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ROOT INC CLASS A (ROOT)

Financials · Property and Casualty Insurance · NASDAQ

A tech-first, full-stack auto insurer that uses telematics and behavioral data to replace traditional demographic-based pricing models.

What ROOT INC CLASS A does

Root is a technology-driven insurance company that primarily offers auto insurance by utilizing telematics, data science, and mobile technology to price policies based on individual driving behavior rather than traditional demographic factors. The company operates a full-stack, cloud-based platform that integrates the entire insurance value chain, including customer acquisition, underwriting, policy administration, and claims processing. Its business is supported by both a direct-to-consumer channel and partnerships with automotive, financial services, and independent agent sectors.

Recent developments

The company has significantly reduced its reliance on external quota share reinsurance as part of a strategic effort to improve unit economics and optimize capital efficiency. It continues to iterate on pricing models by incorporating enhanced telematics features and new rating variables to strengthen risk selection.

From ROOT INC CLASS A's filing of 2026-08-05.

Themes: InsureTech, Telematics / Usage-based insurance, AI / Machine learning in underwriting, Embedded finance / insurance, Data-driven risk assessment

Fundamentals

  • Price$48.56 as of 2026-10-08 close
  • Market cap$752M as of 2026-07-29 (share count; price 2026-10-08)
  • 1-year return-40.6% 2025-10-08 close $81.73 → 2026-10-08 close $48.56
  • P/E13.47 as of 2026-10-08
  • Net margin+2.7% FY2025, SEC XBRL
  • ROE+14.2% FY2025, SEC XBRL
  • Debt / equity0.45 as of 2026-09-02
  • Revenue growth (YoY)+15.2% as of 2026-09-02
  • Revenue CAGR (3y)+69.6% SEC XBRL
  • Beta1.82 as of 2026-09-02
  • Last reported earnings2026-08-05 SEC EDGAR Form 8-K (Item 2.02)

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How ROOT compares in its sector

  • price-to-earnings ratiomiddle range 513 covered Financials peers, as of 2026-10-08
  • net profit marginbottom 25% 344 covered Financials peers, as of 2026-09-02
  • operating marginbottom 25% 122 covered Financials peers, as of 2026-09-02
  • return on equitytop 25% 559 covered Financials peers, as of 2026-09-02
  • 3-year revenue CAGRtop 10% 347 covered Financials peers
  • free cash flow (absolute dollars, latest fiscal year)middle range 430 covered Financials peers, as of FY2025

Position among covered Financials companies that report each metric (minimum 5 peers). A relative position within our covered catalog — not a valuation, quality, or investment judgment. A higher percentile is simply a higher value (for P/E, more expensive on earnings — never "better"). Informational only.

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How ROOT INC CLASS A looks technically

ROOT INC CLASS A (ROOT) is trading 13.5% below its 200-day average, the long-term trend line — a long-term downtrend. Its 50-day average crossed below its 200-day average about 280 trading days ago — a "death cross", a bearish long-term signal. A strong downtrend is in place — ADX, a 0–100 trend-strength gauge, is 32, with sellers in control. Momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 45, neither overbought (above 70) nor oversold (below 30). MACD, a trend-momentum gauge, turned bullish about 2 trading days ago (its momentum flipped positive). It made a new 20-day low about 8 trading days ago. It is 46.6% below its highest point of the past year.

Trend

8
Distance from the 200-dayit is trading 13.5% below its 200-day average, the long-term trend line — a long-term downtrend-13.5%
50-day moving averageits average price over the last 50 trading days — a short-term trend line — is $52.30$52.30
200-day moving averageits average price over the last 200 trading days — the long-term trend line — is $56.13$56.13
Swing structureeach recent peak has been lower than the one before it and each dip deeper — the pattern chart-watchers call a downtrend, which describes where price has already been and not where it goes nextlower highs and lower lows
Last swing turnits last significant turn was a swing low 7 calendar days ago — the swings before that are what the structure reading is measured on7 sessions
Wave structureits recent swings can be read as a completed three-part downward correction — a pullback in the A-B-C shape Elliott-wave chartists use; the labelling fails if price closes below 45.04. It is the only labelling that fits, though not with textbook proportions, and it describes the swings already printed, not what comes next.possible three-wave downward correction, complete (atypical proportions)
Since the 50/200 crossits 50-day average crossed below its 200-day average about 280 trading days ago — a "death cross", a bearish long-term signal280 sessions
Trend strength (14-day ADX)a strong downtrend is in place — ADX, a 0–100 trend-strength gauge, is 32, with sellers in control31.5

Momentum

3
14-day RSImomentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 45, neither overbought (above 70) nor oversold (below 30)45.2
Position in its 14-day rangeit is trading in the upper half of its 14-day range ($45.04 to $50.66) — its "stochastic" reading is 63 out of 100, where 0 would mean closing exactly at the 14-session low and 100 exactly at the high. This measures WHERE the price sits inside its recent range, which is a different question from the RSI beside it: RSI is a momentum gauge, measuring how FAST the price has been moving, so a stock can drift quietly to the bottom of its range with an ordinary RSI, or fall sharply and still sit in the middle. It has been climbing within that range over the last few sessions.62.6
Since the MACD crossed zeroMACD, a trend-momentum gauge, turned bullish about 2 trading days ago (its momentum flipped positive)2 sessions

Range

12
52-week highits highest closing price over the past year (about 252 trading days) was $91.00$91.00
From the 52-week highit is 46.6% below its 52-week high (its highest price of the past year)-46.6%
Above the 52-week lowit is 18.7% above its 52-week low (its lowest price of the past year)+18.7%
Below the 52-week highit is 46.6% below its highest point of the past year46.6%
Since a 20-day breakoutit made a new 20-day low about 8 trading days ago8 sessions
Since a 55-day breakoutit made a new 55-day low about 8 trading days ago8 sessions
All-time highits highest closing price on record is $530.64 (set on 2020-10-28)$530.64
Given back of the 52-week moveover the past year its closes ranged ($43.21 to $90.86), and it has recovered only a small part of its fall from last year’s high — 11% of it. Chart-watchers call 61.8%-65% given back the "golden pocket" — for this company that is $72.66 to $74.18. It is watched widely enough that orders cluster there, which is the honest reason it matters; it is not a forecast.11.2%
From the all-time highit is 90.8% below its all-time high-90.8%
Nearest price levelit is trading 0.9% above a support level at $48.13 — a price it turned at three times since 2026-03-17, most recently on 2026-06-17. Since 2024-10-08 it has 2 such levels below the current price and 10 above. Levels like these describe where the price has reversed or paused before; they are not a forecast of where it will go.-0.9%
All-time lowits lowest closing price on record is $3.31 (set on 2023-03-15)$3.31
Above the all-time lowit is 1367.1% above its all-time low+1,367%

Volatility

5
Band width vs its own 6 monthsday-to-day price swings are about average versus its own recent 6-month history51st percentile
Typical daily rangein a typical session it travels about $1.89 between its high and its low — about 3.9% of its price. That is its "average true range" over the last 14 sessions, which also counts the distance from the previous close, so a day that opens well away from yesterday counts as the large move it was$1.89
Bollinger bands (20-day, ±2σ)most of its recent trading has stayed between about $43.56 and $54.14 — the "Bollinger bands", a range drawn two standard deviations either side of its 20-day average price, which widens when the stock gets more volatile and narrows when it settles$43.56 – $48.85 – $54.14
Typical daily range (% of price)its price moves about 3.9% in a typical session — about typical for the companies we cover. This is the average gap between a session's high and low over the last 14 sessions, counting overnight moves, expressed against the current price so it can be compared with companies trading at any price3.9%
Stretch from the 200-day averageit is trading 4.0 daily ranges below its 200-day average price (13.5% below it in plain percentage terms) — a way of asking how far it has stretched from its own average in units of how far it normally moves in a day, so a calm company and a jumpy one can be compared on the same scale4.0 daily ranges below its 200-day average

Volume

1
Volume vs its 30-day averagetrading volume is about normal versus its 30-day average1.65×

Analyst

2
Change in the average price targetanalysts' average price target is unchanged from the prior reading0.0%
Change in the consensus ratingnot available for this company yetn/a

Candlestick patterns

3
Since a doji5 sessions ago it opened and closed at almost the same price after trading through a wider range — a "doji", the classic picture of buyers and sellers finishing the session level5 sessions ago
Since a hammer5 sessions ago, after a stretch of decline, it sold off hard during the session and then closed back near its high — a "hammer", the long lower wick showing the drop was bought back before the close5 sessions ago
Since a bullish engulfing1 session ago it opened below the previous session's close and finished above that session's open — a "bullish engulfing" pair, where one up day more than undid the down day before it1 session ago

Price gaps

3
Gap at the openit opened on 2026-10-08 at essentially the same price it closed at the session before — no meaningful overnight gap0.0%
Open gapit gapped 22.0% below the previous close 44 sessions ago and has not traded back through the level it left behind at 60.28 — an "unfilled gap", which describes a price range no trade has since crossed and is not a forecast that it will be crossed-22.0%
Gap filleda 2.0% gap down opened on 2026-09-10 has been "filled" 20 sessions ago — price traded back through the level the gap left behind, and it closed again during the very session that opened it20 sessions ago

Price streaks

1
Closing streakit has closed higher 2 sessions in a row, a +2.95% move over the run — an unbroken run of up days, which describes what has already happened and says nothing about the next session2 sessions up

Relative strength

4
vs market, 1 monthover the past 1 month this stock lagged the market by 12.2 percentage points (the stock lost 11.1% while the market gained 1.0%)-12.2%
vs market, 3 monthsover the past 3 months this stock lagged the market by 30.5 percentage points (the stock lost 26.7% while the market gained 3.8%)-30.5%
vs market, 6 monthsover the past 6 months this stock lagged the market by 9.2 percentage points (the stock gained 8.3% while the market gained 17.5%)-9.2%
vs market, 12 monthsover the past 12 months this stock lagged the market by 55.6 percentage points (the stock lost 40.6% while the market gained 15.0%)-55.6%

Signal agreement

2
Bullish technical signals1 of the 9 technical signals we can compute for it is currently in a bullish state: MACD momentum is positive — these describe past price behaviour, not a forecast1 of 9
Bearish technical signals5 of the 9 technical signals we can compute for it are currently in a bearish state: a "death cross" — its 50-day average is below its 200-day, trading below its 200-day average, a strong downtrend, with sellers in control, lagging the market over 6 months, trading below the Ichimoku cloud — these describe past price behaviour, not a forecast5 of 9

Trend (Ichimoku cloud)

1
Vs the Ichimoku cloudtrading 11% below the Ichimoku cloud — a band drawn from where its own highs and lows sat up to 2026-09-01 and projected forward over today's price, the side traders read as an established downtrend, with the band above acting as the level that would have to be cleared. The band itself is moderate, spanning 3.1% of the share price.-11.4%

Volume-weighted price

2
Vs this year’s average price paidthe price is 12% below the average price paid so far this year, so the typical buyer over that stretch is under water. That average is $55.13 — a volume-weighted average of daily closes over 192 sessions, not a true tick-by-tick VWAP.-11.9%
Vs the average paid since it last reportedthe price is 6% below the average price paid since it last reported on 2026-08-05 (its 10-Q), so the typical buyer over that stretch is under water. That average is $51.55 — a volume-weighted average of daily closes over 46 sessions, not a true tick-by-tick VWAP.-5.8%

Price levels it has turned at before

ROOT last closed at $48.56 on 2026-10-08. Since 2024-10-08 it has turned at 2 prices below its last close and 10 above; the 2 nearest below and the 3 nearest above are listed, nearest first.

LevelSideDistanceEvidence
$48.13Support0.9% below the last closeturned there three times · 2026-03-17 to 2026-06-17
$51.00Resistance5.0% above the last closeturned there twice · 2026-04-29 to 2026-06-01
$45.09Support7.2% below the last closeturned there twice · 2026-08-06 to 2026-10-01
$55.53Resistance14.3% above the last closeturned there twice · 2026-02-11 to 2026-07-16
$58.38Resistance20.2% above the last closeturned there three times · 2026-04-27 to 2026-08-27

A level is a price this company reversed or paused at more than once — they describe past behaviour, not a forecast of where the price will go.

Wave structure

Its recent swings can be read as a three-part downward correction — the A-B-C shape chartists use for a pullback — now complete.

This labelling fails — stops being a possible reading at all — if it closes below $45.04.

It is the only labelling that fits these swings, though its proportions are not the textbook ones.

This reading has stood for 1 trading day, since 2026-10-08.

Read from daily closes as of 2026-10-08.

An Elliott-wave count describes the swings already printed and the level that would disprove it. It is not a forecast, a target, or advice.

Based on daily closing prices as of 2026-10-08. Describes past price behavior only — informational, not financial advice.

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Analyst consensus

  • Mean price target$60.20 range $50.00 – $80.00; median $58.00

Analyst estimates, as of 2026-10-05. These are third-party analyst opinions and price targets, aggregated — not a recommendation, prediction, or advice from stocks-llm. Informational only.

Analyst EPS estimate for ROOT

  • Consensus EPS estimate$0.45 next reporting period, as of 2026-10-05
  • Estimate change, 30 days$0.00 (0.0%) from $0.45, on 2026-08-31, 35-day window
  • Readings revised upward0% of 8 comparable readings

The consensus estimate for the next reporting period, and how it has moved between readings of that SAME period. A change is measured only between readings estimating one period — when a company reports, the consensus moves to the next quarter and the two numbers are not comparable. Informational only, not a forecast and not advice.

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Key risks (from latest filing)

["High geographic concentration of customers in Texas, Georgia, Florida, and California, making the company susceptible to regional catastrophic events.","Regulatory and legal risks associated with evolving data privacy and cybersecurity laws, including CCPA and CPRA compliance.","Dependency on reinsurance structures to manage capital efficiency and risk exposure, with potential for increased capital requirements if retention levels change."]

See ROOT's biggest risks from its latest 10-Q →

What changed in the latest 10-Q

AI-assisted comparison of ROOT's 10-Q filed 2026-05-06 against the prior one filed 2025-11-05.

Management's Discussion & Analysis (MD&A)

  • Added:
    • Added reference to '2025 10-K' filed February 25, 2026 (newer filing)
    • Added phrase 'telematics, and data science' in opening business description (newer filing)
    • Added statement about competitive advantage being 'uniquely integrated into a single cloud-based technology platform that captures the entire insurance value chain' with emphasis on 'defensible, technology- and data-driven advantage that compounds over time' (newer filing)
    • Added phrase 'via our two distribution channels: direct and partnership' when discussing scale strategy (newer filing)
    • Added detail about data science model optimizing 'bidding strategies that fine tunes our prices' (newer filing)
    • Added extensive paragraph about claims operations investment, automation, workflow optimization, and analytical tools (newer filing)
    • Added phrase 'Through continued investment in and diversification of our distribution channels' opening new paragraph (newer filing)
    • Added specific statement 'We primarily utilize reinsurance to mitigate the impact of large losses or tail events' with period at end (newer filing)
    • Added reference to 'geopolitical instability' as source of economic uncertainty (newer filing)
  • Removed:
    • Removed reference to '2024 10-K' filed February 26, 2025 (older filing)
    • Removed phrase 'using mobile technology and data science' from opening business description (older filing)
    • Removed phrase 'The Root advantage is derived from our unique ability' - replaced with 'We believe our competitive advantage is derived from our ability' (older filing)
    • Removed phrase 'to ongoing customer engagement' - changed to 'and ongoing customer engagement' (older filing)
    • Removed phrase 'by capitalizing on our two distribution channels' (older filing)
    • Removed phrase 'meeting customers in platforms that they use extensively while actively shopping for insurance such as' (older filing)
    • Removed phrase 'and achieve target lifetime unit economics' - simplified to 'and achieving target unit economics' (older filing)
    • Removed phrase 'We use technology to drive efficiency across all functions' - changed to 'We use technology to drive efficiency across the organization within' (older filing)
    • Removed phrase 'We believe our data- and technology-driven approach to pricing and underwriting allows for rapid response to macroeconomic trends and volatility through quick, appropriate rate actions aided by segmenting individual risk based on complex behavioral data and proprietary telematics models' (older filing)
    • Removed entire paragraph about 'Through continued development of machine-learning loss models' through 'cost-to-serve advantage' (older filing)
    • Removed phrase 'Although we believe we are priced adequately in a majority of the states in which we operate, our technology- and data-driven approach to pricing and underwriting allows for rapid response' replaced with simpler language (older filing)
    • Removed phrase 'we are positioned us for sustainable' - corrected to 'will position us for a sustainable' (older filing)
    • Removed phrase 'Economic instability has led to acute inflationary pressures' - replaced with 'Changing global economic conditions have led to inflationary pressures' (older filing)
    • Removed phrase 'changes in equity markets' - replaced with 'volatility in equity markets' (older filing)
    • Removed phrase 'In addition, economic uncertainty has developed as a result of changes in tariff policy, including the imposition of new or retaliatory tariffs. There remains uncertainty around the future of inflation, including as a result of new or increased tariffs' (older filing)
    • Removed phrase 'Additionally, we continue to file' - replaced with 'We continue to file' (older filing)
  • Reworded:
    • Changed 'for the year ended December 31, 2024 filed with the Securities and Exchange Commission on February 26, 2025' to 'for the year ended December 31, 2025 filed with the Securities and Exchange Commission on February 25, 2026' (reference year update)
    • Changed 'We believe the Root advantage is derived from our unique ability' to 'We believe our competitive advantage is derived from our ability' (emphasis change from 'Root advantage' and 'unique ability' to 'competitive advantage' and 'ability')
    • Changed 'to ongoing customer engagement' to 'and ongoing customer engagement' (conjunction change)
    • Changed 'by capitalizing on our two distribution channels' to 'via our two distribution channels' (preposition change)
    • Changed 'meeting customers in platforms that they use extensively while actively shopping for insurance such as search engines' to 'reaching them where they are already shopping for insurance, such as search engines' (phrasing restructure)
    • Changed 'and achieve target lifetime unit economics' to 'and achieving target unit economics' (removed 'lifetime')
    • Changed 'We use technology to drive efficiency across all functions, including distribution, underwriting, policy administration and claims in particular' to 'We use technology to drive efficiency across the organization within distribution, underwriting, policy administration, and claims' (restructure and emphasis on claims moved)
    • Changed language about competitive dynamics from 'aided by segmenting individual risk based on complex behavioral data and proprietary telematics models' to 'through quick, timely, and appropriate rate actions' (different emphasis)
    • Changed 'gross loss ratio has stabilized' to 'gross loss ratios have stabilized' (singular to plural)
    • Changed 'mitigate impact of large losses' to 'mitigate the impact of large losses' (added 'the')
    • Changed tariff policy discussion from 'including the imposition of new or retaliatory tariffs' to 'and changes in tariff policy' (simplified reference to tariffs)
    • Changed inflation uncertainty language by removing specific reference to tariffs as cause
  • Notes:
    • The two filings cover different fiscal periods (Q2 2026 vs. Q3 2025) and reference different annual reports, making direct year-over-year comparison of certain forward-looking elements not directly comparable
    • Some changes appear to reflect strategic messaging refinements rather than substantive business changes
    • The older filing text appears truncated at the end ('in accordance with accounting principles generally accepted in the U.S., or GAAP, we believe these non-GAAP'); newer filing also ends mid-sentence at 'In addition to our financial results prepared in', making full comparison of this section incomplete

AI-assisted comparison of two SEC filing sections. It describes wording and theme changes only, makes no materiality, legal, or investment judgement, and is not financial advice. Informational only — not financial advice.

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Insider activity (SEC Form 4)

No open-market insider purchases or sales recorded in the last 90 days, of which we have read Form 4 filings through 2026-10-04. The 5 days since 2026-10-04 have not been checked yet.

  • Last 180 days · read to 2026-10-040 buys · 2 sells ($184964) — 1 selling insider

Most recent open-market transaction: 2026-05-15. Based on Form 4 filings read through 2026-10-04; anything filed since is not yet included.

View full insider trading history → View SEC Form 3/4/5 filings

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Only open-market purchases (SEC code P) and sales (code S) are counted here. Option exercises, vesting/awards, gifts, and shares withheld for taxes are excluded — they are compensation or mechanical, not open-market conviction. Sales may be planned and non-discretionary (e.g. a Rule 10b5-1 plan) and are not necessarily bearish; open-market buying is not a recommendation to buy. Informational only — not financial advice.

Institutional ownership (13F)

5 institutional 13F filers reported holding ROOT as of 2026-06-30 (quarter-end position, filed within 45 days).

  • Distinct 13F filers 5
  • Reported shares held 2,373,224
  • Reported value $132,710,658

reported quarterly holdings change (2026-03-31 → 2026-06-30): 0 new, 5 increased, 0 decreased, 0 exited. Change counts cover only managers that filed 13F reports in BOTH quarters, derived between two quarter-end snapshots — not same-day trades; a single manager is never said to have "bought" or "sold".

Institutional holdings are quarter-end long positions reported on SEC Form 13F-HR, filed up to 45 days after the quarter ends — they are delayed, are not real-time trades, exclude short positions and most non-US securities, and are not investment advice. Any increase/decrease is a reported change between two quarterly snapshots, not a same-day purchase or sale. These are quarter-end snapshots from the 13F filings on SEC EDGAR, filed within 45 days — not real-time, and any change is a difference between two quarterly reports, not a same-day trade. Informational only — not financial advice.

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Short interest (FINRA)

ROOT had 1,833,185 shares of reported short interest as of the 2026-09-15 FINRA settlement date (delayed, bi-monthly; not real-time).

Short interest as a percent of shares outstanding is not shown for ROOT because we do not hold a verified share count to divide it by. The reported figures above are unaffected.

  • Reported short interest (shares) 1,833,185
  • Prior settlement (shares) 1,828,918
  • Reported change 0.23%
  • Days to cover (reported) 10.95

Reported to FINRA as of the 2026-09-15 settlement date. Short interest is reported to FINRA and published on a delayed, bi-monthly schedule (as of a settlement date, disseminated roughly eight business days later) — it is NOT real-time, does not cover every venue or all US trading, and is not a short-squeeze prediction or investment advice. Days-to-cover is the value FINRA reports; percent of float is not shown because the source file carries no share-count denominator — where a percent appears it is of shares OUTSTANDING, the larger base, and is therefore a floor on percent of float. Informational only — not financial advice.

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Competitors & peers

AI-enriched competitor set. Linked names are companies covered by stocks-llm; other named peers are shown for reference only.

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Frequently asked questions

What does ROOT INC CLASS A (ROOT) do?

Root is a technology-driven insurance company that primarily offers auto insurance by utilizing telematics, data science, and mobile technology to price policies based on individual driving behavior rather than traditional demographic factors. The company operates a full-stack, cloud-based platform that integrates the entire insurance value chain, including customer acquisition, underwriting, policy administration, and claims processing.

What sector is ROOT INC CLASS A (ROOT) in?

ROOT INC CLASS A (ROOT) is classified in the Financials sector. Its industry is Property and Casualty Insurance. It trades on NASDAQ.

Who are ROOT INC CLASS A's (ROOT) competitors?

Notable peers of ROOT INC CLASS A (ROOT) include Progressive, GEICO, Allstate, State Farm and Lemonade. This peer set is informational only — not financial advice.

Is ROOT INC CLASS A (ROOT) overbought or oversold right now?

ROOT INC CLASS A (ROOT) is currently neither overbought nor oversold — its 14-day RSI (a 0–100 momentum gauge) is 45, in the neutral middle (as of 2026-10-08). RSI describes recent price momentum, not a forecast — informational only, not financial advice.

Where does stocks-llm's data on ROOT come from?

Fundamentals come from SEC XBRL company filings for the figures marked with a fiscal year, and market data, as of 2026-09-02 for the rest; prices are market data, as of 2026-09-02; company filings and profile facts come from SEC EDGAR. All figures are delayed daily-close data shown with their as-of date — informational only, not financial advice.

Fundamentals: SEC XBRL company filings for the figures marked with a fiscal year, and market data, as of 2026-09-02 for the rest. Filings: SEC EDGAR. Prices are delayed daily-close data.

Last updated 2026-10-08.

Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & market data, shown with their as-of date.