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Root, Inc. provides insurance products and services in the United States. The company offers automobile and renters insurance products primarily through websites, mobile applications, and partnership channels. Root, Inc. was incorporated in 2015 and is headquartered in Columbus, Ohio.
Source: TradingView
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A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.
Root Inc operates a technology-driven personal auto insurance business that uses mobile telematics and data analytics for pricing and underwriting. Long-term growth drivers include expanding policies in force across states, product diversification, refined risk models and scale-driven loss ratio improvement, and partnerships that could lower customer acquisition costs. These factors may benefit margins and underwriting performance as the business scales.
The most important risks are continued underwriting losses, the need for additional capital to support growth, and heavy competition and regulatory scrutiny that may constrain margin recovery.
Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Income before tax | 40.80M | 30.90M | -147.40M | -297.70M | -521.10M |
| Net income | 40.30M | 30.90M | -147.40M | 6.20M | -521.10M |
| Selling general administrative | 96.90M | 69.50M | 83.30M | 127.40M | 97.60M |
| Selling and marketing expenses | 174.80M | 135.80M | 49.30M | 48.00M | 270.20M |
| Gross profit | 386.60M | 337.10M | 76.10M | 310.80M | 345.40M |
| Reconciled depreciation | 11.80M | 14.90M | 12.60M | 13.80M | 16.60M |
| Ebit | 61.80M | 73.10M | -101.30M | -263.10M | -527.90M |
| Ebitda | 73.60M | 88.00M | -88.70M | -249.30M | -511.30M |
| Depreciation and amortization | 11.80M | 14.90M | 12.60M | 13.80M | 16.60M |
| Non operating income net other | - | - | - | - | -15.90M |
| Operating income | 40.80M | 30.90M | -147.40M | -263.10M | -527.90M |
| Other operating expenses | 1476.30M | 1145.60M | 602.40M | 608.50M | 866.50M |
| Interest expense | 21.00M | 42.20M | 46.10M | 34.60M | 20.00M |
| Tax provision | -0.50M | 0.00M | 0.00M | 0.00M | 0.00M |
| Interest income | 40.10M | 41.50M | 32.80M | 8.10M | 3.50M |
| Net interest income | -21.00M | -42.20M | -46.10M | -34.60M | -20.00M |
| Income tax expense | -0.50M | 30.90M | -155.20M | -303.90M | 20.00M |
| Total revenue | 1517.10M | 1176.50M | 455.00M | 310.80M | 345.40M |
| Total operating expenses | 345.80M | 306.20M | 223.50M | 573.90M | -873.30M |
| Cost of revenue | 1130.50M | 839.40M | 378.90M | - | - |
| Total other income expense net | -21.00M | -47.60M | -46.10M | -34.60M | 6.80M |
| Net income from continuing ops | 41.30M | 30.90M | -147.40M | -297.70M | -521.10M |
| Net income applicable to common shares | - | - | - | -297.70M | -521.10M |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Total assets | 1674.50M | 1495.70M | 1174.20M | 1312.90M | 1319.30M |
| Intangible assets | 27.60M | 22.00M | 29.40M | - | - |
| Other current assets | - | -1362.00M | 953.10M | 149.80M | -280.20M |
| Total liab | 1142.10M | 1004.30M | 896.50M | 1035.80M | 130.70M |
| Total stockholder equity | 396.30M | 315.70M | 277.70M | 277.10M | 536.40M |
| Other current liab | - | -103.90M | 101.20M | -119.80M | -130.70M |
| Common stock | - | - | - | - | -112.00M |
| Capital stock | 0.00M | 0.00M | 0.00M | 0.00M | 0.00M |
| Retained earnings | -1641.60M | -1681.90M | -1715.20M | -1567.80M | -1270.10M |
| Other liab | - | - | - | 321.90M | 360.10M |
| Other assets | - | 1495.70M | 250.70M | 300.20M | 40.10M |
| Cash | 689.90M | 600.30M | 679.70M | 762.10M | 706.00M |
| Total current liabilities | 389.70M | 331.00M | 224.20M | 39.70M | 130.70M |
| Current deferred revenue | 387.40M | 328.80M | - | - | - |
| Net debt | -488.60M | -398.00M | -380.40M | -466.70M | -706.00M |
| Short term debt | 2.30M | 2.20M | 3.00M | - | - |
| Short long term debt total | 201.30M | 202.30M | 299.30M | 295.40M | 292.30M |
| Other stockholder equity | 1922.00M | 1887.90M | 1883.40M | 1738.70M | 1694.10M |
| Property plant equipment | - | - | - | 9.80M | 15.40M |
| Total current assets | 1022.70M | 905.60M | 953.10M | 874.40M | 1139.00M |
| Long term investments | 387.00M | 306.80M | 166.80M | 133.20M | 134.60M |
| Net tangible assets | - | - | - | 389.10M | 648.40M |
| Short term investments | 387.00M | 306.80M | 26.30M | 128.80M | 129.90M |
| Net receivables | 332.80M | 305.30M | 372.40M | 260.70M | 303.10M |
| Long term debt | 200.30M | 200.10M | 291.10M | 295.40M | - |
| Inventory | - | - | -926.70M | - | - |
| Accounts payable | 76.60M | 103.90M | 120.00M | 159.50M | 130.70M |
| Accumulated other comprehensive income | 3.90M | -2.30M | -2.50M | -5.80M | 0.40M |
| Retained earnings total equity | - | - | - | -1567.80M | -1270.10M |
| Non currrent assets other | 93.50M | 76.80M | 210.40M | 4.00M | -140.20M |
| Non current assets total | 515.70M | 414.40M | 221.10M | 138.30M | 140.20M |
| Long term debt total | - | - | - | 295.40M | - |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Investments | -77.60M | -154.40M | -57.10M | -6.50M | 88.10M |
| Change to liabilities | - | - | - | 1.00M | 26.60M |
| Total cashflows from investing activities | -91.70M | -154.40M | -45.70M | -16.60M | 76.90M |
| Net borrowings | 0.00M | -102.70M | 0.00M | 286.00M | 199.50M |
| Total cash from financing activities | -25.20M | -120.70M | -4.10M | 283.30M | -80.30M |
| Change to operating activities | - | - | - | 19.20M | 88.20M |
| Net income | 40.30M | 30.90M | -147.40M | -297.70M | -521.10M |
| Change in cash | 89.60M | -79.40M | -83.40M | 56.10M | -406.80M |
| Begin period cash flow | 600.30M | 679.70M | 763.10M | 707.00M | 1113.80M |
| End period cash flow | 689.90M | 600.30M | 679.70M | 763.10M | 707.00M |
| Total cash from operating activities | 206.50M | 195.70M | -33.60M | -210.60M | -403.40M |
| Issuance of capital stock | - | - | 0.00M | 0.00M | 126.50M |
| Depreciation | 11.80M | 14.90M | 12.60M | 13.80M | 16.60M |
| Other cashflows from investing activities | -14.10M | -11.40M | -9.20M | -10.10M | -6.60M |
| Dividends paid | - | 25.00M | - | - | 126.50M |
| Change to account receivables | -43.40M | -117.10M | -125.80M | 25.00M | -70.10M |
| Sale purchase of stock | 0.00M | -3.00M | -3.00M | -3.00M | -10.50M |
| Other cashflows from financing activities | -25.50M | -18.00M | -4.10M | 289.30M | 129.70M |
| Change to netincome | - | - | - | 44.50M | 52.20M |
| Capital expenditures | 14.10M | 11.80M | 9.40M | 10.10M | 11.20M |
| Change receivables | - | - | - | 51.60M | -58.10M |
| Cash flows other operating | - | - | - | -23.80M | 80.40M |
| Cash and cash equivalents changes | - | - | - | 56.10M | -406.80M |
| Change in working capital | 58.40M | 88.60M | 52.70M | 12.30M | 52.30M |
| Stock based compensation | 40.10M | 22.30M | 34.70M | 30.50M | 19.30M |
| Other non cash items | 55.90M | 39.00M | 13.80M | 30.50M | 15.90M |
| Free cash flow | 192.40M | 183.90M | -43.00M | -220.70M | -414.60M |
Sector: Financial Services Industry: Insurance - Property & Casualty
|
Stock Name
|
Change
(USD) |
Price
(USD) |
Trailing
PE (x) |
Forward
PE (x) |
Price Sales
TTM (x) |
Price to Book Value (x)
|
Enterprise Value
to Revenue (x) |
|---|---|---|---|---|---|---|---|
| ROOT Root Inc |
2.14 4.14% |
53.87 | 15.18 | 3.44 | 0.53 | 2.56 | 0.34 |
| CB Chubb Ltd |
- -% |
366.54 | 12.11 | 11.83 | 2.13 | 1.75 | 2.45 |
| PGR Progressive Corp |
-5.24 2.24% |
228.68 | 11.10 | 13.55 | 1.41 | 3.74 | 1.50 |
| TKOMF Tokio Marine Holdings Inc. |
0.11 3.04% |
3.73 | 28.94 | 12.24 | 0.01 | 1.87 | 1.61 |
| TKOMY Tokio Marine Holdings Inc |
-0.02 0.54% |
3.67 | 28.73 | 12.25 | 0.01 | 1.87 | 1.61 |
Root, Inc. provides insurance products and services in the United States. The company offers automobile and renters insurance products primarily through websites, mobile applications, and partnership channels. Root, Inc. was incorporated in 2015 and is headquartered in Columbus, Ohio.
| Name | Title | Year Born |
|---|---|---|
| Mr. Alexander Edward Timm | Co-Founder, CEO & Director | 1989 |
| Mr. Daniel Craig Manges | Co-Founder & Advisor | 1985 |
| Mr. Daniel Harris Rosenthal | Chief Revenue & Operating Officer & Director | 1975 |
| Mr. Jonathan Alexander Allison | Chairman & Gen. Counsel | NA |
| Mr. Robert Harold Bateman Jr. | Chief Financial Officer | 1967 |
| Megan Binkley | Chief Accounting Officer | NA |
| Mr. Matt Bonakdarpour | Chief Technology Officer | 1987 |
| Ms. Christine Patrick | VP of Investor Relations | NA |
| Mr. Tom Kuhn | Director of External Communications | NA |
| Ms. Michele Streitmatter | Chief People & Organizational Effectiveness Officer | NA |
Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
This information does not consider your personal objectives, financial situation, or needs. Kalkine is not liable for any errors or omissions in the information provided or for any actions taken in reliance on it. You should seek advice from a financial adviser, stockbroker or other professional adviser (including taxation and legal advice) as necessary before acting on this information.
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