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About the company
Root, Inc. is a technology insurance company. It provides direct-to-consumer insurance products to customers. It offers auto and renters insurance products underwritten by Root Insurance Company and Root Property & Casualty. It primarily reaches customers through two channels: direct and partnership. The direct channel drives volume for high-intent customers, meeting customers on platforms that they use, such as search engines or select marketplace platforms, while actively shopping for insurance. The partnership channel provides differentiated access to high-intent customers, primarily in the automotive, financial services, and independent agent sectors. It provides automobile and renters insurance products primarily through its websites, mobile app, and partnership channel, including its embedded insurance product and its independent agent platform. It utilizes its platform to gather customer data in order to determine whether or not to write and how to price its insurance products.
- Revenue in USD (TTM)1.45bn
- Net income in USD53.90m
- Incorporated2019
- Employees1.02k
- LocationRoot Inc80 E Rich St Ste 500COLUMBUS 43215United StatesUSA
- Phone+1 (614) 591-4568
- Fax+1 (302) 504-6004
- Websitehttps://joinroot.com/
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Peer analysis
Key Information
- Key Information
- Stock Performance
- Per Share Data
- Efficiency
- Management Effectiveness
- Profitability
- Financial Strength
- Growth Rates
| Company | Revenue (TTM) | Net income (TTM) | Market cap | Employees | Price/earnings (TTM) | Price/book value (MRQ) | Price/cash flow (TTM) | Price/sales (TTM) | EPS (excl. extraordinary items, TTM) | EPS (incl. extraordinary items, TTM) | Revenue per share (TTM) | Book value per share (MRQ) | Asset turnover (TTM) | Inventory turnover (TTM) | Receivables turnover (TTM) | Revenues per employee (TTM) | Return on avg assets (TTM) | Return on avg assets (5 yr avg) | Return on investment (TTM) | Return on investment (5 yr avg) | Gross margin (TTM) | Gross margin (5 yr avg) | Net profit margin (TTM) | Net Profit margin (5 yr avg) | Quick ratio (MRQ) | Interest coverage (TTM) | Total debt to capital (MRQ) | Payout ratio (5 yr avg) | Revenue (YOY change %) | Revenue (5 yr growth rate) | Net income (YOY change %) | Net income (5 yr growth rate) | Capital expenditure (5 yr growth rate) | Dividend (5 yr growth rate) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Investors Title Co | 273.87m | 36.03m | 522.03m | 521.00 | 14.55 | 1.88 | 12.91 | 1.91 | 19.00 | 19.00 | 144.44 | 147.25 | 0.7657 | -- | -- | 525,652.60 | 10.07 | 11.56 | -- | -- | -- | -- | 13.15 | 13.72 | -- | -- | 0.0015 | 65.19 | 14.86 | 8.33 | 43.29 | -0.246 | 37.95 | 2.83 |
| American Coastal Insurance Corp | 328.33m | 86.10m | 548.61m | 65.00 | 6.50 | 1.68 | 5.87 | 1.67 | 1.73 | 1.71 | 6.61 | 6.71 | 0.2827 | -- | -- | 5,051,246.00 | 7.41 | 0.3344 | -- | -- | -- | -- | 26.22 | 2.03 | -- | 20.63 | 0.3133 | 121.86 | 12.20 | -18.50 | -10.43 | -- | -74.86 | -- |
| Donegal Group Inc | 988.19m | 86.15m | 688.84m | 833.00 | 8.02 | 1.12 | 7.67 | 0.6971 | 2.39 | 2.39 | 27.31 | 17.14 | 0.4145 | -- | -- | 1,186,308.00 | 3.61 | 1.19 | -- | -- | -- | -- | 8.72 | 3.01 | -- | 205.86 | 0.0528 | 78.49 | 6.71 | 4.03 | 1,049.30 | 1.53 | -- | 3.09 |
| Hippo Holdings Inc | 450.10m | 95.90m | 732.69m | 478.00 | 7.84 | 1.74 | 5.87 | 1.63 | 3.69 | 3.69 | 17.67 | 16.64 | 0.2633 | -- | -- | 941,631.80 | 6.05 | -17.15 | -- | -- | -- | -- | 22.99 | -133.53 | -- | 20.43 | 0.102 | -- | 77.44 | 60.72 | 85.17 | -- | 3.10 | -- |
| Amerisafe Inc | 305.98m | 49.92m | 751.87m | 362.00 | 15.22 | 2.75 | 14.81 | 2.46 | 2.61 | 2.61 | 16.00 | 14.47 | 0.2529 | -- | -- | 845,245.90 | 4.13 | 4.86 | -- | -- | -- | -- | 16.31 | 21.04 | -- | -- | 0.00 | 143.77 | -1.99 | -3.91 | -10.74 | -9.77 | -3.77 | 8.16 |
| Heritage Insurance Holdings Inc | 842.28m | 149.21m | 823.17m | 566.00 | 5.52 | 1.88 | 5.03 | 0.9773 | 4.82 | 4.82 | 27.26 | 14.15 | 0.3553 | -- | -- | -- | 6.29 | -1.05 | -- | -- | -- | -- | 17.72 | -3.28 | -- | 23.95 | 0.1793 | -- | 11.08 | 9.83 | 35.83 | 16.53 | 10.55 | -- |
| Bowhead Specialty Holdings Inc | 519.24m | 52.55m | 825.48m | 249.00 | 16.18 | 1.92 | 15.04 | 1.59 | 1.56 | 1.56 | 15.38 | 13.15 | 0.2851 | -- | -- | 2,085,305.00 | 2.89 | -- | -- | -- | -- | -- | 10.12 | -- | -- | 27.54 | 0.00 | -- | 50.20 | -- | 52.68 | -- | -- | -- |
| Universal Insurance Holdings Inc | 1.58bn | 122.37m | 887.47m | 1.07k | 7.47 | 1.79 | 7.24 | 0.5614 | 4.24 | 4.24 | 54.60 | 17.65 | 0.5508 | -- | -- | 1,480,148.00 | 4.26 | 1.27 | -- | -- | -- | -- | 7.74 | 2.26 | -- | 64.92 | 0.1781 | 83.36 | 9.27 | 10.11 | -11.82 | 4.85 | -3.64 | 0.00 |
| Ategrity Specialty Insurance Cmpny Hldgs | -100.00bn | -100.00bn | 891.64m | 169.00 | -- | 1.51 | -- | -- | -- | -- | -- | 12.24 | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | 0.00 | -- | 39.07 | -- | 368.65 | -- | -- | -- |
| Root Inc | 1.45bn | 53.90m | 894.56m | 1.02k | 18.58 | 3.37 | 12.89 | 0.6183 | 3.10 | 3.10 | 86.51 | 24.32 | 0.903 | -- | -- | 1,417,042.00 | 3.61 | -18.94 | -- | -- | -- | -- | 4.00 | -49.28 | -- | 3.71 | 0.343 | -- | 158.57 | 32.31 | 119.81 | -- | -0.5009 | -- |
| United Fire Group Inc | 1.35bn | 111.28m | 957.81m | 877.00 | 8.86 | 1.07 | 7.87 | 0.7075 | 4.24 | 4.24 | 51.57 | 35.22 | 0.3709 | -- | -- | 1,543,650.00 | 3.05 | -0.022 | -- | -- | -- | -- | 8.22 | -0.062 | -- | 43.53 | 0.1399 | -- | 14.41 | 0.8535 | 308.61 | 33.12 | -18.21 | -13.21 |
| Employers Holdings Inc | 904.70m | 62.50m | 1.03bn | 715.00 | 18.05 | 0.9978 | 13.42 | 1.13 | 2.53 | 2.53 | 37.35 | 45.76 | 0.2533 | -- | -- | 1,265,315.00 | 1.75 | 2.80 | -- | -- | -- | -- | 6.91 | 13.58 | -- | 259.00 | 0.00 | 40.10 | 3.50 | 1.05 | 0.4234 | -5.47 | -16.54 | 6.40 |
| International General Insuranc Hldgs Ltd | 523.22m | 124.11m | 1.10bn | 355.00 | 9.21 | 1.61 | -- | 2.11 | 2.78 | 2.78 | 11.71 | 15.90 | 0.2533 | -- | -- | 1,106,171.00 | 6.05 | 5.43 | -- | -- | -- | -- | 23.88 | 20.00 | -- | -- | 0.00 | 14.95 | 8.27 | 18.58 | 20.34 | 41.40 | 44.39 | -- |
| Safety Insurance Group Inc | 1.22bn | 86.87m | 1.20bn | 551.00 | 13.67 | 1.33 | 12.59 | 0.9841 | 5.88 | 5.88 | 82.47 | 60.40 | 0.5156 | -- | -- | 2,208,775.00 | 3.70 | 3.90 | -- | -- | -- | -- | 7.17 | 8.95 | -- | -- | 0.0323 | 66.03 | 19.89 | 5.18 | 274.75 | -6.60 | -14.57 | 1.15 |
| ProAssurance Corp | 1.10bn | 33.71m | 1.26bn | 1.04k | 37.45 | 0.9638 | 25.92 | 1.14 | 0.6529 | 0.6529 | 21.43 | 25.37 | 0.1956 | -- | -- | 1,065,325.00 | 0.5975 | -0.0653 | -- | -- | -- | -- | 3.05 | -0.3351 | -- | 33.44 | 0.2443 | -- | -0.2591 | 2.27 | 236.63 | 120.85 | -- | -- |
Data as of Feb 06 2026. Currency figures normalised to Root Inc's reporting currency: US Dollar USD
32.17%Per cent of shares held by top holders
| Holder | Shares | % Held |
|---|---|---|
| T. Rowe Price Investment Management, Inc.as of 30 Sep 2025 | 872.21k | 6.37% |
| BlackRock Fund Advisorsas of 30 Sep 2025 | 827.19k | 6.04% |
| The Vanguard Group, Inc.as of 31 Dec 2025 | 617.33k | 4.51% |
| Capital Research & Management Co. (Global Investors)as of 30 Sep 2025 | 496.60k | 3.62% |
| Renaissance Technologies LLCas of 30 Sep 2025 | 333.62k | 2.44% |
| American Century Investment Management, Inc.as of 30 Sep 2025 | 305.01k | 2.23% |
| Geode Capital Management LLCas of 30 Sep 2025 | 298.73k | 2.18% |
| SSgA Funds Management, Inc.as of 30 Sep 2025 | 245.85k | 1.79% |
| Invesco Advisers, Inc.as of 30 Sep 2025 | 207.84k | 1.52% |
| Morgan Stanley & Co. LLCas of 30 Sep 2025 | 203.19k | 1.48% |
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Data from 30 Sep 2025 - 31 Dec 2025Source: FactSet Research Systems Inc.
