your badges 52W Range $41–$91 11% of range Analyst Rating HOLD 12 analysts Price Target $60 +30% upside P/E 12.9 ROE 21.4% Net Profit Margin 3.9%

ROOT Stock Snapshot Price, market cap, P/E, EPS, ROE, debt/equity, 52-week range

03
Price $46.26
P/E (TTM) 12.9
EPS (TTM) $3.58
Revenue (TTM) $1.57B
ROE (TTM) 21.4%
52W Range $41–$91

ROOT Stock Price Chart Daily OHLCV with technical indicators — pan, zoom, and customize your view

04
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Stock splits 1
Ex-date Split Type
Aug. 15, 2022 1-for-18 Reverse

10-Year Performance Revenue, net income, margins and EPS trends

06
Revenue$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
Net margin3.9%
2020-12-31 → 2025-12-31
Valuation & Ratios 07–12

Valuation P/E, P/S, P/B, EV/EBITDA ratios — is the stock expensive or cheap?

Metric 5Y trend ROOT 5Y avg Peer Median Verdict
P/E (TTM) 12.95Y avg ≈13.5 ≈13.5 13.6 Overvalued

Peer median is calculated on a standardized basis per metric and may not always match the TTM/MRQ basis shown for this stock.

value · ≈ 5Y avg · industry median · verdict relative to median

Earnings History EPS actual vs estimate, surprise %, beat rate, next earnings date

14
Avg Surprise 131.1%
Next Report Nov 03, 2026
PeriodReportEPS ActualEPS EstSurprise
June 30, 2026 Aug 4, 2026 $1.49 $0.85 76.0%
March 31, 2026 $2.09 $0.86 143.6%
Dec. 31, 2025 $0.31 $-0.31 198.7%
Sept. 30, 2025 $-0.35 $-0.50 30.5%
June 30, 2025 $1.29 $0.57 126.8%
March 31, 2025 $1.07 $0.34 211.0%

Full Fundamentals All metrics by year — income statement, balance sheet, cash flow

15
Income Statement 13
Metric Trend 2025202420232022202120202019
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) 15,400,00014,900,00014,400,00014,100,00013,800,0004,200,00033,900,000
Shares (Diluted) 17,100,00016,900,00014,400,00014,100,00013,800,0004,200,00033,900,000
EBITDA $74M$93M$-89M$-249M$-469M$16M·
Balance Sheet 15
Metric Trend 2025202420232022202120202019
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 2025202420232022202120202019
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 2025202420232022202120202019
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 2025202420232022202120202019
Interest Coverage ··-2.2-7.6-24.3··
Efficiency 1
Metric Trend 2025202420232022202120202019
Asset Turnover 1.00.80.30.20.20.3·
Per Share 3
Metric Trend 2025202420232022202120202019
Revenue / Share $88.72$69.62$31.60$22.04$1.39··
Cash Flow / Share $12.08$11.58$-2.33$-14.94$-1.62··
EPS (TTM) $2.36$1.83$-10.24$-21.11$-37.76$-86.43·
Growth Rates 5
Metric Trend 2025202420232022202120202019
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 2025202420232022202120202019
Revenue TTM $1.52B$1.18B$455M$311M$345M$347M·
Net Income TTM $40M$31M$-147M$-298M$-521M$-363M·
P/E 30.639.7-1.0-0.2-1.5-3.3·
Earnings Yield 3.3%2.5%-97.7%-470.2%-67.7%-30.6%·

Most recent period on the left · null values shown as ·

Financial Statements Income statement, balance sheet, cash flow — annual, last 5 years

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Metric 2025-12-312024-12-312023-12-312022-12-312021-12-31
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

Institutional owners (13F) 185 filers · $556.8M total · As of Sept. 30, 2026

17

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.

Holders 185
Value held $556.8M
New positions 41
Exited positions 23
Institutional activity — Q2 2026 vs prior quarter
New positions Exited positions Increased Decreased Net shares change
41 (+7 vs prior Q) 23 (-28 vs prior Q) 63 (+11 vs prior Q) 39 (-3 vs prior Q) -267K

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 12.38% Shares
BlackRock, Inc. $64,266,759 1,149,263 11.54% Shares
VANGUARD GROUP INC $52,230,741 723,117 9.38% Shares
VANGUARD CAPITAL MANAGEMENT LLC $29,543,487 528,317 5.31% Shares
FINDELL CAPITAL MANAGEMENT LLC $25,723,200 460,000 4.62% Shares
GEODE CAPITAL MANAGEMENT, LLC $19,317,705 345,379 3.47% Shares
STATE STREET CORP $16,259,970 290,772 2.92% Shares
Galileo (PTC) Ltd $14,129,250 252,669 2.54% Shares
RENAISSANCE TECHNOLOGIES LLC $13,716,114 245,281 2.46% Shares
BOOTHBAY FUND MANAGEMENT, LLC $11,364,845 203,234 2.04% Shares
Quinn Opportunity Partners LLC $9,572,162 171,176 1.72% Shares
SUSQUEHANNA INTERNATIONAL GROUP, LLP $9,036,672 161,600 1.62% Put option
Tairen Capital Ltd $8,991,824 160,798 1.61% Shares
Dragoneer Investment Group, LLC $8,629,574 154,320 1.55% Shares
MORGAN STANLEY $8,288,743 148,225 1.49% Shares
GOLDMAN SACHS GROUP INC $8,069,591 144,306 1.45% Shares
CITADEL ADVISORS LLC $8,030,112 143,600 1.44% Put option
NORTHERN TRUST CORP $6,729,077 120,334 1.21% Shares
CITADEL ADVISORS LLC $6,257,448 111,900 1.12% Call option
CHARLES SCHWAB INVESTMENT MANAGEMENT INC $6,110,378 109,270 1.10% Shares
VANGUARD PORTFOLIO MANAGEMENT LLC $5,982,489 106,983 1.07% Shares
BANK OF AMERICA CORP /DE/ $5,900,902 105,524 1.06% Shares
SUSQUEHANNA INTERNATIONAL GROUP, LLP $5,815,680 104,000 1.04% Call option
VANGUARD FIDUCIARY TRUST CO $5,435,480 97,201 0.98% Shares
JANE STREET GROUP, LLC $5,004,448 89,493 0.90% Shares
BNP PARIBAS FINANCIAL MARKETS $4,910,783 87,818 0.88% Shares
CITADEL ADVISORS LLC $4,898,480 87,598 0.88% Shares
DIMENSIONAL FUND ADVISORS LP $4,879,608 87,223 0.88% Shares
UBS Group AG $4,631,629 82,826 0.83% Shares
TUDOR INVESTMENT CORP ET AL $4,462,696 79,805 0.80% Shares
WOLVERINE TRADING, LLC $4,337,100 47,400 0.78% Call option
Capital Research Global Investors $4,335,645 77,533 0.78% Shares
SUSQUEHANNA INTERNATIONAL GROUP, LLP $4,328,376 77,403 0.78% Shares
WOLVERINE TRADING, LLC $3,987,479 43,579 0.72% Shares
WOLVERINE TRADING, LLC $3,916,200 42,800 0.70% Put option
CALIFORNIA STATE TEACHERS RETIREMENT SYSTEM $3,897,736 69,702 0.70% Shares
Walleye Trading LLC $3,858,480 69,000 0.69% Put option
CITIGROUP INC $3,338,592 59,703 0.60% Shares
TWO SIGMA INVESTMENTS, LP $2,978,467 53,263 0.53% Shares
CANNELL CAPITAL LLC $2,926,350 52,331 0.53% Shares
BARCLAYS PLC $2,902,639 51,907 0.52% Shares
Jump Financial, LLC $2,714,189 48,537 0.49% Shares
MARSHALL WACE, LLP $2,704,905 48,371 0.49% Shares
HB Wealth Management, LLC $2,650,384 47,396 0.48% Shares
JANE STREET GROUP, LLC $2,482,848 44,400 0.45% Call option
MILLENNIUM MANAGEMENT LLC $2,443,480 43,696 0.44% Shares
AQR CAPITAL MANAGEMENT LLC $2,393,266 42,798 0.43% Shares
JPMORGAN CHASE & CO $2,337,718 40,494 0.42% Shares
Bank of New York Mellon Corp $2,185,939 39,090 0.39% Shares
JANE STREET GROUP, LLC $1,834,176 32,800 0.33% Put option

Show all 185 institutional owners →

Activists & 5%+ owners 4 positions

18

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 Co., Carvana Co. Sub LLC, Carvana Group, LLC Sept. 2, 2026 5.40% Amendment · SEC
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.

Company insiders 27 insiders · 9 officers · 11 directors

19
Insider Role Last activity Shares owned Buys 12m Sells 12m Net 12m
Alexander E. Timm Chief Executive Officer April 1, 2026 M 275,304 0 1 $-525,888
Megan Binkley Chief Financial Officer Aug. 21, 2026 G 112,317 0 0 $0
Robert H. Bateman Chief Financial Officer April 11, 2022 A 653,416 0 0 $0
Mahtiyar Bonakdarpour President and CTO April 1, 2026 M 372,519 0 1 $-477,250
Ryan Forish Chief Accounting Officer Sept. 21, 2026 F 23,444 0 0 $0
Jonathan Allison Chief Administrative Officer May 15, 2026 S 68,356 0 10 $-1,512,497
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 1 $-593,287
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
Carvana Group, LLC 10% owner Aug. 31, 2026 J · 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

ETF ownership Held by 22 ETFs

20

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
ESSC · Strategy Shares 0.10% 692 NS July 31, 2026 N-PORT
IWO · iShares Trust 0.04% 120,986 SH Sept. 11, 2026 Daily
VTWG · VANGUARD SCOTTSDALE FUNDS 0.04% 13,813 SH Aug. 19, 2026 Daily
IWM · iShares Trust 0.02% 335,289 SH Sept. 11, 2026 Daily
RSSL · Global X Funds 0.02% 6,167 NS July 31, 2026 N-PORT
ISCG · iShares Trust 0.02% 3,731 SH Sept. 11, 2026 Daily
VTWO · VANGUARD SCOTTSDALE FUNDS 0.02% 74,100 SH Aug. 19, 2026 Daily
DFAS · Dimensional ETF Trust 0.01% 29,819 NS July 31, 2026 N-PORT
VXF · VANGUARD INDEX FUNDS 0.01% 161,244 SH Aug. 19, 2026 Daily
VFH · VANGUARD WORLD FUND 0.01% 18,059 SH Aug. 19, 2026 Daily
FNCL · FIDELITY COVINGTON TRUST 0.01% 3,232 NS July 31, 2026 N-PORT
WSML · iShares Trust 0.01% 692 SH Sept. 11, 2026 Daily
TILT · FlexShares Trust 0.00% 810 NS July 31, 2026 N-PORT
DXUV · Dimensional ETF Trust 0.00% 177 NS July 31, 2026 N-PORT
DCOR · Dimensional ETF Trust 0.00% 767 NS July 31, 2026 N-PORT
ITOT · iShares Trust 0.00% 18,744 SH Sept. 11, 2026 Daily
IWV · iShares Trust 0.00% 2,095 SH Sept. 11, 2026 Daily
VTI · VANGUARD INDEX FUNDS 0.00% 355,362 SH Aug. 19, 2026 Daily
VTHR · VANGUARD SCOTTSDALE FUNDS 0.00% 1,011 SH Aug. 19, 2026 Daily
IAK · iShares Trust · 7,502 SH Sept. 11, 2026 Daily
ISCB · iShares Trust · 550 SH Sept. 11, 2026 Daily
SMLF · iShares Trust · 40,327 SH Sept. 11, 2026 Daily

ROOT Analyst Consensus Bullish and bearish analyst opinions, 12-month price target, upside

21
rating · 12 analysts BUY
Median target $58.00 +25.4%
2 16.7% Strong Buy
4 33.3% Buy
6 50.0% Hold
0 0.0% Sell
0 0.0% Strong Sell

12-Month Price Target

5 analysts · 2026-10-04

Mean target $60.20 +30.1%

← Below all targets Current price $46.26
Low$50.00 Mean$60.20 High$80.00

Peer comparison (GICS sub-industry) Key metrics vs sector peers

22

FY basis, prices as of each company's last fiscal year-end close.

Ticker Market Cap P/E Rev YoY Net Margin ROE Gross Margin
ROOT · 30.6 28.9% 2.7% 15.2% ·
BOW $936M 17.9 29.6% 9.8% 13.1% ·
TRUP $1.62B 83.0 11.9% · · ·
HRTG $902M 4.6 3.7% 23.1% 44.0% ·
EIG $878M 93.8 -2.5% 1.3% 1.1% ·
HIPO $773M 13.5 25.9% 12.3% 14.5% ·
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% ·
ACIC $616M 5.9 13.1% 31.9% 35.0% ·

My Metrics Your personal watchlist — selected rows from Full Fundamentals

26

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Source: SEC 10-Q filed Aug 5, 2026