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ROROOT

Root, Inc.

$ROOT·$902M·Insurance - Property & Casualty·Financial Services
$64.36-0.1%YTD-11.8%1Y-47.1%
Mentions · last 7 days
2026-07-03: 11 posts2026-07-04: 9 posts2026-07-05: 8 posts2026-07-06: 21 posts2026-07-07: 18 posts2026-07-08: 43 posts2026-07-09: 13 posts124+17%
Price updated 1d ago·X counts updated 2d ago
ROROOT
$ROOTRoot, Inc.
$64.36-0.06%124 posts+17%
AI analysisFundamentalsVoices on X
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AI verdict & sentimentAI analysisGenerated by AI from underlying data

Top X posts

Today's AI verdict on what's driving $ROOT, plus how loud the X conversation is and which way it's leaning.

AI analysis

TickerTalks’ read on the fundamentals and what’s driving the move.

Comeback attemptEvent coming upAI verdict · as of 2026-07-10

A known event soon (earnings, a ruling, etc.) will likely decide the next move.

Root Insurance telematics-based auto insurer at 14x P/E — South Dakota and Michigan approvals expanding TAM, Q2 print August 5.

Root Inc. is a telematics-based auto-insurance startup — using specific driving-behavior data to price insurance more accurately than traditional carriers. The stock is down 48% t12m as the market processed specific competitive concerns, but the fundamentals are compounding.

Where the setup stands:

  • Q1 revenue grew 12.6% YoY to $393M with gross margin at 43% and operating margin at 9% — that's specific reacceleration versus prior quarters, and consensus writes in FY26 EPS around $3.20 puts the forward multiple at ~20x on continued state expansion.
  • The specific South Dakota approval as of June 16 with expected December 30 launch plus Michigan state approval for March 31, 2027 launch expand the specific $350B auto market TAM materially — the specific Jerry partnership provides the fully-embedded distribution channel.
  • The specific CTO commentary framing Root's telematics as best-in-the-world underwriting captures the specific competitive moat argument — plus the specific 200-day MA reclamation is the specific technical anchor.

The August 5 print is the referendum — a beat with FY26 revenue guide reaffirmed plus specific state-expansion commentary extends the tape toward $95; a soft loss-ratio print combined with any specific commentary about specific competitive pressure from Progressive/GEICO takes ROOT back toward $40. What matters structurally is loss-ratio staying below 60% at the scale of new state entries.

Agrees with X sentimentAgreeing with X's bullish frame — the $350B auto market beachhead, single-digit forward P/E, positive net income ~$40M in 2025, South Dakota approval, and Michigan expansion approval are the specific mechanics. The CTO commentary on best-in-the-world telematics is the specific competitive-moat anchor.

What to watch: August 5 Q2 earnings. FY26 revenue guide reaffirmed plus state-expansion commentary extends the tape toward $95; a soft loss-ratio or competitive pressure from Progressive/GEICO takes ROOT back toward $40.

On the calendar: 2026-08-05 — Q2 earnings

X sentiment

What the X crowd is saying right now — descriptive, summarised from the day’s posts.

Bullish sentiment35 posts analyzed · as of 2026-07-11

Root Insurance is up 53 percent from its recent low with a close above the 200 EMA, distribution expansion via partnerships including Jerry, and a new homeowner-of-another-carrier discount that unlocks bundling economics without moving policies. Posters cite it as the fastest-growing public P&C insurer over three years, with a low 14 million share float, buyback program, and record profitability signals from all-time high policies in force.

Read the AI verdict + X sentiment for $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)
  • X crowd read with bullish/bearish call + post volume
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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

ETF up 2.7% today — structural driver intact: climate-driven cat events push combined ratios higher across P&C underwriters, keeping reinsurance costs sticky even as rate cycles moderate.

What this means for $ROOT

Direct beneficiary — Root, Inc.

Top industry ETF

$KIESPDR S&P Insurance ETF
+5.6%YTD
+10.3%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
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%
Q2 2025Aug 6, 2025$1.29$1.06+21.7%
Next earningsWed, Aug 5·consensus EPS $0.83

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$1.6B$1.6B – $1.7B$3.06$2.97 – $3.224
FY27$1.7B$1.6B – $1.8B$2.61$2.54 – $2.756
FY28$1.9B$1.9B – $1.9B$2.70$1.20 – $3.764

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.0.5×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.25%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.+14.9%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.-0.7%Latest close vs the 200-day simple moving average. Positive = long-term trend is up.

Float & profile

FloatLow float · 12.6M shFree-float shares — the slice of issued stock actually available to trade. Lower buckets squeeze harder on a catalyst.Traded today1.0% 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.

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$95KSellApr 7Jonathan AllisonChief Administrative Officer1.7K sh$76KSellApr 2Jonathan AllisonChief Administrative Officer4.1K sh$174KSellMar 20Jonathan AllisonChief Administrative Officer4.0K sh$179KSellMar 17Jonathan AllisonChief Administrative Officer4.0K sh$180KSellMar 12Jonathan AllisonChief Administrative Officer3.9K sh$170KSellMar 5Jonathan AllisonChief Administrative Officer3.9K sh$187KSellMar 3Jonathan AllisonChief Administrative Officer3.9K sh$187K
+ 30 other (14 inkinds · 12 awards · 4 exempts) 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
Free, forever. No credit card.

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

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.

SC 13D/AActivist amendmentMar 3SC 13D/A
+ 10 other (2 13Gs · 2 proxys · 1 S-8 · 1 10-Q) in window

Recent news

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

Dollar Tree's Turnaround Is Starting to Take Rootmarketbeat.com·3d agoRoot, Inc. (ROOT) Just Overtook the 200-Day Moving Averagezacks.com·3d agoRoot and Jerry Partner to Deliver Fully Embedded, End-to-End Car Insurance Experienceglobenewswire.com·4d agoRoot, Inc.: Upgraded To Strong Buy Due To Its Strong Q1 2026 Performanceseekingalpha.com·11d agoRoot, Inc. (ROOT) Just Overtook the 20-Day Moving Averagezacks.com·13d ago

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