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Company Analysis

Root, Inc. ROOT

A comprehensive view of key metrics, scores, and financial health for Root, Inc.

Overview of Root, Inc.

ROOT NMS
Financial Services Insurance - Property & Casualty Small Cap
Root, Inc. (ROOT), is a Small Cap company, in the Insurance - Property & Casualty industry, last closed at $43.76, about 59.3% overvalued vs fair value, -71.3% 1Y return, ranked 722/1004 in sector.
$43.76
-4.54%
As of March 13, 2026
Previous close • Vol 90d: 68.1%
Market Cap
$746.31M
Enterprise Value
$683.81M
Overall Score
Scores locked

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Top Beats

Quick Facts

Website https://www.joinroot.com
HQ Columbus, OH
Employees 1,256
Fiscal year Dec 31

Next Events

Earnings May 6 Estimated

Fair Value Snapshot

Bear Base Bull
$10
$18
$33
Current: $43.76 -59% vs base

Engine Room Money Flow™

Small Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$41.5M
26.5%%
Interest Expense
$21.4M
Net Interest Income
$-42.2M
8.5%%
Total Revenue
$1.5B
29%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
15.2%
Excellent

Net Income / Equity - key bank profitability metric

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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$28.0M
90.6% of Net Income

Where It Leaks

Cash Flow Health some concerns
Moderate efficiency issues detected. Review active leaks below for improvement areas.
2
Active Leaks
2/2
Improving
0
High Impact
0
Critical
Locked Leak
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Moat Analysis Corporate Default

Competitive Advantage Assessment

Evaluating Root, Inc.'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
32
/100
Developing
Scores based on quantitative metrics and qualitative factors

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Pricing Power

Weak
16
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Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Generic Industrial / Default vs Industry Peers 88% Coverage
Trade-Off Triangle Visualization A ternary plot showing ROOT's balance between Growth (51.7%), Profitability (18.3%), and Safety (30.0%). Growth 52% Safety 30% Profitability 18%

Click axes to expand details. Marker shows current allocation.

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Growth

87th percentile vs peers
87
Key Signals
Rev Growth YoY 28.9% 91p Revenue CAGR 3Y 69.6% 97p EPS Growth YoY 1.18 68p
Strengths
  • Growth performance in top 20% of peers (percentile: 87)
  • Rev Growth Yoy in top 20% of peers (28.9%, 91th percentile)
  • Revenue Cagr 3Y in top 20% of peers (69.6%, 97th percentile)
  • D/E Ratio in top 20% of peers (50.5%, 93th percentile)
  • Roic in top 20% of peers (18.1%, 82th percentile)
Risks

No significant risks identified for this axis.

Profitability

30th percentile vs peers
31
Key Signals
Strengths
Risks
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Safety

50th percentile vs peers
51
Key Signals
Strengths
Safety drilldowns are available to premium members.

Two Futures

Scenario-based fair value ranges for Root, Inc..

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

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  • Shell companies or holding companies
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Bear
-
- - -
- upside
-
Base
$17.81
- - -
-59.3% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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