Root Financials

ROOT Stock  USD 58.68  0.81  1.36%   
Based on the key indicators related to Root's liquidity, profitability, solvency, and operating efficiency, Root Inc is performing exceptionally good at the present time. It has a great chance to report excellent financial results in March. At this time, Root's Total Current Liabilities is comparatively stable compared to the past year. Total Stockholder Equity is likely to gain to about 273.2 M in 2026, whereas Other Current Liabilities is likely to drop (98.2 M) in 2026.
 
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Root Balance Sheet Chart

At this time, Root's Total Current Liabilities is comparatively stable compared to the past year. Total Stockholder Equity is likely to gain to about 273.2 M in 2026, whereas Other Current Liabilities is likely to drop (98.2 M) in 2026.
Key indicators impacting Root's financial strength include:
Current ValueLast YearChange From Last Year 10 Year Trend
Current Ratio3.864.35
Fairly Down
Slightly volatile
The essential information of the day-to-day investment outlook for Root includes many different criteria found on its balance sheet. An individual investor should research Root's cash flow, debt, and profitability to accurately make informed decisions on whether to invest in Root.

Net Income

37.31 Million

  
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Please note, the imprecision that can be found in Root's accounting process means that the reasonable investor should take a skeptical approach toward the financial statement analysis of Root Inc. Check Root's Beneish M Score to see the likelihood of Root's management manipulating its earnings.

Root Stock Summary

Root competes with Safety Insurance, Selective Insurance, Ategrity Specialty, ProAssurance, and Origin Bancorp. Root, Inc. provides insurance products and services in the United States. The company was incorporated in 2015 and is headquartered in Columbus, Ohio. Root operates under InsuranceProperty Casualty classification in the United States and is traded on NASDAQ Exchange. It employs 1571 people.
Specialization
Financial Services, Insurance - Property & Casualty
InstrumentUSA Stock View All
ExchangeNASDAQ Exchange
ISINUS77664L2079
Business Address80 E Rich
SectorInsurance
IndustryFinancials
BenchmarkDow Jones Industrial
Websitewww.joinroot.com
Phone866 980 9431
CurrencyUSD - US Dollar

Root Key Financial Ratios

Root Key Balance Sheet Accounts

202120222023202420252026 (projected)
Total Assets1.3B1.3B1.3B1.5B1.7B1.3B
Other Current Liab(130.7M)(119.8M)(120M)(103.9M)(93.5M)(98.2M)
Other Liab149.1M247.5M360.1M321.9M370.2M245.3M
Net Tangible Assets(380.6M)1.0B648.4M389.1M447.5M345.0M
Net Debt(706M)(466.7M)(379.7M)(399.2M)(359.3M)(377.2M)
Retained Earnings(1.3B)(1.6B)(1.7B)(1.7B)(1.5B)(1.6B)
Accounts Payable130.7M159.5M120M103.9M119.5M115.8M
Cash706M762.1M678.7M599.3M689.2M687.2M
Other Assets1.3B300.2M1.3B1.5B1.7B1.8B
Net Receivables303.1M260.7M372.4M455.9M524.3M290.1M
Inventory(1.2B)(879.6M)(1.2B)(926.7M)(834.0M)(875.7M)
Other Current Assets(1.1B)902.1M(1.2B)(1.4B)(1.2B)(1.2B)
Total Liab782.9M1.0B1.2B1.3B1.5B1.0B
Net Invested Capital536.4M572.5M456.8M403.8M464.4M454.0M
Total Current Assets1.1B874.4M678.7M230.4M207.4M197.0M
Short Term Debt4.3M3.2M3M2.2M2.0M1.9M
Intangible Assets12.5M26.5M19.2M22M25.3M16.8M

Root Key Income Statement Accounts

The reason investors look at the income statement is to determine what Root's earnings per share (EPS) will be for research and analysis purposes. For example, if a company earned $20 million in the last quarter and has 100,000 shares outstanding, its EPS is 20 cents. If you find that this number beats analysts' forecasts or is higher than it was from the same period last year, this information can be used for research and educational purposes even though its price per share may not have changed.
202120222023202420252026 (projected)
Net Interest Income(20M)(34.6M)(46.1M)(42.2M)(38.0M)(39.9M)
Interest Income3.5M8.1M32.8M41.5M47.7M50.1M
Interest Expense20M34.6M46.1M42.2M48.5M38.3M
Total Revenue345.4M310.8M455M1.2B1.4B1.4B
Gross Profit(51.9M)(32.2M)76.1M337.1M387.7M407.0M
Operating Income(521.1M)(297.7M)(147.4M)30.9M35.5M37.3M
Ebit(501.1M)(263.1M)(101.3M)73.1M84.1M88.3M
Ebitda(484.5M)(249.3M)(88.7M)88M101.2M106.3M
Cost Of Revenue397.3M343M378.9M839.4M965.3M1.0B
Income Before Tax(521.1M)(297.7M)(147.4M)30.9M35.5M37.3M
Net Income(521.1M)(297.7M)(147.4M)30.9M35.5M37.3M
Income Tax Expense16.4M(303.9M)(155.2M)30.9M35.5M37.3M
Research Development65.5M55.5M44.8M53.3M48.0M43.5M

Root Key Cash Accounts

202120222023202420252026 (projected)
Investments88.1M(6.5M)(57.1M)(154.4M)(139.0M)(132.0M)
Change In Cash(406.8M)56.1M(83.4M)(79.4M)(71.5M)(67.9M)
Net Borrowings199.5M286M0.0(102.7M)(92.4M)(87.8M)
Free Cash Flow(414.6M)(220.7M)(43M)183.9M211.5M222.1M
Depreciation16.6M13.8M12.6M14.9M17.1M12.4M
Other Non Cash Items15.9M16M13.8M39M35.1M25.9M
Capital Expenditures11.2M10.1M9.4M11.8M13.6M11.7M
Net Income(521.1M)(297.7M)(147.4M)30.9M35.5M37.3M
End Period Cash Flow707M763.1M679.7M600.3M690.3M691.9M
Change To Netincome31M115.9M52.2M44.5M51.2M53.7M

Root Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining Root's current stock value. Our valuation model uses many indicators to compare Root value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across Root competition to find correlations between indicators driving Root's intrinsic value. More Info.
Root Inc is rated second in return on equity category among its peers. It is rated fifth in return on asset category among its peers reporting about  0.20  of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for Root Inc is roughly  5.05 . At this time, Root's Return On Equity is comparatively stable compared to the past year. Comparative valuation analysis is a catch-all technique that is used if you cannot value Root by discounting back its dividends or cash flows. It compares the stock's price multiples to nearest competition to determine if the stock is relatively undervalued or overvalued.
Most indicators from Root's fundamental ratios are interrelated and interconnected. However, analyzing fundamental ratios indicators one by one will only give a small insight into Root Inc current financial condition. On the other hand, looking into the entire matrix of fundamental ratios indicators, and analyzing their relationships over time can provide a more complete picture of the company financial strength now and in the future. Check out Your Equity Center to better understand how to build diversified portfolios, which includes a position in Root Inc. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in employment.
At this time, Root's Enterprise Value Over EBITDA is comparatively stable compared to the past year. Enterprise Value Multiple is likely to gain to 7.33 in 2026, whereas Selling General Administrative is likely to drop slightly above 79.9 M in 2026.
 2023 2024 2025 2026 (projected)
Depreciation And Amortization12.6M14.9M17.1M12.4M
Interest Income32.8M41.5M47.7M50.1M

Root fundamental ratios Correlations

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Click cells to compare fundamentals

Root Account Relationship Matchups

Root fundamental ratios Accounts

202120222023202420252026 (projected)
Total Assets1.3B1.3B1.3B1.5B1.7B1.3B
Other Current Liab(130.7M)(119.8M)(120M)(103.9M)(93.5M)(98.2M)
Other Liab149.1M247.5M360.1M321.9M370.2M245.3M
Net Tangible Assets(380.6M)1.0B648.4M389.1M447.5M345.0M
Net Debt(706M)(466.7M)(379.7M)(399.2M)(359.3M)(377.2M)
Retained Earnings(1.3B)(1.6B)(1.7B)(1.7B)(1.5B)(1.6B)
Accounts Payable130.7M159.5M120M103.9M119.5M115.8M
Cash706M762.1M678.7M599.3M689.2M687.2M
Other Assets1.3B300.2M1.3B1.5B1.7B1.8B
Net Receivables303.1M260.7M372.4M455.9M524.3M290.1M
Inventory(1.2B)(879.6M)(1.2B)(926.7M)(834.0M)(875.7M)
Other Current Assets(1.1B)902.1M(1.2B)(1.4B)(1.2B)(1.2B)
Total Liab782.9M1.0B1.2B1.3B1.5B1.0B
Net Invested Capital536.4M572.5M456.8M403.8M464.4M454.0M
Total Current Assets1.1B874.4M678.7M230.4M207.4M197.0M
Short Term Debt4.3M3.2M3M2.2M2.0M1.9M
Intangible Assets12.5M26.5M19.2M22M25.3M16.8M
Today, most investors in Root Stock are looking for potential investment opportunities by analyzing not only static indicators but also various Root's growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of Root growth as a starting point in their analysis.

Price Earnings To Growth Ratio

(0.32)

At this time, Root's Price Earnings To Growth Ratio is comparatively stable compared to the past year.

Root February 14, 2026 Opportunity Range

Along with financial statement analysis, the daily predictive indicators of Root help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of Root Inc. We use our internally-developed statistical techniques to arrive at the intrinsic value of Root Inc based on widely used predictive technical indicators. In general, we focus on analyzing Root Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build Root's daily price indicators and compare them against related drivers.

Additional Tools for Root Stock Analysis

When running Root's price analysis, check to measure Root's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Root is operating at the current time. Most of Root's value examination focuses on studying past and present price action to predict the probability of Root's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Root's price. Additionally, you may evaluate how the addition of Root to your portfolios can decrease your overall portfolio volatility.