Root, Inc. (ROOT) Stock Analysis

Company Overview

Root, Inc. (ROOT) is capitalised at $876.76M on the latest close. The company sits in the Financial Services sector, in the Insurance - Property & Casualty industry. The company reports 1,256 employees.

The 52-week range on file runs from $40.91 to $104.47. The most recent close on file for ROOT is $56.59, dated September 4, 2026. That is +$1.20 (+2.17%) against the previous close. The latest close sits 38.33% above that 52-week low.

Financial Health

The most recent full year on file, fiscal 2025, shows revenue of $1.52B. That is +28.95% against the prior fiscal year, when revenue was $1.18B. Net income for the same year was $40.30M. That is +30.42% against the prior fiscal year. Profit margin runs at 3.71%. That is 8 percentage points below the Insurance - Property & Casualty median of 11.67%. Trailing earnings per share are 3.58.

Across the 4 fiscal years on file, revenue moves from $310.80M in 2022 to $1.52B in 2025. Of those 4 years, 2 report positive net income.

Valuation Assessment

On trailing earnings, the shares are priced at 15.81 times earnings. That is 40.16% above the Insurance - Property & Casualty median of 11.28. The forward P/E on file is 20.07. Measured against sales, the shares trade at 0.56 times revenue. On price-to-sales that is 56.63% below the Insurance - Property & Casualty median of 1.29. 50 Insurance - Property & Casualty companies report these metrics, and the medians quoted come from that group.

The trailing one-year price return is −39.75%. Across 5 years the annualized return works out at −12.15%. Beta against the wider market is reported at 2.92. Annualized volatility over the trailing 5 years is 101.78%.

Growth & Income

The record shows no dividend for ROOT.

So far in 2026 the price is −21.65%. Across the complete calendar years on file, 2024 returned +592.65% and 2022 returned −91.95%. Of the 5 complete calendar years on file, 2 finished higher.