ROOT · Root, Inc.
Price & Indicators
Raw chart and full-history price indicators begin at the captured split on Aug 15, 2022; bars on opposite sides are not compared.
Up next
AI Brief
TL;DR.
AI-generated from the earnings call and 8-K · may contain errors · not investment advice
Ask ALVIS about this →Equibles Rating
blended score · not investment adviceBlended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Guidance & track record
Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.
Technicals
trend & momentum for long-term holders Strong SellIllustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
the company's own KPIs, from written earnings releases and filings| Metric | Latest | Period | YoY |
|---|---|---|---|
| Adjusted EBITDA non-GAAP | $100.6M | Six Months Ended June 30, 2026 | — |
|
|
|||
| app downloads | 18M | Q2 2026 | — |
| Direct contribution | $264.5M | Six Months Ended June 30, 2026 | — |
|
|
|||
| driving data | 37B | Q2 2026 | — |
| Gross accident period loss ratio | 59.7% | Three Months Ended June 30, 2026 | — |
| Gross combined ratio | 91.3% | Three Months Ended June 30, 2026 | — |
| Gross earned premium | $368M | the second quarter | — |
| Gross expense ratio | 27.5% | Three Months Ended June 30, 2026 | — |
| Gross LAE ratio | 7.2% | Three Months Ended June 30, 2026 | — |
| Gross loss ratio | 56.6% | Three Months Ended June 30, 2026 | — |
| Gross premiums earned | $738.4M | Six Months Ended June 30, 2026 | — |
| Gross premiums written | $728.7M | Six Months Ended June 30, 2026 | — |
|
|
|||
| Gross written premium | $340M | the second quarter | — |
| Net loss and LAE ratio | 64.1% | Six Months Ended June 30, 2026 | — |
| Net premiums earned | $363.5M | Three Months Ended June 30, 2026 | — |
| Net premiums written | $720.8M | Six Months Ended June 30, 2026 | — |
| Net underwriting margin | 7.9% | the second quarter | — |
| Partnership and independent agent channels represented approximately 51% of new writings | 51% | the quarter | — |
| Partnership and independent agent channels share of new writings | 51% | the second quarter | — |
| Policies in force | 483,921 | Six Months Ended June 30, 2026 | — |
|
|
|||
| Premiums in force | $1.43B | Six Months Ended June 30, 2026 | — |
|
|
|||
| Premiums per policy | $1,479 | Six Months Ended June 30, 2026 | — |
|
|
|||
| Net combined ratio | 99.7% | Three Months Ended December 31, 2025 | — |
| Net expense ratio | 32.8% | Three Months Ended December 31, 2025 | — |
Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period
Versus peers
Insurance - Property & Casualty — same industry group| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
ROOT
this stock
Root, Inc.
|
$797.13M | -28.8% | +29.0% | 14.4 | 13.5% |
|
CB
Chubb Ltd
|
$133.28B | +10.1% | +6.5% | 12.2 | 1.1% |
|
PGR
Progressive Corp/Oh/
|
$121.86B | -8.0% | +16.3% | 10.5 | 1.4% |
|
TKOMY
Tokio Marine Holdings, Inc.
|
$90.32B | +28.6% | — | — | 0.0% |
|
TRV
Travelers Companies, Inc.
|
$77.25B | +27.7% | +5.2% | 10.0 | 3.6% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionPerformance
Raw-price comparisons begin at the captured split on Aug 15, 2022; windows that need an earlier baseline remain unavailable.
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| ROOT | -0.1% | -13.7% | -5.3% | -5.0% | -28.8% |
| SPY | +0.4% | +4.5% | +13.8% | +3.9% | +13.9% |
| vs SPY | -0.5% | -18.2% | -19.0% | -8.9% | -42.6% |
Capital returns
Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.