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TickerTalks›$ROOT
ROROOT

Root, Inc.

$ROOT·$649M·Insurance - Property & Casualty·Financial Services
$50.47-0.1%YTD-33.2%1Y-33.1%
Price updated 6h ago·X counts updated 5d ago
ROROOT
$ROOTRoot, Inc.
$50.47-0.12%127 posts1×
AI analysisFundamentalsVoices on X
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On X

Top X posts

The complete picture of $ROOT on X — how loud the conversation is right now, how it has trended over the last two weeks, and which way the crowd is leaning.

127X posts · last 7 days
Sep 29Oct 11
Chatter Meter
1×
QuietNormal · 1×Loud

How loud $ROOT's conversation on X is versus its own normal — 1× is typical, higher means busier. Right now it's about its usual level, louder than 50% of tracked names.

Bullish sentimentAI analysisGenerated by AI from underlying data5 posts analyzed · as of 2026-10-02

Root Insurance is quietly bullish on a state-rollout cadence — Maine approval landed September 25 with go-live expected December 30, South Dakota live is next after a June approval, and the map of un-launched approved states is being passed around as the forward pipeline. The Quantitative Science org is reportedly tracking ~$50M in incremental impact. No bear voice in the sample.

Read what X is saying about $ROOT

  • Bullish vs bearish call — with the AI summary of the day's posts
  • Divergence flag when the top-engagement posts argue the other side
  • How loud the conversation is versus this ticker's own normal
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AI verdictAI analysisGenerated by AI from underlying data

TickerTalks' own read on what's driving $ROOT — fundamentals, momentum, or an event — and whether it agrees with the X crowd.

Comeback attemptSelling offAI verdict · as of 2026-10-02

Falling on heavy selling — points lower unless it turns around.

Root Insurance at 10% of 52-week range — 13% revenue growth, Maine approval, Carvana embedded deal extended through 2028.

Root Inc. is a technology-driven auto, home, and renters insurance company — focused on telematics-based pricing and embedded insurance via Carvana and other partners. The stock is at 10% of its 52-week range after a 37% YTD decline, with Maine approval and the Carvana extension as specific operational catalysts.

  • The P&L is actually working: revenue grew 12.6% YoY to $393.5M last quarter at a 9.2% operating margin and EPS $2.19 — the business is finally profitable, and the operating-margin trajectory is positive.
  • The Maine approval (9/25) with go-live Dec 30 alongside South Dakota adds roughly 1.8M drivers to the addressable market — plus the Quantitative Science organization tracking ~$50M of incremental annual profit at 5x+ ROI is the specific scaling thesis.
  • The Carvana embedded-insurance deal extended through 2028 is a legitimate commercial anchor — Root as the insurance-origination layer for a car-buying platform is a sustainable moat.

Breaking-down holds unless Nov 4 earnings confirm policies-in-force growth above 15% YoY and operating margin extends. A soft PIF print, or any specific commentary on telematics-based-pricing competitive pressure, is what seals the de-rating; a FY27 EPS guide above $7 plus specific state-expansion metrics is what breaks the tape higher.

Agrees with X sentimentX bulls citing Maine approval (go-live 12/30), South Dakota add (~1.8M drivers), $50M incremental profit tracking at 5x+ ROI, and hiring moves back from LMND have the specific state-expansion thesis right — this is a legitimate scaling story.

What to watch: Nov 4 earnings — policies-in-force growth above 15% YoY, operating margin trajectory, Maine/South Dakota go-live progress, FY27 EPS guide. A soft PIF print or competitive-pressure commentary is what seals the breaking-down.

On the calendar: 2026-11-04 — Q3 FY26 earnings

Read the AI verdict on $ROOT

  • One-line verdict on what's driving the move — fundamentals, momentum, both, or an event
  • Next dated catalyst when there is one (earnings, deal closing, activist clock)
  • Whether TickerTalks' read agrees with or diverges from the X crowd
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What it does

Plain-English summary of the business — what they sell and how they make money.

Telematics-based auto insurer pricing risk from mobile driving behavior, sold direct-to-consumer via app.

Industry overviewAI analysisGenerated by AI from underlying data

Where Insurance - Property & Casualty sits in its cycle right now — and what that implies for $ROOT.

Insurance - Property & Casualty · Financial Services

No material change from last week — Hard P&C pricing cycle with premium rates still outpacing loss-cost inflation and elevated investment yields remain the twin earnings drivers.

What this means for $ROOT

Partial — Telematics-based auto insurer pricing risk from mobile driving behavior, sold direct-to-consumer via app.

Top industry ETF

$KIESPDR S&P Insurance ETF
+1.1%YTD
+11.3%1Y

Fundamentals & catalyst

Profitability, valuation, and the next earnings event — at a glance, with rule-of-thumb signals.

Key ratios

P/E
14.5How much investors are paying per dollar of profit the company actually earned in the last 12 months. Lower means the stock looks cheaper relative to earnings.~15–25 is typical for the S&P 500; high-growth names trade 30+; hyper-growth or speculative can be 100+ or negative.
ROIC
3.7%What percentage return the business earns on every dollar of capital (equity + debt) deployed in operations. The cleanest measure of business quality.Above ~15% is high-quality; consistently above 25% suggests a real moat. Below the company's cost of capital is value-destroying.
Op margin
3.7%Operating profit (after sales, marketing, R&D, and overhead but before interest and taxes) as a percentage of revenue. The clearest view of how well the underlying business is run.Mature business above 20% is healthy; software businesses can run 30%+; commodity / retail businesses operate in single digits.
FCF yield
23.6%Free cash flow (operating cash flow minus capex) divided by the company's market cap. The cash-on-cash return you'd get owning the whole business at today's price.Above ~5% is attractive; below ~2% means you're paying up for growth. Capital-light businesses (software) run higher than capital-heavy ones (utilities).
P/S
0.5Same idea as P/E but per dollar of revenue. Useful for companies that aren't profitable yet, where P/E is meaningless.Under ~2 is cheap; software / SaaS often runs 8–15; well above 20 implies the market is pricing in very high future growth.
ROE
14.7%Net income as a percentage of shareholders' equity. Similar to ROIC but counts only the equity side.Above 20% is strong, but can be inflated by leverage — a heavily indebted company can show high ROE with weak underlying ROIC.
Gross margin
28.6%Revenue minus the direct cost of producing what was sold, as a percentage of revenue. The first read on whether the product is structurally profitable.Software / SaaS is typically 70%+; consumer goods 30–50%; commodity / hardware businesses can be under 20%.
D/E
0.5Total debt divided by shareholders' equity. Measures how much the business runs on borrowed money versus owner capital.Under 1 is conservative; 1–2 is typical for mature businesses; over 2 is leveraged and more sensitive to interest rates.

Past earnings

QuarterReportedActualEstimateSurprise
Q2 2026Aug 5, 2026$1.49$0.83+80.0%
Q1 2026May 6, 2026$2.09$0.84+148.8%
Q4 2025Feb 25, 2026$0.31$0.03+933.3%
Q3 2025Nov 5, 2025$-0.35$-0.43+18.6%
Next earningsWed, Nov 4·consensus EPS $0.63

Quarterly trend

QuarterRevenueYoYGrossOpEPSFCF
Q1 FY26$393.5M+12.6%42.5%9.2%$2.19$5.8M
Q4 FY25$397.0M+21.5%24.3%1.4%$0.33$65.9M
Q3 FY25$387.8M+26.9%21.0%-1.3%$-0.35$53.7M
Q2 FY25$382.9M+32.4%26.6%5.7%$1.36$52.0M

Forward consensus

3-year forecast · up to 6 analysts
FYRevenueRangeEPSRangeAnalysts
FY26$1.5B$1.5B – $1.6B$4.48$4.28 – $4.683
FY27$1.6B$1.5B – $1.6B$2.42$2.31 – $2.536
FY28$1.7B$1.5B – $1.8B$2.43$0.78 – $3.685

Setup & momentum

Volume, range, and moving-average position — the technical setup driving short-term moves.

Right now

Vol vs 30dToday's traded share volume divided by the average over the prior 30 trading days. ≥3× signals unusual interest; below 1× is quiet.0.7×Today's traded share volume divided by the average over the prior 30 trading days. ≥3× signals unusual interest; below 1× is quiet.
52w rangeWhere the latest close sits between the 52-week low (0%) and high (100%). Above 80% is extended; below 30% is basing or in a downtrend.19%Where the latest close sits between the 52-week low (0%) and high (100%). Above 80% is extended; below 30% is basing or in a downtrend.
vs 50d MALatest close vs the 50-day simple moving average. Positive = short-term trend is up.-1.9%Latest close vs the 50-day simple moving average. Positive = short-term trend is up.
vs 200d MALatest close vs the 200-day simple moving average. Positive = long-term trend is up.-8.8%Latest close vs the 200-day simple moving average. Positive = long-term trend is up.

Float & profile

FloatLow float · 12.3M shFree-float shares — the slice of issued stock actually available to trade. Lower buckets squeeze harder on a catalyst.Traded today1.1% of floatToday's volume as a percent of the free float. Above 5% on a single day is unusually high turnover for the available share count.β2.915-year weekly beta vs the S&P 500. Above 1.5 means the stock typically moves more than the index; below 0.8 moves less.

Insider activity

Recent open-market buys and sells by officers and directors — flagged when multiple insiders cluster.

Recent transactions

SellMay 15Jonathan AllisonChief Administrative Officer1.6K sh$90KSellMay 12Jonathan AllisonChief Administrative Officer1.7K sh$95K
+ 16 other (7 inkinds · 7 awards · 1 other · 1 gift) in window

See when $ROOT insiders are putting their own money in

  • Real-time open-market buys and sells from Form 4 filings
  • Cluster-buy detection when multiple insiders pile in at once
  • 30 / 60 / 180-day windows so you can spot building conviction
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SEC filings

Material 8-K, 13D, S-3, and 424B5 events from the last 180 days — the filings that actually move the price.

Recent material filings

SC 13D/AActivist amendmentSep 2SC 13D/A
AI summary

Root Inc. (ROOT) received an SC 13D/A Amendment 13 from Carvana Group disclosing a 5.4% beneficial ownership stake of 780,727 shares, converted from preferred stock. The filing reflects Carvana reducing its preferred stake in exchange for common equity. Carvana is a strategic partner of Root.

8-KMaterial agreementSep 18-K — Item 1.01: Material agreement · Item 3.02: Unregistered equity sale
AI summary

Root Inc. (ROOT) filed an 8-K (Item 1.01) disclosing a significant restructuring of its warrant and commercial agreements with Carvana. All long-term warrants issued in 2021 were canceled and exchanged for a single new warrant. The Commercial Agreement, Investment Agreement, and Registration Rights Agreement were each amended. This restructuring simplifies Root's capital structure with its key distribution partner.

8-KPress release / Reg FDAug 58-K — Item 2.02: Earnings release · Item 7.01: Press release / Reg FD
AI summary

ROOT filed an 8-K (Item 2.02) reporting its financial results, filed 2026-08-05. The actual financial figures are in the attached press release (Exhibit 99.1), not reproduced in the body excerpt. This is a material disclosure; investors should review the press release for beat/miss details and guidance.

8-KCharter amendmentJun 88-K — Item 5.03: Charter amendment · Item 5.07: Shareholder vote
AI summary

Root, Inc. held its 2026 Annual Meeting on June 3, 2026, at which stockholders approved a Delaware-law charter amendment to extend officer exculpation from monetary liability (paralleling existing director protections), effective June 4, 2026. Stockholders also elected three Class III directors — Lawrence Hilsheimer, Alexander Timm, and Douglas Ulman — for terms expiring at the 2029 annual meeting. The officer exculpation amendment is a governance change that limits personal liability risk for officers; director elections are routine.

8-KAgreement terminatedMay 68-K — Item 1.01: Material agreement · Item 1.02: Agreement terminated · Item 2.02: Earnings release · Item 2.03: Material debt obligation · Item 7.01: Press release / Reg FD
AI summary

Root, Inc. entered a $200 million senior secured term loan with The Huntington National Bank on May 4, 2026 via subsidiary Caret Holdings; full amount funded immediately; SOFR-based interest at +3.00–3.75%; matures May 4, 2029. Material new debt facility; Root deploying capital to fund insurance business growth.

+ 8 other (2 10-Qs · 2 13Gs · 2 proxys · 1 S-8) in window

Recent news

Latest headlines from major outlets, sourced and timestamped — context for whatever just moved.

Roots Corporation Obtains Final Order Approving Previously Announced Plan of Arrangementbusinesswire.com·2d agoWhy Root, Inc. (ROOT) is a Top Growth Stock for the Long-Termzacks.com·4d ago5 Insurers to Focus on as Embedded Insurance Gains Momentumzacks.com·9d agoRoot, Inc. Schedules Conference Call to Discuss Third Quarter 2026 Financial Resultsglobenewswire.com·9d agoHere's Why Root, Inc. (ROOT) is a Strong Growth Stockzacks.com·23d ago

In themes

Explore the broader themes this ticker is being talked about under.

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TickerTalks is a research tool, not financial advice. We surface social-attention data; we do not make stock recommendations. Past attention is not predictive of future price movements.

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