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Root Inc

Root Inc

ROOT
$53.49USD+1.32%+0.70 today

MARKET CAP

828.3M

P/E (TTM)

22.0x

FWD P/E

DAY RANGE

$52 – $54

52W RANGE

$41
$104

AI Summary

Stalk
StalkMedium

In a Stage 2 speculative advance with bullish medium- and long-term context, price is currently extended and overbought, warranting deferred entry on a pullback into the rising EMA zone to maintain asymmetric risk-reward.

  • Revenue grew 2% YoY to $389M; net income +15% YoY to $25M, driving a 31% ROE.
  • Net combined ratio of 92.1% demonstrates disciplined underwriting and cost control.
  • Management expects relatively flat PIF growth in 2026 if pricing pressures persist.
Full analysis →
STATEMENT·Income statement
USD · GAAP
METRICFY 2021FY 2022FY 2023FY 2024FY 2025TREND
Sales, Adj.$345.4M$310.8M$455.0M$1.2B$1.5B
YoY %-0.4%-10.0%+46.4%+158.6%+29.0%
P / Sales2.2x0.2x0.3x1.0x0.8x
EV / Sales2.1x0.7x1.2x1.5x1.2x
Gross Profit, Adj.$-46.9M$-40.2M$123.7M$443.5M$592.9M
YoY %-193.1%+14.3%+407.7%+258.5%+33.7%
Margin %-13.6%-12.9%27.2%37.7%39.1%
EV / Gross Profit-15.7x-5.5x4.4x4.1x3.1x
EBITDA, Adj.$-468.6M$-249.3M$-88.7M$93.4M$73.6M
YoY %-73.7%+46.8%+64.4%+205.3%-21.2%
Margin %-135.7%-80.2%-19.5%7.9%4.9%
EV / EBITDA-1.6x-0.9x-6.1x19.4x25.1x
EBIT$-485.2M$-263.1M$-101.3M$73.1M$61.8M
YoY %-70.1%+45.8%+61.5%+172.2%-15.5%
Margin %-140.5%-84.7%-22.3%6.2%4.1%
EV / EBIT-1.5x-0.8x-5.4x24.7x29.8x
Net Income$-521.1M$-297.7M$-147.4M$29.2M$38.3M
YoY %-43.6%+42.9%+50.5%+119.8%+31.2%
Net Margin-150.9%-95.8%-32.4%2.5%2.5%
EPS (GAAP)-$37.76-$21.11-$10.24$1.83$2.36
YoY %+56.3%+44.1%+51.5%+117.9%+29.0%