ROOT · Root, Inc.
Price & Indicators
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Metrics snapshot
Useful current figures from the complete screener profile.
AI Brief
Q2 FY26 earnings call · Aug 5, 2026TL;DR. Root reported Q2 profitability (net income $25M, +15% YoY; combined ratio 92.1%) while flagging that 2026 PIF growth will be roughly flat YoY due to competitive Direct pricing, and refinanced $200M of debt, launching New Jersey and planning a new pricing model for Q4.
- + Adjusted EBITDA up 16% YoY to $44M
- + Partnership and independent agent channels rose to ~51% of new writings from ~44% a year ago
- + Next-gen pricing model to launch in Q4 with early R&D showing encouraging segmentation gains
- − Management now expects 2026 PIF growth to be roughly flat YoY due to competitive Direct pricing
- − Sequential decline in PIF to 484,000 from 495,429 in Q1 2026
- − Gross written premium declined 2% YoY to $340M and gross earned premium fell 1% YoY to $368M
- − Renewal book accident-period loss ratio rose ~5 points YoY to ~54%
AI-generated from the earnings call and 8-K · may contain errors · not investment advice
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
Earlier KPI extraction records exist, but do not meet the current evidence-completeness requirements. No current verified series is available. Earlier figures remain withheld until revalidated; this is not evidence that the company reports no KPIs.
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.
|
$734.38M | -36.0% | +29.0% | 13.2 | 11.8% |
|
CB
Chubb Ltd
|
$128.80B | +6.1% | +6.5% | 11.8 | 0.9% |
|
PGR
Progressive Corp/Oh/
|
$119.47B | -7.4% | +16.3% | 10.3 | 1.1% |
|
TKOMY
Tokio Marine Holdings, Inc.
|
$100.71B | +36.6% | — | — | 0.0% |
|
TRV
Travelers Companies, Inc.
|
$75.72B | +24.7% | +5.2% | 9.8 | 3.0% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionPerformance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| ROOT | -3.4% | -15.8% | +5.0% | +0.2% | -36.0% |
| SPY | -0.4% | -0.2% | +12.4% | +0.2% | +12.0% |
| vs SPY | -2.9% | -15.6% | -7.4% | +0.0% | -48.1% |
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.