Root stock
ROOTNASDAQRoot, Inc., Financial ServicesISIN US77664L2079
54Score 54 out of 100, Neutral
Price and trend
30 / 100
Price history
−50% in one yearThe chart shows daily closes over 6 years, adjusted for stock splits and without dividends. Click into the chart to set a price alert at that price.
Below the 200-day line: the price is 18% below it.
Since August 2025 the 50-day line has been below the 200-day line; the trend has turned down.
Normal: the price is neither overheated nor sold off (RSI 32).
The price is 50% below its 52-week high. Largest decline in 6 years: 99% (October 2020 to March 2023).
Chart figures for advanced users
- SMA 50$49.95
- Average price of the last 50 trading days, shows the short-term trend.
- SMA 200$53.26
- Average price of the last 200 trading days, shows the long-term trend.
- RSI (14)32
- Relative strength over the last 14 days on a scale from 0 to 100. Above 70 the price counts as overheated, below 30 as sharply fallen.
- MACDbelow the signal line
- Compares a fast and a slow price average. Above its signal line momentum is rising, below it momentum is fading.
- Support$43.21
- The lowest closing price of the last twelve months.
- Resistance$88.07
- The highest closing price of the last twelve months.
Snapshot
Computed from the data by fixed rules, no AI
- Root, Inc. belongs to the Insurance (Property & Casualty) industry (United States) and, with a market value of $671.9M, is number 53 of 58 companies in its industry on MEQIRI.
- In fiscal 2025 it earned $40.3M (up 30.4% year on year).
- MEQIRI Score 54 out of 100 (Neutral): rank 813 of 976 in Financial Services, median 68.
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- The P/E is 9.5 (Insurance (Property & Casualty) median 12.4, own median of recent years 33).
- Our model puts fair value at $56.94, with the price 23% below it.
In plain words
The numbers on this page in plain words, written by an AI
Strengths
- High return on equityReturn on equity 20.2% over the last 12 months.Profitability 80
Weaknesses
- Analysts expect falling earningsDown 27.1% a year through 2028 (estimates from 4 analysts).Growth 50
- Share price fell sharplyDown 49% over the last 12 months.Momentum 16
- Volatile share priceVolatility 64% a year over the last 12 months.Stability 63
Its standout strengths are valuation and profitability, while technical analysis and momentum hold the score back.
Daily figure as of 12 Nov 2026
How the score is calculatedScore overview
The fundamentals are in the middle range.
Score history
The full history of up to 20 years comes with MEQIRI Pro.
See plansCrash risk high
How well MEQIRI warnsOne of the 30% with the highest crash risk among smaller stocks.
From 2016 to 2025, 36 in 100 such stocks fell 30% or more within a year, against a group average of 23 in 100.
What drives the risk
- price far below its 52-week high
- weak momentum
- high price swings
What lowers it
- price not overheated over the past year
Valuation
Valuation signal
Modestly undervaluedClosing price of 11 Nov 2026, used by the daily score.
In our model the price counts as cheap below $37.96 and expensive above $113.89 (uncertainty very high, based on the price swings of the past year).
Valuation metrics
From earnings times the industry P/E (12.4) alone; there are no viable cash flows for the cash-flow model.
Calculate with your own assumptionsCompany performance
This shows several years of history with an automatic assessment.
Revenue
In the twelve months to 30 Sep 2026, revenue rose 7.9% on the twelve months before. Revenue has grown strongly since 2018, at around 66% per year.
Margins
- Operating margin
- Net margin
In fiscal 2025: operating 3%, net 3%. Banks and insurers have no gross margin, and their net margin is not comparable with other industries. The score leaves both out.
Debt & balance sheet
latest quarterFor banks and insurers, deposits and liabilities are the business. Debt to equity and the current ratio say little here, and the score does not rate them.
Earnings
- Next earnings
- 24 Feb 2027in 104 days
- Last reported
- 4 Nov 2026EPS reported $0.86 (expected $0.63)above expectations
Analyst estimates
- Earnings per share
- $4.64+1.2%
- Revenue
- $1.54B−0.4%
- Earnings per share
- $2.31−6.0%
- Revenue
- $1.53B−1.4%
MEQIRI has stored the estimates since 15 Oct 2026. Until 30 days are available, the card shows the change since that day. Mean estimate according to Financial Modeling Prep. No price target and no recommendation.
Company outlook confirmed
Share price after the results: −14.6%If competition stays tough, policies in force are expected to be roughly flat at the end of 2026, with seasonally higher loss ratios in the second half.
“But as we look at the end of 2026, if the current competitive environment persists, we would expect that 2026 PIF growth will be relatively flat on a year-over-year basis.”The outlook is not part of the score and not a recommendation to buy or sell.
From the earnings call on 5 Aug 2026 (fiscal Q2 2026), read by AI.
Insiders
Open-market purchases and sales by executives, board members and major holders
No open-market purchases in the last 6 months. One insider sold, $89,872 in total.
Sales say less than purchases: many insiders sell on a fixed plan, for taxes or to diversify.
- Allison JonathanSale
15 May 2026, Chief Administrative Officer
- Shares
- 1,606
- Price
- $55.96
- Value
- $89,872
Source: Form 4 filings with the US Securities and Exchange Commission. Grants, option exercises, gifts and tax withholdings are hidden. Not a recommendation to buy.
What happened at Root
The key events of the last six months from our own data. A click takes you to the matching card.
Sector comparison
976 rated companies in Financial Services
- This company
- 54
- Sector median
- 68
Categories against the sector median
The median is the middle value: half of the companies in the sector lie above it, half below. Categories with too few comparable companies are left out.
Competitors in Insurance (Property & Casualty)
The next larger and next smaller companies by market value
- Heritage Insurance HoldingsHRTG $996.24M76
- Hippo HoldingsHIPO $974.62M51
- FBD HoldingsEG7.IR $767.97M79
- Donegal GroupDGICA $709.1M58
- American Integrity Insurance GroupAII $576.29M82
- American Coastal InsuranceACIC $481.4M62
- Kingstone CompaniesKINS $326.42M77
- Global Indemnity GroupGBLI $317.99M40
ETFs that hold Root
Held by 11 ETFs on Xetra. Shown per index: the ETF with the largest weight.
| ETF | Weight | Cost | Fund size |
|---|---|---|---|
| Avantis Global Small Cap Value UCITS ETFAVWS | 0.02% | 0.39% | €1.47B |
| State Street SPDR Russell 2000 U.S. Small Cap UCITS ETF (Acc)ZPRR | 0.02% | 0.30% | €4.22B |
| L&G Russell 2000 US Small Cap Quality UCITS ETFETLZ | 0.02% | 0.30% | €185.82M |
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| Xtrackers Russell 2000 UCITS ETF 1CXRS2 | 0.02% | 0.30% | €2.17B |
| iShares MSCI World Small Cap UCITS ETFIUSN | 0.01% | 0.35% | €8.19B |
| State Street SPDR MSCI USA Small Cap Value Weighted UCITS ETFZPRV | 0.01% | 0.30% | €944.34M |
| iShares MSCI USA Small Cap CTB Enhanced ESG UCITS ETFSXRG | 0.01% | 0.43% | €2.48B |
| iShares MSCI World Small Cap CTB Enhanced ESG UCITS ETFCBUG | 0.00% | 0.35% | €434.1M |
Holdings as reported by the funds via FMP, excluding swap ETFs (their holdings are only collateral).
Data status and sources
- Score
- Daily value of 12 Nov 2026, recalculated nightly
- Price
- Closing price of 12 Nov 2026
- Latest annual report
- Fiscal year 2025, period end 31 Dec 2025
- Source
- Financial statements, ratios and prices from Financial Modeling Prep (FMP), based on the company's reports. MEQIRI calculates the score and fair value from them.
Mandatory disclosures for this rating
- ; time horizon around 12 months
- Rated Neutral, published since 7 Nov 2026 (in the score history since 8 May 2026)
- Valuation signal Fairly valued since 7 Nov 2026
- End-of-day prices, metrics cached for up to 24 hours
- Score and fair value are estimates from a disclosed model. They are not facts and not a price target.
- Produced by SSM Ventures UG (haftungsbeschränkt), responsible person Sven Brostmeyer, Managing Director, automatically according to the disclosed model.
- Not investment advice. Losses up to and including a total loss are possible. Personal circumstances are not considered.