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Stocks · Financials · Fire, Marine & Casualty Insurance

Root, Inc.

ROOT Clue Score55
United States Fiscal year ends December CIK 0001788882
$49.13 +1.17% Close, 9 Oct 2026
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Price $49.13 +890.52% Close, 9 Oct 2026

Closing prices at the end of each trading day, from 28 Oct 2020. Not a live quote. Adjusted for share splits, so the line has no step at a split; dividends are not added back. P/E and P/FCF are the market value over the last full fiscal year's net income or free cash flow, as public on each day, so they step once a year when the annual report comes out. A hatched band marks a stretch with none: a year of net loss, or of cash burnt.

Revenue and profit

What the business sells, and what is left of it. Point at a year for the detail.
RevenueOperating incomeNet income
Fiscal year 2018Revenue43.3Net income−69.1Fiscal year 2019Revenue290.2 +570.2%Operating income−260.1Net income−282.4EPS, diluted−8.33Fiscal year 2020Revenue346.8 +19.5%Operating income−285.3Net income−363.0EPS, diluted−86.43Fiscal year 2021Revenue345.4 −0.4%Operating income−485.2Net income−521.1EPS, diluted−37.76Fiscal year 2022Revenue310.8 −10.0%Operating income−263.1Net income−297.7EPS, diluted−21.11Fiscal year 2023Revenue455.0 +46.4%Operating income−101.3Net income−147.4EPS, diluted−10.24Fiscal year 2024Revenue1,176.5 +158.6%Operating income78.5Net income30.9EPS, diluted1.83Fiscal year 2025Revenue1,517.1 +29.0%Operating income61.8Net income40.3 +30.4%EPS, diluted2.36
FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Revenue 43.3 290.2 346.8 345.4 310.8 455.0 1,176.5 1,517.1
Growth +570.2% +19.5% −0.4% −10.0% +46.4% +158.6% +29.0%
Operating income n/a −260.1 −285.3 −485.2 −263.1 −101.3 78.5 61.8
Net income −69.1 −282.4 −363.0 −521.1 −297.7 −147.4 30.9 40.3
Growth +30.4%
EPS, diluted n/a −8.33 −86.43 −37.76 −21.11 −10.24 1.83 2.36

Margins

How much of each dollar of revenue it keeps. Point at a year for the detail.
Operating marginNet margin
Fiscal year 2018Net margin−159.6%Free cash flow margin−63.0%Fiscal year 2019Operating margin−89.6%Net margin−97.3%Free cash flow margin−46.1%Fiscal year 2020Operating margin−82.3%Net margin−104.7%Free cash flow margin−83.3%Fiscal year 2021Operating margin−140.5%Net margin−150.9%Free cash flow margin−118.1%Fiscal year 2022Operating margin−84.7%Net margin−95.8%Free cash flow margin−67.8%Fiscal year 2023Operating margin−22.3%Net margin−32.4%Free cash flow margin−7.4%Fiscal year 2024Operating margin6.7%Net margin2.6%Free cash flow margin16.6%Fiscal year 2025Operating margin4.1%Net margin2.7%Free cash flow margin13.6%
FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Operating margin n/a −89.6% −82.3% −140.5% −84.7% −22.3% 6.7% 4.1%
Net margin −159.6% −97.3% −104.7% −150.9% −95.8% −32.4% 2.6% 2.7%
Free cash flow margin −63.0% −46.1% −83.3% −118.1% −67.8% −7.4% 16.6% 13.6%

Cash flow

The cash the business makes, what it reinvests, and what it hands back. Point at a year for the detail.
Operating cash flowCapital expenditureFree cash flow
Fiscal year 2018Operating cash flow−26.1Capital expenditure−1.2Free cash flow−27.3Buybacks0.0Fiscal year 2019Operating cash flow−127.2Capital expenditure−6.6Free cash flow−133.8Buybacks0.0Fiscal year 2020Operating cash flow−287.2Capital expenditure−1.8Free cash flow−289.0Buybacks−0.2Fiscal year 2021Operating cash flow−403.4Capital expenditure−4.6Free cash flow−408.0Buybacks0.0Fiscal year 2022Operating cash flow−210.6Capital expenditure0.0Free cash flow−210.6Buybacks0.0Fiscal year 2023Operating cash flow−33.6Capital expenditure−0.2Free cash flow−33.8Fiscal year 2024Operating cash flow195.7Capital expenditure−0.4Free cash flow195.3Fiscal year 2025Operating cash flow206.5Capital expenditure0.0Free cash flow206.5 +5.7%
FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Operating cash flow −26.1 −127.2 −287.2 −403.4 −210.6 −33.6 195.7 206.5
Capital expenditure −1.2 −6.6 −1.8 −4.6 0.0 −0.2 −0.4 0.0
Free cash flow −27.3 −133.8 −289.0 −408.0 −210.6 −33.8 195.3 206.5
Growth +5.7%
Buybacks 0.0 0.0 −0.2 0.0 0.0 n/a n/a n/a

Balance sheet

What it holds against what it owes, at each year end. Point at a year for the detail.
CashTotal debt
Fiscal year 2018Cash122.3Shareholders’ equity−102.7Fiscal year 2019Cash391.7Total debt192.2Net cash (debt)199.5Shareholders’ equity−374.0Fiscal year 2020Cash1,112.8Total debt188.2Net cash (debt)924.6Shareholders’ equity1,031.4Debt to equity0.18Fiscal year 2021Cash706.0Total debt0.0Net cash (debt)706.0Shareholders’ equity536.4Debt to equity0.00Fiscal year 2022Cash762.1Total debt295.4Net cash (debt)466.7Shareholders’ equity277.1Debt to equity1.07Fiscal year 2023Cash678.7Total debt299.0Net cash (debt)379.7Shareholders’ equity165.7Debt to equity1.80Fiscal year 2024Cash599.3Total debt200.1Net cash (debt)399.2Shareholders’ equity203.7Debt to equity0.98Fiscal year 2025Cash669.3Total debt200.3Net cash (debt)469.0Shareholders’ equity284.3Debt to equity0.70
FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Cash 122.3 391.7 1,112.8 706.0 762.1 678.7 599.3 669.3
Total debt n/a 192.2 188.2 0.0 295.4 299.0 200.1 200.3
Net cash (debt) n/a 199.5 924.6 706.0 466.7 379.7 399.2 469.0
Shareholders’ equity −102.7 −374.0 1,031.4 536.4 277.1 165.7 203.7 284.3
Debt to equity n/a n/a 0.18 0.00 1.07 1.80 0.98 0.70

In millions of USD, except per-share figures and ratios. Fiscal years, as last filed with the SEC.

Financial statements FY2025 · 10-K

Ratios

Percentages worked out from the filed figures; debt to equity in times. Fiscal years ending December, each column as last filed with the SEC.
Click a line to chart it
Fiscal year FY2018 31 Dec 2018 FY2019 31 Dec 2019 FY2020 31 Dec 2020 FY2021 31 Dec 2021 FY2022 31 Dec 2022 FY2023 31 Dec 2023 FY2024 31 Dec 2024 FY2025 31 Dec 2025
Margins
n/a −89.6% −82.3% −140.5% −84.7% −22.3% 6.7% 4.1%
−159.6% −97.3% −104.7% −150.9% −95.8% −32.4% 2.6% 2.7%
−159.6% −97.3% −104.7% −150.9% −95.8% −32.4% 2.6% 2.7%
−63.0% −46.1% −83.3% −118.1% −67.8% −7.4% 16.6% 13.6%
Spending
21.5% 14.8% 22.6% 28.3% 41.0% 18.3% 5.9% 6.4%
2.8% 2.3% 0.5% 1.3% 0.0% 0.0% 0.0% 0.0%
n/a n/a n/a n/a n/a n/a 0.0% 1.2%
Returns
n/a n/a −35.2% −97.1% −107.4% −89.0% 15.2% 14.2%
n/a −38.8% −20.6% −39.5% −22.7% −10.9% 2.1% 2.4%
Balance and payout
n/a n/a 0.18 0.00 1.07 1.80 0.98 0.70
n/a 74.4% 41.4% 50.9% 70.4% 79.4% 78.9% 76.3%