Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.
ROOT
HOLDRoot, Inc. · Financial Services · United States · $917M · Avg Vol: $14M/d
COMPANY DESCRIPTION
Root, Inc. is a technology-driven insurance company specializing in car and renters insurance, leveraging a mobile-first platform and telematics data for personalized pricing. The company differentiates itself through its innovative use of driving behavior data for risk assessment, aiming to provide fairer premiums. Root operates as an Insurtech pioneer, seeking to disrupt traditional insurance models by targeting tech-savvy consumers with a digital-first approach.
FINANCIAL SUMMARY (USD)
| Year | 2022 | 2023 | 2024 | 2025 | CAGR | TTM | 2026E | 2027E | Fwd CAGR |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 310.8M | 455.0M | 1.2B | 1.5B | 69.6% | 1.6B | 1.6B | 1.7B | 5.1% |
| EPS | -21.11 | -10.24 | 1.96 | 2.49 | 27.0% | 3.41 | 2.49 | 2.28 | -4.3% |
| Shares | 14.2M | 14.5M | 15.1M | 15.5M | +9.2% | 14.0M | — | — | — |
| Debt | 295.4M | 299.0M | 200.1M | 200.3M | -12.1% | 200.3M | — | — | — |
| Equity | 277.1M | 165.7M | 203.7M | 284.3M | 0.9% | — | — | — | — |
| Op CF | -210.6M | -33.6M | 195.7M | 206.5M | 5.5% | 189.0M | — | — | — |
| Inv CF | -16.6M | -45.7M | -154.4M | -91.7M | — | — | — | — | — |
| Fin CF | 283.3M | -4.1M | -120.7M | -25.2M | — | — | — | — | — |
SCORE BREAKDOWN
FUNDAMENTALS
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of ROOT are excluded.
| Ticker | Company | Mkt Cap | StockRank | Signal |
|---|---|---|---|---|
| ROOT | Root, Inc.(you) | $917M | 53 | HOLD |
| DGICB | Donegal Group Inc. | $773M | 55 | HOLD |
| HIPO | Hippo Holdings Inc. | $723M | 48 | HOLD |
| ACIC | American Coastal Insurance Corporation | $498M | 63 | HOLD |
| PRCH | Porch Group, Inc. | $1.3B | 37 | HOLD |
| NODK | NI Holdings, Inc. | $325M | 49 | HOLD |
| TRUP | Trupanion, Inc. | $1.0B | 31 | SELL |
| GBLI | Global Indemnity Group, LLC | $394M | 61 | HOLD |
| ASIC | Ategrity Specialty Insurance Company Holdings | $1.1B | 77 | BUY |
| BOW | Bowhead Specialty Holdings Inc. | $1.0B | 81 | STRONG BUY |
Peer medians: ROE 9.4% · P/E 13.9x · Gross margin 100.0%