root, Inc.

ROOT

$46.24 ▼ -10.98 (-19.19%) at close

9 Visible periods

32 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Fair

Bullish

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Analytical Summary

Root, Inc. shows strong fundamentals with top-quartile Return on Common Equity (%). The company's metrics support a bullish outlook for growth-oriented investors.

Market Cap $712.1M

Dividend Yield —

Revenue Growth 29.0% ↘

Op. Margin 4.1% ↘

ROIC None

FCF / Share None

Trailing P/E 18.6x

Price / Book 2.5x

FCF Yield —

Debt / Equity 0.70

info Valuation on last close. End-of-day price, Nov 5, 2026.

9-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$1.52B

↑ +29.0% —

Net Income Profit after all expenses

$40.30M

↑ +30.4% —

Operating Margin Operating profit as % of sales

4.1%

↓ -38.9% 40th

Long-Term Debt Long-term obligations

$200.30M

— +0.1% —

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Bullish Indicators

Return on Common Equity (%)Return on Common Equity (%) is in the top quartile

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Bearish Risks

No bearish risks detected.

Health Breakdown

Profitability

Returns

Financial Health

Financial view

Statement lens

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📈 Is growth accelerating? 6 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗
Revenue Growth YoY (%)	29.0% Excellent ↓ Excellent Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+383%)	158.6% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+2543%)	46.4% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+673%)	-10.0% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-267%)	-0.4% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-107%)	19.5% Good Good Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+225%)	570.2% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+9403%)	—	—
EPS Growth YoY (%)	27.0% Excellent ↓ Excellent Declining Year-over-year change in earnings per share Optimal: > 10%	N/M	51.5% Excellent ↓ Excellent Declining Year-over-year change in earnings per share Optimal: > 10%	44.1% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	97.6% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	—	—	—	—
Net Income Growth YoY (%)	30.4% Excellent ↓ Excellent Declining Year-over-year change in net income	N/M	50.5% Excellent ↑ Excellent Improving Year-over-year change in net income	42.9% Excellent ↑ Excellent Improving Year-over-year change in net income	-43.6% Weak ↑ Weak Improving Year-over-year change in net income	-28.5% Weak Weak Year-over-year change in net income	-308.7% Weak Weak Year-over-year change in net income	—	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Revenue CAGR 3Y (%)	69.6% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	50.5% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	9.5% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	2.3% Caution Caution Compound annual revenue growth over 3 years	99.8% Excellent Excellent Compound annual revenue growth over 3 years	—	—	—	—
Revenue CAGR 5Y (%)	34.3% Excellent ↓ Excellent Declining Compound annual revenue growth over 5 years	32.3% Excellent Excellent Compound annual revenue growth over 5 years	60.1% Excellent Excellent Compound annual revenue growth over 5 years	—	—	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗
Operating Margin (%) (%)	4.1% Weak ↑ Weak Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-84%)	6.7% Caution ↑ Caution Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-73%)	-22.3% Weak ↑ Weak Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-189%)	-84.7% Weak ↑ Weak Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-439%)	-140.5% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-662%)	-82.3% Weak ↑ Weak Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-429%)	-97.3% Weak Weak Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-489%)	-159.6% Weak Weak Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-738%)	—
Effective Tax Rate (%) (%)	1.2% Excellent ↑ Excellent Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	0.0% Excellent → Excellent Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	0.0% Excellent → Excellent Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	0.0% Excellent → Excellent Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	0.0% Excellent → Excellent Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	0.0% Excellent → Excellent Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	0.0% Excellent Excellent Actual taxes paid relative to pre-tax income Optimal: 15-25%	0.0% Excellent Excellent Actual taxes paid relative to pre-tax income Optimal: 15-25%	—
Profit Margin (%) (%)	2.7% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-88%)	2.6% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-88%)	-32.4% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-247%)	-95.8% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-535%)	-150.9% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-786%)	-104.7% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-576%)	-97.3% Weak Weak Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-542%)	-159.6% Weak Weak Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-825%)	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	3.7% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	5.2% Caution ↑ Caution Improving Operating profit relative to total assets Optimal: > 10%	-7.5% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	-20.0% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	-36.8% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	-16.2% Weak Weak Operating profit relative to total assets Optimal: > 10%	-38.8% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—
Return on Common Equity (%) (%)	14.2% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+18%)	15.2% Good ↑ Good Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+26%)	-89.0% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-841%)	-107.4% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-995%)	-97.1% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-910%)	-35.2% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-393%)	75.5% Excellent Excellent Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+529%)	67.3% Excellent Excellent Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+461%)	—

⚖️ Is the balance sheet risky? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗
Debt to Equity (x)	0.70x Fair ↓ Fair Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-41%)	0.98x Fair → Fair Stable Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-18%)	1.80x Weak ↑ Weak Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+50%)	1.07x Caution ↑ Caution Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-11%)	0.00x Excellent ↑ Excellent Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-100%)	0.18x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-85%)	-0.51x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-143%)	—	—
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 6 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗
Revenue per Share (USD)	$98.51	$78.96	$31.60	$22.04	$25.03	$1.49K	—	—	—
Basic EPS, GAAP (USD)	$2.49	$1.96	$-10.24	$-21.11	$-37.76	$-1.56K	—	—	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Book Value per Share (USD)	$18.46	$13.67	$11.51	$19.65	$38.87	$4.43K	$-2.73K	—	—
Tangible Book Value per Share (USD)	$18.46	$13.67	$11.51	$19.65	$38.87	$4.43K	$-2.73K	—	—
Basic Weighted Avg Shares (shares)	15.40M	14.90M	14.40M	14.10M	13.80M	233,230	—	—	—

🏦 How resilient is the balance sheet? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
LT Debt (USD)	$200.30M	$200.10M	$299.00M	$295.40M	$0.00	$188.20M	$192.20M	—	—
Total Equity (USD)	$284.30M	$203.70M	$165.70M	$277.10M	$536.40M	$1.03B	$-374.00M	$-102.70M	$-33.60M

📋 What is driving earnings? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗
Sales/Revenue/Turnover (USD)	$1.52B	$1.18B	$455.00M	$310.80M	$345.40M	$346.80M	$290.20M	$43.30M	—
Depreciation Expense (USD)	$200.00K	$1.00M	$1.50M	$2.10M	$4.60M	$3.10M	$1.70M	$300.00K	—
Net Income, GAAP (USD)	$40.30M	$30.90M	$-147.40M	$-297.70M	$-521.10M	$-363.00M	$-282.40M	$-69.10M	—
Operating Cash Flow (USD)	$206.50M	$195.70M	$-33.60M	$-210.60M	$-403.40M	$-287.20M	$-127.20M	$-26.10M	—

🏛️ Sector-Specific 1 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗
Premiums Earned (USD)	$1.40B	$1.07B	$399.90M	$285.90M	$310.30M	$322.50M	$275.30M	$40.20M	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced 4 days ago 9 years · 31 quarters

Root, Inc.

Analytical Summary

9-Year Financial Trajectory

Bullish Indicators

Bearish Risks

Health Breakdown

Statement lens

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Peer Comparison

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