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Root, Inc. is an AI-powered auto insurance company that uses telematics and machine learning to underwrite and price policies.
Snapshot
| Country |
USA
|
| Exchange | Nasdaq |
| AI Layer |
app
|
| Sentiment |
52.0% |
| USD Mkt Cap | 828.66M |
| USD Revenue | 1.57B |
| USD Net Income | 58.20M |
| P/E | 14.77 |
| fwd P/E | 18.97 |
| Price 3M | -3.1% |
| Price 6M | +21.6% |
| Price 1Y | -46.3% |
| Price 2Y | +31.9% |
| USD Share Price | 53.22 |
Price & Size
| Price |
53.48 USD |
| Market Cap |
828.66M USD |
| Shares Outstanding |
13.69M |
| Shares Float |
12.30M |
| 52w Low |
40.91 USD |
| 52w High |
104.47 USD |
| Avg Volume |
249,954 |
Valuation
| P/E (trailing) |
14.8x |
| P/E (forward) |
19.0x |
| P/B |
2.53x |
| Enterprise Value |
618.06M USD |
| Book Value / Share |
21.16 USD |
| P/S |
0.53x |
| EV / Revenue |
0.39x |
| EV / EBITDA |
6.76x |
Income
| Revenue |
1.57B USD |
| Revenue / Share |
100.80 USD |
| EBITDA |
91.40M USD |
| Net Income |
58.20M USD |
| EPS (trailing) |
3.62 USD |
| EPS (forward) |
2.82 USD |
Margins & Profitability
| Gross Margin |
39.3% |
| Operating Margin |
8.9% |
| Profit Margin |
3.7% |
| EBITDA Margin |
5.8% |
| Return on Equity |
15.4% |
| Return on Assets |
3.3% |
Growth
| Revenue Growth |
1.6% |
| Earnings Growth |
15.5% |
Cash & Debt
| Total Cash |
520.40M USD |
| Total Debt |
197.80M USD |
| Free Cash Flow |
125.08M USD |
| Operating Cash Flow |
194.50M USD |
| Debt / Equity |
0.45x |
| Current Ratio |
1.98x |
| Quick Ratio |
1.64x |
Analyst Consensus
| Target (Mean) |
60.20 USD |
| Target (Median) |
58.00 USD |
| Target (High) |
80.00 USD |
| Target (Low) |
50.00 USD |
| Recommendation |
none |
| # Analysts |
5 |
Sentiment 52.0%
as of Sep 12, 2026
Positive drivers
Root's continued integration of AI-driven telematics for personalized insurance pricing received positive analyst coverage, highlighting potential margin improvements. Strategic partnerships with auto manufacturers for data sharing were announced, boosting forward-looking revenue estimates. Retail investor interest in AI-themed stocks provided a tailwind to trading volume.
Neutral / mixed
Quarterly results aligned closely with consensus forecasts, showing steady policy growth without major surprises. Broader market rotation into tech names had limited net impact on ROOT's price action. Regulatory updates on usage-based insurance remained incremental rather than transformative.
Negative drivers
Elevated loss ratios from weather-related claims weighed on near-term profitability perceptions. Increased competition from larger insurers expanding AI capabilities pressured market share expectations. Macroeconomic uncertainty around interest rates contributed to sector-wide volatility.
Bottom line
Overall sentiment for ROOT remains near neutral with a slight positive tilt from AI initiatives, offset by competitive pressures and claim volatility.