Root, Inc. (ROOT) Stock Analysis
Financial Services · Insurance - Property & Casualty · NasdaqGS
Root, Inc. (ROOT) posted $1.52B in revenue for fiscal 2025 (up 29.0% year over year), at a 2.7% net margin, and has compounded revenue about 34.3%/yr over five years, per its SEC filings.
Data last refreshed September 3, 2026 from SEC filings · how we compute this
The analyst's take on Root, Inc.
Root, Inc. has grown revenue from $43.30M to $1.52B over the last 8 fiscal years, compounding about 34.3% a year. The most recent year was up 29%, so growth has cooled from its longer-run pace.
Net margin sits at 2.7%. It carries about $200.30M of total debt.
At today's valuation the market is pricing in roughly -13.5% annual free-cash-flow growth. It clears 3 of 7 deterministic health checks. The one thing worth a second look in the filings is share count rising (dilution).
Synthesised from Root, Inc.'s SEC filings — descriptive, not advice. Ask the analyst your own question →
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Root, Inc. revenue & earnings — last 8 fiscal years
| Metric | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $43.30M | $290.20M | $346.80M | $345.40M | $310.80M | $455.00M | $1.18B | $1.52B |
| Gross profit | — | — | — | — | — | — | — | — |
| Net income | $-69.10M | $-282.40M | $-363.00M | $-521.10M | $-297.70M | $-147.40M | $30.90M | $40.30M |
| Net margin | -159.6% | -97.3% | -104.7% | -150.9% | -95.8% | -32.4% | 2.6% | 2.7% |
Source: Root, Inc. SEC filings (10-K).
Root, Inc. financial health: 3 of 7 checks passed
- ✓Revenue CAGR over 7 yrs (66.2%/yr)
- ✗Profitable every year (last 5)
- ✗Net margin above 10% (2.7%)
- ✓More cash than total debt (cash 1056.3M vs debt 200.3M)
- ✗Positive operating cash flow (last 5 yrs)
- ✓Free cash flow positive (latest yr) (192.4M)
- ✗Share count falling over 3 yrs (buybacks) (14.2M → 15.5M shares)
Checks computed deterministically from filed annual statements — no AI judgement.
Root, Inc.: 1 potential red flag in the filings
Patterns in the filed statements worth a second look — computed and cited, not AI guesswork, and not a signal to sell. The kind of thing that hides in a 10-K.
- Share count rising (dilution)Shares outstanding grew 9.2% over 3 years (14.2M → 15.5M) — existing holders' stakes are being diluted.
What growth is priced into ROOT stock?
At today's market cap of $879.70M, Root, Inc. is priced for free-cash-flow growth of about -13.5% per year for 10 years (assuming a 10% discount rate and 2.5% terminal growth, base FCF $192.40M from the FY ending 2025-12-31). For comparison, revenue 34.3%/yr, computed from its SEC filings. This is a reverse DCF — a translation of the price into a growth assumption you can judge, not a fair value and not advice. Change the assumptions yourself in the interactive view →
Explore 8 years of Root, Inc. financials — interactive
Full income statement, balance sheet and cash flow with CAGR and trend on every row, 48 quarters, valuation ratios, plain-English health checks, and Ask — our SEC-grounded research assistant.
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Root, Inc. financial history
About Root, Inc.
Root, Inc. provides insurance products and services in the United States. The company offers automobile and renters insurance products primarily through websites, mobile applications, and partnership channels. Root, Inc. was incorporated in 2015 and is headquartered in Columbus, Ohio.
Root, Inc. — frequently asked questions
What is Root, Inc.'s revenue?
Root, Inc. (ROOT) reported revenue of $1.52B for fiscal year 2025, up 29.0% from the prior year, according to its SEC filings.
Is Root, Inc. profitable?
Yes. ROOT earned net income of $40.30M in fiscal 2025, a net margin of 2.7%.
What is ROOT's P/E ratio?
Root, Inc. trades at a price-to-earnings ratio of about 16.4 based on the latest data in our nightly-refreshed cache.
How fast is Root, Inc. growing?
ROOT's revenue grew at roughly 34.3% per year over the last five fiscal years (compound annual growth rate), computed from SEC-filed statements.
How much debt does Root, Inc. have?
As of fiscal year 2025, ROOT carried roughly $200.30M in total debt (short- plus long-term borrowings), per its filed balance sheet.
What is Root, Inc.'s market cap?
Root, Inc. (ROOT) has a market capitalization of about $879.70M, based on the latest data in our nightly-refreshed cache.
When does Root, Inc.'s fiscal year end?
ROOT's fiscal year ends in December. Its most recent annual filing covers the fiscal year ending 2025-12-31.
What growth is priced into ROOT stock?
At today's market cap of $879.70M, Root, Inc. is priced for free-cash-flow growth of about -13.5% per year for 10 years (assuming a 10% discount rate and 2.5% terminal growth, base FCF $192.40M from the FY ending 2025-12-31). For comparison, revenue 34.3%/yr, computed from its SEC filings.
Where does this data come from?
All figures are computed from Root, Inc.'s official SEC filings (10-K and 10-Q), covering 8 years of history, refreshed nightly. stockportfolio.pro does not provide investment advice.