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Root

NSQ:ROOT · US77664L2079
InsuranceSmall

360

37
EV / EBIT39
Price / Owner Earnings20
Owner Earnings Yield76
Dividend Yield1
Price/Sales95
EV / Gross Profit97
Price/Book16
Returns on capital—
Profit margins17
Cash Conversion88
Accruals51
Sales growth51
Profit Growth11
Long-Term EPS Growth19
Reinvestment97
Price momentum5
Debt load15
Debt serviceability50
Liquidity20
Analyst ratings36
Opinion Changes50
Price Target Upside87
Market mood31
Value Creation17/20strong value creator
  • Creates more value than its capital costs
  • Owner earnings growing
  • Owner earnings per share growing
  • Reinvests at strong returns
  • Solid earnings base

What this means

Root generates returns well above its cost of capital, the foundation of durable shareholder value.

Based on 3/5 components.

Profile

CountryUSA
IndustryInsurance
SizeSmall
TypePublic Company
ExchangeNASDAQGS
Founded2015
Employees1,028
Websitejoinroot.com
ISINUS77664L2079
Last UpdateApr 2, 2026
Indices
NASDAQ (USA)
Themes
InsurtechAuto InsuranceAutomotiveInsuranceInsurTechProperty Insurance

Description

Root, Inc. is a technology insurance company. The company is revolutionizing the archaic car insurance industry by using modern technology, data science, and telematics to offer fair, personalized rates to good drivers. The company primarily reaches…

Analysis

Hope premium

Root, Inc. is priced well ahead of what the underlying numbers justify, a pattern we describe as a hope premium.

Valuation data is not available for this company.

Growth is solid; the safety picture is adequate. The company scores 17/20 on our value-creation score: strong value creator.

No flags apply to this company at this time: accounts, balance sheet, and cash quality all pass. A clean bill of health is meaningful, not just the absence of a warning. This analysis describes numbers; it is not investment advice.

360° rank · history

1007550250
1
2023202420252026

All-time high

34

Jan 2025

All-time low

1

Jun 2026

Average rank

15

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023
Price/Sales
95
35
97
19
Price/Earnings
10
81
81
4
Price/Book
16
3
76
56
Dividend Yield
1
1
1
1
Value (overall)
14
15
52
25

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View
1 · Watch OutGood· 100
Value
1 · ExpensiveGood Value· 100
Quality
1 · Weak FundamentalsHigh Quality· 100
Growth
1 · Tough TimesHigh Growth· 100
Safety
1 · High LeverageWell-Financed· 100
Sentiment
1 · SkepticismPositive· 100
Learn More →