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Root, Inc. provides insurance products and services in the United States. The company offers automobile and renters insurance products primarily through websites, mobile applications, and partnership channels. Root, Inc. was incorporated in 2015 and is headquartered in Columbus, Ohio.
Rule-based from financial data. Not advice.
5-year financial trends. Figures in USD millions.
Latest fiscal year: 2025
Year-by-year revenue, profitability, and cash flow (USD millions, last 5 years)
| Year | Revenue | EBITDA | Net Profit | FCF | ROE | Rev Growth 1Y | NP Growth 1Y |
|---|---|---|---|---|---|---|---|
| 2025 | $1.5B | - | $40M | $192M | 14.2% | 29.0% | 30.4% |
| 2024 | $1.2B | - | $31M | $184M | 15.2% | 158.6% | -121.0% |
| 2023 | $455M | - | $-147M | $-43M | -89.0% | 46.4% | -50.5% |
| 2022 | $311M | - | $-298M | $-221M | -107.4% | - | - |
| 2021 | - | - | - |
Income statement, balance sheet, and cash flow as reported
Consolidated Figures in USD Millions.
| Metric | 2025 |
|---|---|
| Total Revenue | 1,517.10 |
| Operating Revenue | 1,517.10 |
| Selling General And Administration | 271.70 |
| Total Expenses | 1,476.30 |
| EBIT | 61.80 |
| Interest Income | 40.10 |
| Interest Expense | 21 |
| Net Interest Income | -21 |
| Other Income Expense | 3.40 |
| Interest Expense Non Operating | 21 |
| Net Non Operating Interest Income Expense | -21 |
| Pretax Income | 40.80 |
| Tax Provision | -0.50 |
| Tax Rate For Calcs | 0 |
| Tax Effect Of Unusual Items | 0 |
| Net Income Continuous Operations | 41.30 |
| Net Income From Continuing And Discontinued Operation | 40.30 |
| Net Income From Continuing Operation Net Minority Interest | 40.30 |
| Net Income | 40.30 |
| Net Income Common Stockholders | 38.30 |
| Net Income Including Noncontrolling Interests | 41.30 |
| Normalized Income | 40.30 |
| Diluted NI Availto Com Stockholders | 38.30 |
| Basic Average Shares | 15.40 |
| Diluted Average Shares | 17.10 |
| Reconciled Depreciation | 11.80 |
| Total Unusual Items | 0 |
| Total Unusual Items Excluding Goodwill | 0 |
| Special Income Charges | 0 |
| Other Special Charges | - |
| General And Administrative Expense | 96.90 |
| Other Gand A | 96.90 |
| Other Operating Expenses | 53.10 |
| Selling And Marketing Expense | 174.80 |
| Otherunder Preferred Stock Dividend | 2 |
| Loss Adjustment Expense | 1,130.50 |
| Net Policyholder Benefits And Claims | 1,130.50 |
| Policyholder Benefits Gross | 1,161 |
| Policyholder Benefits Ceded | 30.50 |
Financial Services sector peers, ranked by market cap
| Company | Ticker | Market Cap | P/E | P/B | ROE | EV/EBITDA |
|---|---|---|---|---|---|---|
| Root, Inc.this co. | ROOT | $833M | 20.67↑ premium | 2.93 | 14.2% | - |
| Camden National Corporation | CAC | $852M | 13.08 | 1.22 | 9.4% | - |
| Abacus Global Management, Inc. | ABX | $851M | 23.29 | 2.03 | 8.7% | 11.11 |
| First Financial Corporation | THFF | $840M | 10.61 | 1.29 | 12.2% | - |
| Farmers National Banc Corp. | FMNB | $834M |
| - |
| - |
| - |
| - |
| 15.27 |
| 1.72 |
| 11.2% |
| - |
| Eagle Bancorp, Inc. | EGBN | $828M | -6.00 | 0.73 | -12.2% | - |
| Mid Penn Bancorp, Inc. | MPB | $823M | 14.64 | 1.01 | 6.9% | - |
| Employers Holdings, Inc. | EIG | $811M | 75.12 | 0.85 | 1.1% | - |
| loanDepot, Inc. | LDI | $811M | -12.94 | 3.46 | -26.7% | - |
| Peer Median | - | 13.86 | 1.26 | 7.8% | 11.11 | |