ROOT Root, Inc. - Common Stock
$55.80
Price · Aug 19, 2026
Fundamentals as of Aug 5, 2026
52W Range
$41–$104
23% of range
Analyst Rating
HOLD
12 analysts
Price Target
$60
+8% upside
P/E (TTM)
30.6
ROE
15.2%
Net Profit Margin
2.7%
ROOT Stock Snapshot Price, market cap, P/E, EPS, ROE, debt/equity, 52-week range
Price
$55.80
Market Cap
—
P/E (TTM)
30.6
EPS (TTM)
$2.36
Revenue (TTM)
$1.52B
Div Yield
—
ROE
15.2%
Debt/Equity
—
52W Range
$41 – $104
ROOT Stock Price Chart Daily OHLCV with technical indicators — pan, zoom, and customize your view
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10-Year Performance Revenue, net income, margins and EPS trends
Revenue & Net Income
$1.52B
2018-12-31
→
2025-12-31
EPS
$2.36
2019-12-31
→
2025-12-31
Free Cash Flow
$206M
2020-12-31
→
2025-12-31
Margins
2.7%
Valuation P/E, P/S, P/B, EV/EBITDA ratios — is the stock expensive or cheap?
Metric
5Y trend
ROOT
Peer Median
P/E (TTM)
30.6
13.8
Profitability Gross, operating and net margins; ROE, ROA, ROIC
Metric
5Y trend
ROOT
Peer Median
Operating Margin
4.1%
—
Net Profit Margin
2.7%
11.5%
ROA
2.5%
3.6%
ROE
15.2%
15.0%
ROIC
21.5%
—
Financial Health Debt, liquidity, solvency — balance sheet strength
Metric
5Y trend
ROOT
Peer Median
Growth Revenue, EPS and net income growth: YoY, 3Y CAGR, 5Y CAGR
Metric
5Y trend
ROOT
Peer Median
Revenue YoY
28.9%
—
Revenue CAGR 3Y
69.6%
—
Revenue CAGR 5Y
34.3%
—
EPS YoY
29.0%
—
Net Income YoY
30.4%
—
Capital Efficiency Asset turnover, inventory turnover, receivables turnover
Metric
5Y trend
ROOT
Peer Median
ROOT Analyst Consensus Bullish and bearish analyst opinions, 12-month price target, upside
BUY
12 analysts
- Strong Buy 3 25.0%
- Buy 4 33.3%
- Hold 5 41.7%
- Sell 0 0.0%
- Strong Sell 0 0.0%
12-Month Price Target
5 analysts · 2026-08-16
Median
$58.00
Now
$55.80
Low
$50.00
High
$80.00
Median target
$58.00
+3.9%
Mean target
$60.20
+7.9%
Earnings History EPS actual vs estimate, surprise %, beat rate, next earnings date
Avg Surprise
0.68%
| Period | EPS Actual | EPS Est | Surprise |
|---|---|---|---|
| June 30, 2026 | $1.49 | $0.85 | 0.64% |
| March 31, 2026 | $2.09 | $0.86 | 1.2% |
| Dec. 31, 2025 | $0.31 | $-0.31 | 0.62% |
| Sept. 30, 2025 | $-0.35 | $-0.50 | 0.15% |
| June 30, 2025 | $1.29 | $0.57 | 0.72% |
| March 31, 2025 | $1.07 | $0.34 | 0.73% |
Peer comparison (GICS sub-industry) Key metrics vs sector peers
| Ticker | Market Cap | P/E | Rev YoY | Net Margin | ROE | Gross Margin |
|---|---|---|---|---|---|---|
| ROOT | — | 30.6 | 28.9% | 2.7% | 15.2% | — |
| UVE | $947M | 5.3 | 5.5% | 11.4% | 36.3% | — |
| ASIC | $1.01B | 13.3 | 23.4% | 17.4% | 14.6% | — |
| BOW | $936M | 17.9 | 29.6% | 9.8% | 13.1% | — |
| HRTG | $902M | 4.6 | 3.7% | 23.1% | 44.0% | — |
| HIPO | $773M | 13.5 | 25.9% | 12.3% | 14.5% | — |
| EIG | $878M | 93.8 | -2.5% | 1.3% | 1.1% | — |
| DGICA | — | — | -1.2% | 8.1% | 12.7% | — |
| TIPT | $691M | 24.0 | -67.9% | 7157.2% | 7.2% | — |
| ITIC | $471M | 13.4 | 5.6% | 12.9% | 13.2% | — |
| AII | $408M | 3.7 | 35.3% | 36.0% | 31.2% | — |
Full Fundamentals All metrics by year — income statement, balance sheet, cash flow
Income Statement 13
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $1.52B | $1.18B | $455M | $311M | $345M | $347M | $290M | |
| SG&A Expense | $97M | $70M | $83M | $127M | $98M | $78M | $43M | |
| Operating Expenses | $1.46B | $1.10B | $556M | $574M | $831M | $632M | $550M | |
| Operating Income | $62M | $78M | $-101M | $-263M | $-485M | $-285M | $-260M | |
| Interest Expense | · | · | $46M | $35M | $20M | $78M | $22M | |
| Pretax Income | $41M | $31M | $-147M | $-298M | $-521M | $-363M | $-282M | |
| Income Tax | $500.0K | $0 | $0 | $0 | $0 | $0 | $0 | |
| Net Income | $40M | $31M | $-147M | $-298M | $-521M | $-363M | $-282M | |
| EPS (Basic) | $2.49 | $1.96 | $-10.24 | $-21.11 | $-37.76 | $-86.43 | $-8.33 | |
| EPS (Diluted) | $2.36 | $1.83 | $-10.24 | $-21.11 | $-37.76 | $-86.43 | $-8.33 | |
| Shares (Basic) | 15,400,000 | 14,900,000 | 14,400,000 | 14,100,000 | 13,800,000 | 4,200,000 | 33,900,000 | |
| Shares (Diluted) | 17,100,000 | 16,900,000 | 14,400,000 | 14,100,000 | 13,800,000 | 4,200,000 | 33,900,000 | |
| EBITDA | $74M | $93M | $-89M | $-249M | $-469M | $16M | · |
Balance Sheet 15
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 |
|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $669M | $599M | $679M | $762M | $706M | $1.11B | $392M | |
| PP&E (Net) | $1M | $2M | $3M | $6M | $10M | $9M | $10M | |
| PP&E (Gross) | $8M | $16M | $16M | $18M | $20M | $14M | $12M | |
| Accum. Depreciation | $7M | $14M | $13M | $13M | $10M | $5M | $2M | |
| Total Assets | $1.67B | $1.50B | $1.35B | $1.31B | $1.32B | $1.76B | $729M | |
| Total Liabilities | $1.28B | $1.18B | $1.07B | $924M | $671M | $730M | $542M | |
| Long-term Debt | $200M | $200M | $299M | $295M | $0 | $188M | $192M | |
| Common Stock | · | · | · | · | · | · | $0 | |
| Paid-in Capital | $1.92B | $1.89B | $1.88B | $1.85B | $1.81B | $1.78B | $10M | |
| Retained Earnings | $-1.64B | $-1.68B | $-1.72B | $-1.57B | $-1.27B | $-748M | $-385M | |
| Treasury Stock | · | · | · | · | $0 | $800.0K | $100.0K | |
| AOCI | $4M | $-2M | $-2M | $-6M | $400.0K | $6M | $600.0K | |
| Stockholders' Equity | $284M | $204M | $166M | $277M | $536M | $1.03B | $-374M | |
| Liabilities + Equity | $1.67B | $1.50B | $1.35B | $1.31B | $1.32B | $1.76B | $729M | |
| Shares Outstanding | · | · | · | · | · | · | 44,400,000 |
Cash Flow 15
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 |
|---|---|---|---|---|---|---|---|---|
| D&A | $12M | $15M | $13M | $14M | $17M | $16M | $5M | |
| Stock-based Comp | $40M | $18M | $17M | $30M | $19M | $4M | $1M | |
| Deferred Tax | $0 | $0 | $0 | $0 | $0 | $0 | $0 | |
| Restructuring | · | $100.0K | $11M | $11M | · | · | · | |
| Other Non-cash | $114M | $131M | $84M | $43M | $82M | $56M | · | |
| Operating Cash Flow | $206M | $196M | $-34M | $-211M | $-403M | $-287M | $-127M | |
| CapEx | $0 | $400.0K | $200.0K | $0 | $5M | $2M | $7M | |
| Investing Cash Flow | $-92M | $-154M | $-46M | $-17M | $77M | $-114M | $-114M | |
| Net Debt Issued | $0 | $-237M | $0 | $0 | $-200M | $-14M | · | |
| Stock Repurchased | · | · | · | $0 | $0 | $200.0K | $0 | |
| Net Stock Activity | · | · | · | $0 | $0 | $-200.0K | · | |
| Financing Cash Flow | $-25M | $-121M | $-4M | $283M | $-80M | $1.10B | $536M | |
| Net Change in Cash | $90M | $-79M | $-83M | $56M | $-407M | $697M | $294M | |
| Free Cash Flow | $206M | $195M | $-34M | $-211M | $-408M | $-289M | · | |
| Levered FCF | · | · | $-80M | $-245M | $-428M | $-367M | · |
Profitability 7
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 |
|---|---|---|---|---|---|---|---|---|
| Operating Margin | 4.1% | 6.7% | -22.3% | -84.7% | -140.5% | · | · | |
| Net Margin | 2.7% | 2.6% | -32.4% | -95.8% | -150.9% | -104.7% | · | |
| Pretax Margin | 2.7% | 2.6% | -32.4% | -95.8% | -150.9% | -104.7% | · | |
| EBITDA Margin | 4.9% | 7.9% | -19.5% | -80.2% | -135.7% | 4.5% | · | |
| ROA | 2.5% | 2.2% | -11.1% | -22.6% | -33.8% | -29.1% | · | |
| ROE | 15.2% | 16.0% | -86.0% | -99.4% | -88.9% | -157.1% | · | |
| ROIC | 21.5% | 38.5% | -61.1% | -95.0% | -90.5% | · | · |
Liquidity & Solvency 1
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 |
|---|---|---|---|---|---|---|---|---|
| Interest Coverage | · | · | -2.2 | -7.6 | -24.3 | · | · |
Efficiency 1
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 |
|---|---|---|---|---|---|---|---|---|
| Asset Turnover | 1.0 | 0.8 | 0.3 | 0.2 | 0.2 | 0.3 | · |
Growth Rates 5
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 |
|---|---|---|---|---|---|---|---|---|
| Revenue YoY | 28.9% | 158.6% | 46.4% | -10.0% | -0.40% | · | · | |
| Revenue CAGR 3Y | 69.6% | 50.5% | 9.5% | · | · | · | · | |
| Revenue CAGR 5Y | 34.3% | · | · | · | · | · | · | |
| EPS YoY | 29.0% | · | · | · | · | · | · | |
| Net Income YoY | 30.4% | · | · | · | · | · | · |
Valuation (TTM) 4
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 |
|---|---|---|---|---|---|---|---|---|
| Revenue TTM | $1.52B | $1.18B | $455M | $311M | $345M | $347M | · | |
| Net Income TTM | $40M | $31M | $-147M | $-298M | $-521M | $-363M | · | |
| P/E | 30.6 | 39.7 | -1.0 | -0.2 | -1.5 | -3.3 | · | |
| Earnings Yield | 3.3% | 2.5% | -97.7% | -470.2% | -67.7% | -30.6% | · |
Income Statement 13
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $389M | $394M | $397M | $388M | $383M | $349M | $327M | $306M | $289M | $255M | $195M | $115M | $75M | $70M | $71M | $74M | |
| SG&A Expense | $16M | $24M | $27M | $26M | $24M | $20M | $17M | $18M | $18M | $17M | $20M | $21M | $21M | $22M | $31M | $26M | |
| Operating Expenses | $355M | $353M | $386M | $388M | $356M | $326M | $292M | $271M | $285M | $250M | $207M | $149M | $100M | $100M | $119M | $131M | |
| Operating Income | $35M | $41M | $10M | $300.0K | $27M | $24M | $35M | $34M | $4M | $5M | $-12M | $-34M | $-25M | $-30M | $-48M | $-57M | |
| Interest Expense | · | · | · | · | · | · | · | · | · | $12M | · | $12M | $12M | $11M | $11M | $9M | |
| Pretax Income | $26M | $36M | $5M | $-5M | $22M | $18M | $22M | $23M | $-8M | $-6M | $-24M | $-46M | $-37M | $-41M | $-58M | $-66M | |
| Income Tax | $200.0K | $200.0K | $100.0K | $400.0K | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | |
| Net Income | $25M | $36M | $5M | $-5M | $22M | $18M | $22M | $23M | $-8M | $-6M | $-24M | $-46M | $-37M | $-41M | $-58M | $-66M | |
| EPS (Basic) | $1.54 | $2.19 | $0.33 | $-0.35 | $1.36 | $1.15 | $1.45 | $1.45 | $-0.52 | $-0.42 | $-1.65 | $-3.16 | $-2.55 | $-2.88 | $-4.09 | $-4.71 | |
| EPS (Diluted) | $1.49 | $2.09 | $0.35 | $-0.35 | $1.29 | $1.07 | $1.42 | $1.35 | $-0.52 | $-0.42 | $-1.65 | $-3.16 | $-2.55 | $-2.88 | $-4.09 | $-4.71 | |
| Shares (Basic) | 15,700,000 | 15,600,000 | -30,600,000 | 15,400,000 | 15,400,000 | 15,200,000 | -29,600,000 | 15,000,000 | 14,900,000 | 14,600,000 | -28,700,000 | 14,500,000 | 14,400,000 | 14,200,000 | -28,100,000 | 14,100,000 | |
| Shares (Diluted) | 17,000,000 | 17,200,000 | -32,600,000 | 15,400,000 | 17,100,000 | 17,200,000 | -29,500,000 | 16,900,000 | 14,900,000 | 14,600,000 | -28,700,000 | 14,500,000 | 14,400,000 | 14,200,000 | -28,100,000 | 14,100,000 | |
| EBITDA | $35M | $44M | · | $300.0K | $27M | $26M | · | $34M | $4M | $8M | · | $-34M | $-25M | $-27M | · | $-55M |
Balance Sheet 12
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $510M | $597M | $669M | $653M | $641M | $609M | $599M | $675M | $667M | $640M | · | $635M | $628M | $679M | · | $820M | |
| PP&E (Net) | · | · | $1M | · | · | · | $2M | · | · | · | · | · | · | · | · | · | |
| PP&E (Gross) | · | · | $8M | · | · | · | $16M | · | · | · | · | · | · | · | · | · | |
| Accum. Depreciation | · | · | $7M | · | · | · | $14M | · | · | · | · | · | · | · | · | · | |
| Total Assets | $1.67B | $1.68B | $1.67B | $1.64B | $1.59B | $1.59B | $1.50B | $1.56B | $1.50B | $1.43B | · | $1.24B | $1.19B | $1.20B | · | $1.38B | |
| Total Liabilities | $1.23B | $1.25B | $1.28B | $1.27B | $1.23B | $1.24B | $1.18B | $1.27B | $1.23B | $1.15B | · | $951M | $868M | $845M | · | $941M | |
| Long-term Debt | $198M | $200M | $200M | $200M | $200M | $200M | $200M | $301M | $300M | $299M | · | $298M | $297M | $296M | · | $294M | |
| Paid-in Capital | $1.91B | $1.93B | $1.92B | $1.91B | $1.88B | $1.89B | $1.89B | $1.88B | $1.88B | $1.89B | · | $1.87B | $1.87B | $1.86B | · | $1.84B | |
| Retained Earnings | $-1.58B | $-1.61B | $-1.64B | $-1.65B | $-1.64B | $-1.66B | $-1.68B | $-1.70B | $-1.73B | $-1.72B | · | $-1.69B | $-1.65B | $-1.61B | · | $-1.50B | |
| AOCI | $-2M | $400.0K | $4M | $4M | $2M | $700.0K | $-2M | $2M | $-3M | $-3M | · | $-7M | $-6M | $-5M | · | $-7M | |
| Stockholders' Equity | $328M | $326M | $284M | $265M | $244M | $229M | $204M | $182M | $151M | $166M | $166M | $177M | $214M | $244M | $277M | $331M | |
| Liabilities + Equity | $1.67B | $1.68B | $1.67B | $1.64B | $1.59B | $1.59B | $1.50B | $1.56B | $1.50B | $1.43B | · | $1.24B | $1.19B | $1.20B | · | $1.38B |
Cash Flow 11
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| D&A | $3M | $3M | $3M | $5M | $2M | $2M | $3M | $5M | $4M | $3M | $4M | $3M | $3M | $3M | $4M | $3M | |
| Stock-based Comp | $5M | $11M | $14M | $12M | $8M | $6M | $6M | $4M | $4M | $5M | $5M | $5M | $5M | $2M | $9M | $8M | |
| Restructuring | · | · | · | · | · | · | · | · | · | · | · | $2M | $2M | $5M | · | · | |
| Other Non-cash | · | $-41M | · | · | · | $0 | · | · | · | $13M | · | · | · | $-48M | · | · | |
| Operating Cash Flow | $58M | $9M | $70M | $58M | $52M | $27M | $69M | $49M | $63M | $14M | $46M | $15M | $-11M | $-84M | $-47M | $-59M | |
| CapEx | · | · | $0 | $0 | $0 | $0 | $0 | $0 | $200.0K | $200.0K | $0 | $0 | $200.0K | $0 | $0 | $0 | |
| Investing Cash Flow | $-60M | $-87M | $-32M | $-42M | $-4M | $-14M | $-40M | $-40M | $-22M | $-52M | $500.0K | $-7M | $-40M | $900.0K | $-11M | $-4M | |
| Financing Cash Flow | $-32M | $-4M | $-2M | $-4M | $-16M | $-3M | $-104M | $-2M | $-14M | $-400.0K | $-3M | $-300.0K | $-600.0K | $0 | $0 | $-3M | |
| Net Change in Cash | $-34M | $-81M | $36M | $12M | $32M | $10M | $-76M | $8M | $27M | $-38M | $43M | $7M | $-51M | $-83M | $-58M | $-66M | |
| Free Cash Flow | · | · | · | · | · | $27M | · | · | · | $14M | · | · | · | · | · | · | |
| Levered FCF | · | · | · | · | · | · | · | · | · | $3M | · | · | · | · | · | · |
Profitability 7
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Margin | 8.9% | 10.4% | · | 0.08% | 7.1% | 6.8% | · | 11.2% | 1.3% | 2.1% | · | -29.5% | -33.7% | -42.5% | · | -74.2% | |
| Net Margin | 6.5% | 9.1% | · | -1.4% | 5.8% | 5.3% | · | 7.5% | -2.7% | -2.4% | · | -39.7% | -49.1% | -58.4% | · | -86.8% | |
| Pretax Margin | 6.6% | 9.2% | · | -1.3% | 5.8% | 5.3% | · | 7.5% | -2.7% | -2.4% | · | -39.7% | -49.1% | -58.4% | · | -86.8% | |
| EBITDA Margin | 8.9% | 11.2% | · | 0.08% | 7.1% | 7.4% | · | 11.2% | 1.3% | 3.3% | · | -29.5% | -33.7% | -38.7% | · | -74.2% | |
| ROA | 1.6% | 2.2% | · | -0.34% | 1.4% | 1.2% | · | 1.6% | -0.58% | -0.47% | · | -3.5% | -2.7% | -3.0% | · | -4.4% | |
| ROE | 8.9% | 13.0% | · | -2.4% | 11.1% | 9.3% | · | 12.7% | -4.3% | -3.0% | · | -18.0% | -12.2% | -11.5% | · | -13.2% | |
| ROIC | 10.5% | 12.5% | · | 0.12% | 11.2% | 10.4% | · | 18.9% | 2.5% | 3.3% | · | -19.2% | -11.8% | -12.2% | · | -16.5% |
Liquidity & Solvency 1
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Interest Coverage | · | · | · | · | · | · | · | · | · | 0.5 | · | -2.9 | -2.2 | -2.7 | · | -5.9 |
Efficiency 1
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Asset Turnover | 0.2 | 0.2 | · | 0.2 | 0.2 | 0.2 | · | 0.2 | 0.2 | 0.2 | · | 0.1 | 0.1 | 0.1 | · | 0.1 |
Valuation (TTM) 4
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue TTM | $1.55B | $1.51B | · | $1.43B | $1.33B | $1.20B | · | $965M | $734M | $515M | · | $332M | $290M | $296M | · | $333M | |
| Net Income TTM | $78M | $71M | · | $58M | $55M | $27M | · | $-37M | $-96M | $-130M | · | $-182M | $-202M | $-261M | · | $-372M | |
| P/E | 12.4 | 10.8 | · | 26.6 | 40.1 | 90.2 | · | -13.7 | -7.8 | -6.8 | · | -0.7 | -0.6 | -0.2 | · | -0.3 | |
| Earnings Yield | 8.1% | 9.3% | · | 3.8% | 2.5% | 1.1% | · | -7.3% | -12.9% | -14.8% | · | -133.8% | -159.6% | -410.0% | · | -337.4% |
Financial Statements Income statement, balance sheet, cash flow — annual, last 5 years
Income Statement
| 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | |
|---|---|---|---|---|---|
| Revenue | $1.52B | $1.18B | $455M | $311M | $345M |
| Operating Margin % | 4.1% | 6.7% | -22.3% | -84.7% | -140.5% |
| Net Income | $40M | $31M | $-147M | $-298M | $-521M |
| Diluted EPS | $2.36 | $1.83 | $-10.24 | $-21.11 | $-37.76 |
Cash Flow
| 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | |
|---|---|---|---|---|---|
| Free Cash Flow | $206M | $195M | $-34M | $-211M | $-408M |
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Institutional owners (13F) 188 filers · $440.9M total · As of June 30, 2026
Institutions that report holding this stock in their quarterly SEC Form 13F. Long positions only; a single filer may appear twice for separate option legs. Large offsetting put/call legs typically reflect market-making or hedged inventory, not directional conviction.
Institutional activity — Q2 2026 vs prior quarter
| New positions | Exited positions | Increased | Decreased | Net shares change |
|---|---|---|---|---|
| 48 (+15 vs prior Q) | 23 (-28 vs prior Q) | 50 (-6 vs prior Q) | 44 (+7 vs prior Q) | -531K |
Compared to Q1 2026. SEC Form 13F filings are due within 45 days of quarter-end plus a short buffer for late filers — quarters still inside that window are skipped in favor of the most recent fully-reported pair.
| Institution | Value | Shares | % of tracked 13F | Type |
|---|---|---|---|---|
| Ribbit Management Company, LLC | $68,927,383 | 1,232,607 | 15.63% | Shares |
| VANGUARD GROUP INC | $44,589,674 | 617,329 | 10.11% | Shares |
| VANGUARD CAPITAL MANAGEMENT LLC | $29,543,487 | 528,317 | 6.70% | Shares |
| FINDELL CAPITAL MANAGEMENT LLC | $25,723,200 | 460,000 | 5.83% | Shares |
| GEODE CAPITAL MANAGEMENT, LLC | $16,556,432 | 296,000 | 3.76% | Shares |
| STATE STREET CORP | $16,259,970 | 290,772 | 3.69% | Shares |
| Galileo (PTC) Ltd | $14,129,250 | 252,669 | 3.20% | Shares |
| RENAISSANCE TECHNOLOGIES LLC | $13,716,114 | 245,281 | 3.11% | Shares |
| BOOTHBAY FUND MANAGEMENT, LLC | $11,364,845 | 203,234 | 2.58% | Shares |
| Quinn Opportunity Partners LLC | $9,572,162 | 171,176 | 2.17% | Shares |
| SUSQUEHANNA INTERNATIONAL GROUP, LLP | $9,036,672 | 161,600 | 2.05% | Put option |
| Tairen Capital Ltd | $8,991,824 | 160,798 | 2.04% | Shares |
| Dragoneer Investment Group, LLC | $8,629,574 | 154,320 | 1.96% | Shares |
| CITADEL ADVISORS LLC | $8,030,112 | 143,600 | 1.82% | Put option |
| CITADEL ADVISORS LLC | $6,257,448 | 111,900 | 1.42% | Call option |
| CHARLES SCHWAB INVESTMENT MANAGEMENT INC | $6,110,378 | 109,270 | 1.39% | Shares |
| VANGUARD PORTFOLIO MANAGEMENT LLC | $5,982,489 | 106,983 | 1.36% | Shares |
| BANK OF AMERICA CORP /DE/ | $5,900,902 | 105,524 | 1.34% | Shares |
| SUSQUEHANNA INTERNATIONAL GROUP, LLP | $5,815,680 | 104,000 | 1.32% | Call option |
| GOLDMAN SACHS GROUP INC | $5,701,547 | 101,959 | 1.29% | Shares |
| VANGUARD FIDUCIARY TRUST CO | $5,435,480 | 97,201 | 1.23% | Shares |
| MORGAN STANLEY | $5,014,346 | 89,670 | 1.14% | Shares |
| BNP PARIBAS FINANCIAL MARKETS | $4,910,783 | 87,818 | 1.11% | Shares |
| TUDOR INVESTMENT CORP ET AL | $4,462,696 | 79,805 | 1.01% | Shares |
| DIMENSIONAL FUND ADVISORS LP | $4,351,918 | 77,824 | 0.99% | Shares |
| WOLVERINE TRADING, LLC | $4,337,100 | 47,400 | 0.98% | Call option |
| Capital Research Global Investors | $4,335,645 | 77,533 | 0.98% | Shares |
| JANE STREET GROUP, LLC | $4,029,427 | 72,057 | 0.91% | Shares |
| WOLVERINE TRADING, LLC | $3,987,479 | 43,579 | 0.90% | Shares |
| WOLVERINE TRADING, LLC | $3,916,200 | 42,800 | 0.89% | Put option |
| Walleye Trading LLC | $3,858,480 | 69,000 | 0.88% | Put option |
| CITIGROUP INC | $3,297,043 | 58,960 | 0.75% | Shares |
| TWO SIGMA INVESTMENTS, LP | $2,978,467 | 53,263 | 0.68% | Shares |
| CALIFORNIA STATE TEACHERS RETIREMENT SYSTEM | $2,929,089 | 66,314 | 0.66% | Shares |
| CANNELL CAPITAL LLC | $2,926,350 | 52,331 | 0.66% | Shares |
| BARCLAYS PLC | $2,833,466 | 50,670 | 0.64% | Shares |
| MARSHALL WACE, LLP | $2,704,905 | 48,371 | 0.61% | Shares |
| HB Wealth Management, LLC | $2,650,384 | 47,396 | 0.60% | Shares |
| JANE STREET GROUP, LLC | $2,482,848 | 44,400 | 0.56% | Call option |
| MILLENNIUM MANAGEMENT LLC | $2,443,480 | 43,696 | 0.55% | Shares |
| JANE STREET GROUP, LLC | $1,834,176 | 32,800 | 0.42% | Put option |
| Trinity Financial Advisors LLC | $1,788,545 | 31,984 | 0.41% | Shares |
| BlackRock, Inc. | $1,674,189 | 29,939 | 0.38% | Shares |
| IMC-Chicago, LLC | $1,646,341 | 29,441 | 0.37% | Shares |
| WMS Partners, LLC | $1,543,046 | 21,257 | 0.35% | Shares |
| Diametric Capital, LP | $1,509,504 | 26,994 | 0.34% | Shares |
| AMERICAN CENTURY COMPANIES INC | $1,450,173 | 25,933 | 0.33% | Shares |
| BloombergSen Inc. | $1,429,651 | 25,566 | 0.32% | Shares |
| Trexquant Investment LP | $1,387,319 | 24,809 | 0.31% | Shares |
| CITADEL ADVISORS LLC | $1,297,959 | 23,211 | 0.29% | Shares |
| Voleon Capital Management LP | $1,249,532 | 22,345 | 0.28% | Shares |
| Swiss National Bank | $1,235,832 | 22,100 | 0.28% | Shares |
| GMT Capital Corp | $1,168,728 | 20,900 | 0.27% | Shares |
| Prosperitas Financial LLC | $1,159,982 | 26,262 | 0.26% | Shares |
| TD Asset Management Inc | $1,078,585 | 19,288 | 0.24% | Shares |
| RHUMBLINE ADVISERS | $901,868 | 16,128 | 0.20% | Shares |
| Bank of New York Mellon Corp | $823,142 | 14,720 | 0.19% | Shares |
| RBF Capital, LLC | $816,432 | 14,600 | 0.19% | Shares |
| XTX Topco Ltd | $801,781 | 14,338 | 0.18% | Shares |
| TWO SIGMA ADVISERS, LP | $792,074 | 10,966 | 0.18% | Shares |
| Walleye Trading LLC | $746,756 | 13,354 | 0.17% | Shares |
| Walleye Capital LLC | $662,316 | 11,844 | 0.15% | Shares |
| Quantinno Capital Management LP | $657,284 | 11,754 | 0.15% | Shares |
| Vident Advisory, LLC | $650,517 | 11,633 | 0.15% | Shares |
| CREDIT AGRICOLE S A | $615,120 | 11,000 | 0.14% | Shares |
| LOS ANGELES CAPITAL MANAGEMENT LLC | $588,837 | 10,530 | 0.13% | Shares |
| ALLIANCEBERNSTEIN L.P. | $553,008 | 12,520 | 0.13% | Shares |
| JACOBS LEVY EQUITY MANAGEMENT, INC | $550,980 | 9,853 | 0.12% | Shares |
| Cubist Systematic Strategies, LLC | $528,109 | 5,900 | 0.12% | Put option |
| Cubist Systematic Strategies, LLC | $501,256 | 5,600 | 0.11% | Call option |
| STATE OF WISCONSIN INVESTMENT BOARD | $483,317 | 8,643 | 0.11% | Shares |
| MetLife Investment Management, LLC | $456,643 | 8,166 | 0.10% | Shares |
| Walleye Trading LLC | $447,360 | 8,000 | 0.10% | Call option |
| STATE BOARD OF ADMINISTRATION OF FLORIDA RETIREMENT SYSTEM | $444,844 | 7,955 | 0.10% | Shares |
| ALGERT GLOBAL LLC | $444,564 | 7,950 | 0.10% | Shares |
| Balyasny Asset Management L.P. | $422,643 | 7,558 | 0.10% | Shares |
| Point72 Asset Management, L.P. | $421,581 | 7,539 | 0.10% | Shares |
| TRUIST FINANCIAL CORP | $401,338 | 7,177 | 0.09% | Shares |
| Dynamic Technology Lab Private Ltd | $397,000 | 7,096 | 0.09% | Shares |
| PRELUDE CAPITAL MANAGEMENT, LLC | $393,174 | 7,031 | 0.09% | Shares |
| VANGUARD ASSET MANAGEMENT, Ltd | $390,993 | 6,992 | 0.09% | Shares |
| Requisite Capital Management, LLC | $382,716 | 6,844 | 0.09% | Shares |
| Kerrisdale Advisers, LLC | $371,868 | 6,650 | 0.08% | Shares |
| LPL Financial LLC | $342,790 | 6,130 | 0.08% | Shares |
| Russell Investments Group, Ltd. | $341,783 | 6,112 | 0.08% | Shares |
| D. E. Shaw & Co., Inc. | $335,520 | 6,000 | 0.08% | Call option |
| MIRAE ASSET GLOBAL ETFS HOLDINGS Ltd. | $331,717 | 5,932 | 0.08% | Shares |
| CANADA PENSION PLAN INVESTMENT BOARD | $318,744 | 5,700 | 0.07% | Shares |
| SUSQUEHANNA INTERNATIONAL GROUP, LLP | $312,705 | 5,592 | 0.07% | Shares |
| Aquatic Capital Management LLC | $308,958 | 5,525 | 0.07% | Shares |
| Vanguard Global Advisers, LLC | $308,958 | 5,525 | 0.07% | Shares |
| NEW YORK STATE COMMON RETIREMENT FUND | $307,560 | 5,500 | 0.07% | Shares |
| Mariner, LLC | $293,794 | 5,255 | 0.07% | Shares |
| JONES FINANCIAL COMPANIES LLLP | $292,595 | 5,254 | 0.07% | Shares |
| Freestone Grove Partners LP | $287,988 | 5,150 | 0.07% | Shares |
| Invesco Ltd. | $287,149 | 5,135 | 0.07% | Shares |
| Entropy Technologies, LP | $268,416 | 4,800 | 0.06% | Shares |
| FOX RUN MANAGEMENT, L.L.C. | $266,011 | 4,757 | 0.06% | Shares |
| NORGES BANK | $255,946 | 4,577 | 0.06% | Shares |
| Boston Partners | $247,050 | 4,418 | 0.06% | Shares |
Company insiders 26 insiders · 9 officers · 11 directors
| Insider | Role | Last activity | Shares owned | Buys 12m | Sells 12m | Net 12m |
|---|---|---|---|---|---|---|
| Alexander E. Timm | Chief Executive Officer | Oct. 2, 2023 F | 159,037 | 0 | 0 | $0 |
| Megan Binkley | Chief Financial Officer | Oct. 2, 2023 F | 76,942 | 0 | 0 | $0 |
| Robert H. Bateman | Chief Financial Officer | April 11, 2022 A | 653,416 | 0 | 0 | $0 |
| Ryan Forish | Chief Accounting Officer | June 22, 2026 F | 24,316 | 0 | 0 | $0 |
| Jonathan Allison | Chief Administrative Officer | Oct. 2, 2023 F | 93,119 | 0 | 0 | $0 |
| Mahtiyar Bonakdarpour | Chief Technology Officer | Oct. 2, 2023 F | 288,851 | 0 | 0 | $0 |
| Daniel H Rosenthal | Ch. Rev. and Operating Officer | Feb. 1, 2023 F | 94,784 | 0 | 0 | $0 |
| Hemal Shah | Chief Product Officer | Feb. 1, 2022 F | 880,775 | 0 | 0 | $0 |
| Daniel Manges | Chief Technology Officer | May 28, 2021 C | 0 | 0 | 0 | $0 |
| Donna Dorsey | Director | June 3, 2026 A | 12,820 | 0 | 0 | $0 |
| Julie Szudarek | Director | June 3, 2026 A | 14,696 | 0 | 0 | $0 |
| Doug Ulman | Director | June 3, 2026 A | 3,983 | 0 | 0 | $0 |
| Beth A Birnbaum | Director | June 3, 2026 A | 17,144 | 0 | 0 | $0 |
| Lawrence A. Hilsheimer | Director | June 3, 2026 A | 43,859 | 0 | 0 | $0 |
| Jerri Devard | Director | June 3, 2026 A | 21,396 | 0 | 0 | $0 |
| Nancy J Kramer | Director | June 3, 2026 A | 20,480 | 0 | 0 | $0 |
| Scott Harlan Maw | Director | Dec. 30, 2022 A | 11,201 | 0 | 0 | $0 |
| Elliot Geidt | Director | June 14, 2021 C | 41,177 | 0 | 0 | $0 |
| Christopher Olsen | 10% owner | May 21, 2025 C | 6,869 | 0 | 0 | $0 |
| Malka Meyer | 10% owner | Dec. 30, 2020 P | 1,753,976 | 0 | 0 | $0 |
| Scale Venture Partners V, L.P. | 10% owner | Oct. 30, 2020 J | 0 | 0 | 0 | $0 |
| Venture Overage Fund, L.P. | 10% owner | Oct. 30, 2020 C | 2,808,000 | 0 | 0 | $0 |
| Capital Partners III, L.P. | 10% owner | Oct. 30, 2020 C | 11,286,225 | 0 | 0 | $0 |
| SVB FINANCIAL GROUP | 10% owner | Oct. 30, 2020 X | 0 | 0 | 0 | $0 |
| Anirban Kundu | — | July 1, 2021 A | 2,321,913 | 0 | 0 | $0 |
| Luis Von Ahn | — | June 30, 2021 A | 41,347 | 0 | 0 | $0 |
Insiders from SEC Form 3/4/5 filings; net = open-market P/S only
Activists & 5%+ owners 3 positions
Investors who filed SEC Schedule 13D — beneficial ownership above 5% with an intent to influence the issuer (activist stakes, board campaigns, M&A). Each row shows the most recent known state of that filer's position.
| Filer | Filed | Stake | Status | Purpose | Filing |
|---|---|---|---|---|---|
| Carvana Group, LLC, Carvana Co. Sub LLC, Carvana Co. ×11 filings | March 3, 2026 | 21.20% | Amendment | — | SEC |
| SLP Omni Aggregator, L.P., SLP VI Aggregator GP, L.L.C., Silver Lake Technology Associates VI, L.P., SLTA VI (GP), L.L.C., Silver Lake Group, L.L.C. ×2 filings | Nov. 15, 2023 | — | Initial filing | — | SEC |
| Carvana Co. Sub LLC, Carvana Co. | Oct. 12, 2021 | — | Initial filing | Passive investment | SEC |
Purpose is an automated classification of the filer's own stated purpose (SEC Item 4) — not investment advice. "—" means no clear purpose was stated or the text could not be classified.
ETF ownership Held by 36 ETFs
Weight reflects direct equity holdings (N-PORT) only; leveraged or derivative-based funds may hold additional swap exposure not shown.
| Fund | Weight | Units | As of | Source |
|---|---|---|---|---|
| GSSC · Goldman Sachs ETF Trust | 0.10% | 18,012 NS | May 31, 2026 | N-PORT |
| ESSC · Strategy Shares | 0.06% | 267 NS | April 30, 2026 | N-PORT |
| FSCC · Federated Hermes ETF Trust | 0.05% | 2,633 NS | May 31, 2026 | N-PORT |
| AVSC · AMERICAN CENTURY ETF TRUST | 0.03% | 16,739 NS | May 31, 2026 | N-PORT |
| RSSL · Global X Funds | 0.02% | 5,327 NS | April 30, 2026 | N-PORT |
| DFAS · Dimensional ETF Trust | 0.02% | 43,005 NS | April 30, 2026 | N-PORT |
| ITWO · ProShares Trust | 0.02% | 577 NS | May 31, 2026 | N-PORT |
| SCHA · SCHWAB STRATEGIC TRUST | 0.01% | 65,183 NS | May 31, 2026 | N-PORT |
| UWM · ProShares Trust | 0.01% | 452 NS | May 31, 2026 | N-PORT |
| FNCL · FIDELITY COVINGTON TRUST | 0.01% | 2,882 NS | April 30, 2026 | N-PORT |
| URTY · ProShares Trust | 0.01% | 457 NS | May 31, 2026 | N-PORT |
| MSSM · MORGAN STANLEY PATHWAY FUNDS | 0.00% | 474 NS | May 31, 2026 | N-PORT |
| HDG · ProShares Trust | 0.00% | 11 NS | May 31, 2026 | N-PORT |
| TILT · FlexShares Trust | 0.00% | 770 NS | April 30, 2026 | N-PORT |
| DXUV · Dimensional ETF Trust | 0.00% | 109 NS | April 30, 2026 | N-PORT |
| AVUS · AMERICAN CENTURY ETF TRUST | 0.00% | 3,476 NS | May 31, 2026 | N-PORT |
| DCOR · Dimensional ETF Trust | 0.00% | 767 NS | April 30, 2026 | N-PORT |
| AVUQ · AMERICAN CENTURY ETF TRUST | 0.00% | 47 NS | May 31, 2026 | N-PORT |
| SCHB · SCHWAB STRATEGIC TRUST | 0.00% | 8,000 NS | May 31, 2026 | N-PORT |
| DFAU · Dimensional ETF Trust | 0.00% | 1,660 NS | April 30, 2026 | N-PORT |
| EBI · RBB Fund Trust | 0.00% | 4 NS | May 31, 2026 | N-PORT |
| VXF · VANGUARD INDEX FUNDS | — | — | July 15, 2026 | Daily |
| VTI · VANGUARD INDEX FUNDS | — | — | July 15, 2026 | Daily |
| VTWO · VANGUARD SCOTTSDALE FUNDS | — | — | July 15, 2026 | Daily |
| VTWG · VANGUARD SCOTTSDALE FUNDS | — | — | July 15, 2026 | Daily |
| VTHR · VANGUARD SCOTTSDALE FUNDS | — | — | July 15, 2026 | Daily |
| ITOT · iShares Trust | — | — | July 22, 2026 | Daily |
| IWV · iShares Trust | — | — | Aug. 18, 2026 | Daily |
| IWO · iShares Trust | — | — | Aug. 18, 2026 | Daily |
| IWM · iShares Trust | — | — | Aug. 18, 2026 | Daily |
| IAK · iShares Trust | — | — | Aug. 18, 2026 | Daily |
| VFH · VANGUARD WORLD FUND | — | — | July 20, 2026 | Daily |
| ISCB · iShares Trust | — | — | July 20, 2026 | Daily |
| ISCG · iShares Trust | — | — | July 21, 2026 | Daily |
| SMLF · iShares Trust | — | — | Aug. 10, 2026 | Daily |
| WSML · iShares Trust | — | — | July 20, 2026 | Daily |