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    R

    Root Inc (ROOT)

    Official site

    FINANCIAL SERVICES • INSURANCE - PROPERTY & CASUALTY • NASDAQ

    $48.75
    +0.41 (+0.85%)

    Market Cap: $761.03M

    Last updated: Oct 16, 2026 at 1:55 PM ET

    Earnings

    Performance (10Y)

    Beat Rate
    83%(20/24)
    Avg Surprise
    +218.83%
    Streak
    11 Q

    Upcoming Estimates

    Period ending Sep 30, 2026
    EPS Consensus$0.45
    Range$0.45 - $0.45
    1 analysts
    EPS RevisionsNo revisions (7d)
    0
    1
    30d
    EPS Estimate DriftChange to current
    90d ago$0.48-6.2%
    60d ago$0.39+16.9%
    30d ago$0.39+16.9%
    7d ago$0.41+9.8%
    Current$0.45
    Revenue Consensus
    $387M
    Range$378M - $391M
    5 analysts
    Period ending Dec 31, 2026
    EPS Consensus$2.91
    Range$2.91 - $2.91
    1 analysts
    Revenue Consensus
    $376M
    Range$349M - $384M
    5 analysts
    PeriodReportedEst.SurpriseB/MYoY
    Dec 26EST
    		-$2.91---
    Sep 26EST
    		-$0.45---
    Jun 26
    Reported Aug 5
    		$1.42$0.72+97.22%Beat+15.4%
    Mar 26
    Reported May 6
    		$2.10$0.66+218.18%Beat+96.3%
    Dec 25
    Reported Feb 25
    		$0.39$-0.08+583.42%Beat-68.1%
    Sep 25
    Reported Nov 5
    		$-0.35$-0.43+18.60%Beat-128.0%
    Jun 25
    Reported Aug 6
    		$1.23$0.22+459.09%Beat+346.0%
    Mar 25
    Reported May 7
    		$1.07$0.03+3466.67%Beat+361.0%
    Dec 24
    Reported Feb 26
    		$1.24$-0.38+425.08%Beat+175.3%
    Sep 24
    Reported Oct 30
    		$1.25$-1.08+215.74%Beat+139.6%
    Jun 24
    Reported Aug 7
    		$-0.50N/A+70.06%Beat+79.1%
    Mar 24
    Reported Apr 30
    		$-0.41N/A+82.10%Beat+81.1%
    Dec 23
    Reported Feb 21
    		$-1.64$-2.79+41.22%Beat+60.3%
    Sep 23
    Reported Nov 1
    		$-3.16$-2.72-16.18%Miss+30.4%
    Jun 23
    Reported Aug 2
    		$-2.39$-3.21+25.55%Beat+63.1%
    Mar 23
    Reported May 3
    		$-2.17$-3.59+39.55%Beat+59.8%
    Dec 22
    Reported Feb 22
    		$-4.13$-4.54+9.03%Beat+39.6%
    Sep 22
    Reported Nov 9
    		$-4.54$-6.02+24.58%Beat+52.4%
    Jun 22
    Reported Aug 8
    		$-6.48$-7.69+15.73%Beat+50.0%
    Mar 22
    Reported Apr 27
    		$-5.40$-7.61+29.04%Beat+25.0%
    Dec 21
    Reported Feb 23
    		$-6.84$-8.72+21.56%Beat+47.2%
    Sep 21
    Reported Nov 10
    		$-9.54$-11.80+19.15%Beat+75.9%
    Jun 21
    Reported Aug 11
    		$-12.96$-8.98-44.32%Miss-6721.1%
    Mar 21
    Reported May 5
    		$-7.20$-8.22+12.41%Beat-
    Dec 20
    Reported Feb 25
    		$-12.96$-12.77-1.49%Miss-
    Sep 20
    Reported Oct 29
    		$-39.60$-6.00-560.00%Miss-
    Jun 20
    Reported Sep 2
    		$-0.19$0.00N/AMiss-

    Key Metrics

    Valuation
    P/E Ratio13.68EV/EBITDA4.54x
    Price/FCF4.27xFCF Yield23.41%
    Profitability
    Profit Margin3.71%Operating Margin8.89%
    ROE15.40%ROIC16.18%
    Financial Health
    Debt/Equity0.60xInterest Coverage3.57x
    Current Ratio22.57xQuick Ratio22.57x
    Trading Statistics
    Beta2.91Avg Volume206.04K
    52-Week High$91.0052-Week Low$40.91

    Technical Indicators Dashboard

    Moving Averages

    SMA 10$47.57
    SMA 20$48.09
    SMA 50$51.83
    SMA 200$55.67
    EMA 10$48.15
    EMA 20$48.82
    EMA 50$51.27
    EMA 200$60.36

    MACD

    Line: -1.20Signal: -1.65Hist: 0.45

    ADX

    ADX: 27.2+DI: 17.6-DI: 20.4

    Aroon & PSAR

    Aroon UpN/A
    Aroon Down68.0
    PSAR$45.86

    Bollinger Bands

    Upper Band$51.49
    Lower Band$44.69
    %B Position1413%(Upper)
    Band Width0.60

    RSI (14-Day)

    Neutral
    46.5

    Momentum Oscillators

    Stoch %K74.1
    Stoch %D68.8
    Williams %R-23.7
    ROC (10d)5.9%
    Momentum2.73
    CCI (20d)30.4
    MFI (14d)57.4

    Volatility Measures

    ATR (14d)$1.80(3.7%)
    StdDev (20d)1.70
    Hist Vol28.1%(Moderate)

    Volume Flow

    VWAP$48.76
    OBV-4.7M
    AD Line-5.6M
    CMF (20d)0.028

    Volume Metrics

    Avg Vol (20d)210.4K
    Vol Ratio0.9x
    VWMA (20d)$48.17

    Pivot Points

    R3$51.33
    R2$50.61
    R1$49.48
    Pivot Point$48.76
    S1$47.63
    S2$46.91
    S3$45.78

    Advanced Oscillators

    TSI-18.09
    Ultimate Osc53.3
    KST-103.72

    Financial Data

    QuarterJun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024Sep 2024Jun 2024Mar 2024Dec 2023Sep 2023
    Total Revenue$389.20M$393.50M$397.00M$387.80M$382.90M$349.40M$326.70M$305.70M$289.20M$254.90M$194.80M$115.30M
    Cost of Revenue$239.90M$226.20M$245.90M$239.40M$233.30M$205.60M$191.80M$184.50M$190.30M$166.40M$122.70M$85.80M
    Gross Profit$149.30M$167.30M$151.10M$148.40M$149.60M$143.80M$134.90M$121.20M$98.90M$88.50M$72.10M$29.50M
    Operating Expenses$114.70M$126.40M$140.60M$148.10M$122.30M$120.10M$100.00M$86.80M$95.10M$83.10M$84.40M$63.50M
    R&D$15.50M$15.20M$13.30M$14.70M$13.70M$11.40M$14.70M$12.90M$14.70M$11.00M$12.40M$11.10M
    SG&A$15.50M$24.50M$27.00M$25.80M$23.60M$20.50M$16.80M$17.50M$18.10M$17.10M$20.10M$21.00M
    Operating Income$34.60M$40.90M$10.50M$300,000$27.30M$23.70M$34.90M$34.40M$3.80M$5.40M$-12,300,000$-34,000,000
    Interest Income$0$0$0$0$0$0$0$0$0$0$0$0
    Interest Expense$9.00M$4.80M$5.10M$5.30M$5.30M$5.30M$12.80M$11.60M$11.60M$11.60M$11.70M$11.80M
    Income Before Tax$25.60M$36.10M$5.40M$-5,000,000$22.00M$18.40M$22.10M$22.80M$-7,800,000$-6,200,000$-24,000,000$-45,800,000
    Income Tax Expense$200,000$200,000$100,000$400,000$0$0$0$0$0$0$0$0
    Net Income$25.40M$35.90M$5.30M$-5,400,000$22.00M$18.40M$22.10M$22.80M$-7,800,000$-6,200,000$-24,000,000$-45,800,000
    EBITDA$37.30M$44.00M$13.60M$5.00M$29.30M$25.70M$37.70M$39.60M$7.80M$8.30M$-7,900,000$-31,300,000
    EBIT$34.60M$40.90M$10.50M$300,000$27.30M$23.70M$34.90M$34.40M$3.80M$5.40M$-12,300,000$-34,000,000
    * Some calculated fields are derived from available data when not provided by source

    Related GNG Research

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    News

    Root (ROOT) CAO reports 294-share tax withholding

    Root, Inc.'s Chief Accounting Officer, Ryan Forish, had 294 shares of Class A common stock withheld on September 21, 2026...

    Stock Titan•9/23/26•Neutral

    Root, Inc. (ROOT) Stock Price, News, Quote & History

    This Yahoo Finance page provides detailed financial information for Root, Inc. (ROOT), including its current stock price, historical data, performance overview compared to the S&P 500...

    Yahoo! Finance Canada•9/23/26•Neutral

    Root (NASDAQ: ROOT) Issues New Warrant Covering 8.5% of Class A Shares, Replacing Carvana’s Long-Term Warrants

    Root (NASDAQ: ROOT) has issued a new warrant covering up to 1,525,560 Class A common shares, effectively replacing Carvana's long-term warrants. This new warrant represents approximately 8.5% of Root's fully diluted...

    Kalkine Media•9/2/26•Neutral

    Root Insurance and Carvana Extend Embedded Insurance Agreement

    Root Insurance (NASDAQ: ROOT) and Carvana (NYSE: CVNA) have extended their exclusive embedded insurance partnership, which launched in 2022. The collaboration, named Carvana Insurance Built with Root...

    Yahoo Finance UK•9/2/26•Bullish

    Root Insurance and Carvana Extend Embedded Insurance Agreement

    Root Insurance and Carvana have extended their exclusive embedded insurance partnership until at least August 2028. The collaboration, which launched in 2022...

    The Manila Times•9/1/26•Bullish

    ROOT Valuation and Fair Value

    P/E
    13.7x
    Forward P/E
    3.5x
    EV/EBITDA
    4.5x
    P/FCF
    4.3x
    P/B
    2.3x
    See GNG's fair value

    ROOT Profitability: Margins, ROIC and FCF

    Gross margin
    39.3%
    Operating margin
    8.9%
    Net margin
    3.7%
    ROIC
    16.2%
    ROE
    15.4%
    FCF margin
    11.4%
    FCF yield
    23.4%

    ROOT Competitors

    CompanyTicker
    Financial Institutions IncFISI
    Brighthouse Financial, Inc.BHFAO
    Southern Missouri Bancorp IncSMBC
    Peapack-Gladstone FinancialPGC
    B. Riley Financial, Inc. 6.50% Senior Notes Due 2026RILYN
    Fidus Investment CorpFDUS
    GCM Grosvenor IncGCMG
    HomeTrust Bancshares, Inc.HTB

    Sector: Financial Services

    ROOT Analyst Ratings

    Consensus
    Hold
    Analysts
    6
    Strong Buy
    1
    Buy
    0
    Hold
    5
    Sell
    0
    Strong Sell
    0

    ROOT Bull Case vs Bear Case

    Bull case

    • ROOT earns a 16.2% return on invested capital.
    • ROOT beat EPS estimates in 100.0% of its last 8 reported quarters.

    ROOT Earnings: Beat Rate and Next Report

    Beat rate
    8 of 8 quarters (100.0%)
    Average surprise
    685.5%
    EPS estimate (fiscal period ending Sep 30, 2026)
    $0.45
    Estimate revisions (30 days, fiscal period ending Sep 30, 2026)
    0 up, 1 down

    Frequently Asked Questions About ROOT

    Does ROOT pay dividends?

    Root Inc (ROOT) does not currently pay a regular dividend.

    What is ROOT's P/E ratio?

    Root Inc has a price-to-earnings (P/E) ratio of 13.68.

    What is ROOT's market cap?

    Root Inc (ROOT) has a market capitalization of $761.03M with a current stock price of $48.75.

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