ROOT Financial Services

Root, Inc.

$53.87+4.14%

Price as of close on Nov 3, 2026 · Financials updated Sep 30, 2026

Basics

Sector: Financial Services
Industry: Insurance - Property & Casualty
Country: United States
Market cap: 834.6M USD
Full-time employees: 1,256

Overall health

Strength: more profitable than most peersmore profitable than peers
Drawback: growing more slowly than most peersgrowing more slowly than peers
Drawback: its shares are priced higher than most peers relative to what it earnspriced higher than peers for its earnings

Ranks #621 of 791 banks & insurance companies (bottom 22%)

Based on 3 categories: banks and insurers are not rated on risk.

Scored as a bank or insurer: cash-flow, EBITDA, gross margin and current ratio aren’t scored; they are under “Other data”.

See how it ranks against its peers

Worth knowing

More volatile share price. Beta 2.92: tends to move more than the market.
Root's shares have swung more with the market than most peers' (beta 2.92, above the market's 1.0).

StockQuotient Score

39/ 100▼ 1 since Oct 27 close

Oct 5 42 → Nov 4 39 (-3)

Valuation

Is the price right?

22/100

Weak▼ 3 since Oct 27 close

2/2 inputs reported · High confidence

Since last quarter: No major changeValuation also moves with the share price every day.

Why it changed since the Oct 27, 2026 close: Score 25 → 22

Share price +3.0%-2
Peer companies moved-1

Each step re-scores the company against its peers as they were on Oct 28, 2026; the parts add up to the change. Price effects on EBITDA yield are approximate.

Why

Weaker than most peers on:

▼ P/B
▼ Earnings yield

Compare with peers

Behind the score

Earnings yield (P/E) and book yield (P/B) versus other banks and insurers.

Book yield35.8%

SEC filings · latest balance sheetReported value40% base weight · Z-score -1.54Sector median: 0.7950 · MAD: 0.2843

Earnings yield6.6%

SEC filings · 12 months to Jun 2026Reported value60% base weight · Z-score -0.49Sector median: 0.0789 · MAD: 0.0253

Other data (not scored)

EBITDA yield16.7%

SEC filings · 12 months to Jun 2026Reported valueInformational · 0% composite weightSector median: 0.1095 · MAD: 0.0527

Free cash flow yield21.2%

SEC filings · 12 months to Jun 2026 · operating cash flow − capital spendingReported valueInformational · 0% composite weightSector median: 0.0796 · MAD: 0.0459

Growth

Is it growing?

7/100

Weak

1/1 inputs reported · High confidence

Since last quarter: No major change

Why

Weaker than most peers on:

▼ EPS growth

Compare with peers

Behind the score

Earnings-per-share growth versus other banks and insurers.

Earnings per share growth-28.3%

SEC filings · 12 months to Jun 2026Reported value100% base weight · Z-score -2.49Sector median: 0.1599 · MAD: 0.1775

Other data (not scored)

3-year revenue growth75.5%

SEC filings · 3 years to Jun 2026Outlier capped at sector 5th/95th percentileInformational · 0% composite weightSector median: 0.0826 · MAD: 0.0558

Revenue growth14.9%

SEC filings · 12 months to Jun 2026Reported valueInformational · 0% composite weightSector median: 0.0866 · MAD: 0.0782

Profitability

Does it earn well?

87/100

Strong

2/2 inputs reported · High confidence

Since last quarter: No major change

Why

Stronger than most peers on:

▲ ROA
▲ ROE

Compare with peers

Behind the score

Return on equity and return on assets versus other banks and insurers.

Return on assets3.6%

SEC filings · 12 months to Jun 2026Reported value50% base weight · Z-score 3.96Sector median: 0.0117 · MAD: 0.0062

Return on equity18.6%

SEC filings · 12 months to Jun 2026Reported value50% base weight · Z-score 2.02Sector median: 0.1074 · MAD: 0.0388

Other data (not scored)

Gross marginUnavailable

Missing · left out of the scoreInformational · 0% composite weightSector median: Unavailable · MAD: Unavailable

Operating margin5.5%

SEC filings · 12 months to Jun 2026Reported valueInformational · 0% composite weightSector median: 0.1450 · MAD: 0.1678

Return on invested capitalUnavailable

Missing · left out of the scoreInformational · 0% composite weightSector median: Unavailable · MAD: Unavailable

Risk

Debt, liquidity, price swings

Not rated

Not rated for banks and insurers: debt and share-price swings say little about their risk. We leave it blank rather than fill the gap with a made-up middle value.

Valuation, growth and profitability scores: higher is better. Risk: 0 is lower, 2 is higher. Risk is a relative proxy, not a bankruptcy probability. Scores depend on available sector peers.

Questions investors ask about Root

Is Root getting weaker?: Its latest SEC filing (Aug 5, 2026) showed no major changes. Its overall score is 39/100, down 1 since Oct 28, 2026.
How is Root valued vs its peers?: Priced higher than most peers relative to what it earns. Valuation scores 22/100 against 950 banks & insurance peers. Book yield 35.8% vs a peer median of 79.5% (weaker than 88% of peers).Book yield 35.8% vs peers 79.5% (weaker than 88% of peers).
Is Root growing?: More slowly than most of its peers. Growth scores 7/100 against 950 banks & insurance peers. Earnings per share growth -28.3% vs a peer median of 16.0% (weaker than 93% of peers).Earnings per share growth -28.3% vs peers 16.0% (weaker than 93% of peers).
How profitable is Root?: More profitable than most of its peers. Profitability scores 87/100 against 950 banks & insurance peers. Return on assets 3.6% vs a peer median of 1.2% (stronger than 87% of peers).Return on assets 3.6% vs peers 1.2% (stronger than 87% of peers).
How risky is Root?: Not rated for banks and insurers: debt and share-price swings say little about their risk.

Latest filing: what changed

Quarter ended Jun 30, 2026 · filed Aug 5, 2026 · compared with the quarter ended Mar 31, 2026

No major changes

	Previous quarter	Latest quarter	Change
Revenue (12 months)	1.6B USD	1.6B USD	+0.4%
Net income (12 months)	57.5M USD	60.9M USD	+5.9%
Operating margin	5.1%	5.5%	+0.4 pts
Debt	200.3M USD	197.8M USD	−1.2%
Cash	597.2M USD	509.6M USD	−14.7%

From the company’s own SEC filings, as filed. Twelve-month figures roll forward one quarter at a time.

Industry valuation context

Industry: Insurance - Property & Casualty · 31 companies

Valuations in Insurance - Property & Casualty are within their usual range since 2016.

48% of months since 2016 were valued lower than now.
32% of companies are in the most expensive fifth of their own price-to-book history.
Over 24 months, company values +14% and earnings +58% (medians): earnings grew faster than prices.
Median price-to-book is −38% vs the whole market, against a usual −47%.

2016Shaded: most expensive fifth of its range2026

Financials

Fiscal years from SEC annual filings · change vs the prior year

Key ratios	FY 2021	FY 2022	FY 2023	FY 2024	FY 2025	Change
Operating margin	-140.5%	-84.7%	-22.3%	6.7%	4.1%	▼ 2.6 pts
Net margin	-150.9%	-95.8%	-32.4%	2.6%	2.7%	▲ 0.0 pts
Return on assets (ROA)	-39.5%	-22.7%	-10.9%	2.1%	2.4%	▲ 0.3 pts
Return on equity (ROE)	-97.1%	-107.4%	-89.0%	15.2%	14.2%	▼ 1.0 pts
Debt to equity	0.00×	1.07×	1.80×	0.98×	0.70×	▼ 28%
Interest coverage	-24.26×	-7.60×	-2.20×	1.86×	2.94×	▲ 58%

ROOT price history

Price history is added with the daily price update and will appear after the next one.

Similar companies

Sector leaderboards

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PT Saratoga Investama Sedaya TbkSRTG.JK93/ 100

Bringing the fundamentals into focus…

Overall health

Strength: more profitable than most peersmore profitable than peers

Drawback: growing more slowly than most peersgrowing more slowly than peers

Drawback: its shares are priced higher than most peers relative to what it earnspriced higher than peers for its earnings

Ranks #621 of 791 banks & insurance companies (bottom 22%)

Based on 3 categories: banks and insurers are not rated on risk.

Scored as a bank or insurer: cash-flow, EBITDA, gross margin and current ratio aren’t scored; they are under “Other data”.

See how it ranks against its peers

Questions investors ask about Root

Is Root getting weaker?

Its latest SEC filing (Aug 5, 2026) showed no major changes. Its overall score is 39/100, down 1 since Oct 28, 2026.

How is Root valued vs its peers?

Priced higher than most peers relative to what it earns. Valuation scores 22/100 against 950 banks & insurance peers. Book yield 35.8% vs a peer median of 79.5% (weaker than 88% of peers).Book yield 35.8% vs peers 79.5% (weaker than 88% of peers).

Is Root growing?

More slowly than most of its peers. Growth scores 7/100 against 950 banks & insurance peers. Earnings per share growth -28.3% vs a peer median of 16.0% (weaker than 93% of peers).Earnings per share growth -28.3% vs peers 16.0% (weaker than 93% of peers).

How profitable is Root?

More profitable than most of its peers. Profitability scores 87/100 against 950 banks & insurance peers. Return on assets 3.6% vs a peer median of 1.2% (stronger than 87% of peers).Return on assets 3.6% vs peers 1.2% (stronger than 87% of peers).

How risky is Root?

Not rated for banks and insurers: debt and share-price swings say little about their risk.

Previous quarter

Latest quarter

Change

Revenue (12 months)

1.6B USD

1.6B USD

+0.4%

Net income (12 months)

57.5M USD

60.9M USD

+5.9%

Operating margin

5.1%

5.5%

+0.4 pts

Debt

200.3M USD

197.8M USD

−1.2%

Cash

597.2M USD

509.6M USD

−14.7%

Key ratios

FY 2021

FY 2022

FY 2023

FY 2024

FY 2025

Change

Operating margin

-140.5%

-84.7%

-22.3%

6.7%

4.1%

▼ 2.6 pts

Net margin

-150.9%

-95.8%

-32.4%

2.6%

2.7%

▲ 0.0 pts

Return on assets (ROA)

-39.5%

-22.7%

-10.9%

2.1%

2.4%

▲ 0.3 pts

Return on equity (ROE)

-97.1%

-107.4%

-89.0%

15.2%

14.2%

▼ 1.0 pts

Debt to equity

0.00×

1.07×

1.80×

0.98×

0.70×

▼ 28%

Interest coverage

-24.26×

-7.60×

-2.20×

1.86×

2.94×

▲ 58%