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.
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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.
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 |
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| Adjusted EBITDA non-GAAP | $43.8M | Q2 2026 | — |
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| Gross accident period loss ratio | 61.6% | Q2 2026 | — |
| Gross combined ratio | 91.9% | Q2 2026 | — |
| Gross expense ratio | 25.9% | Q2 2026 | — |
| Gross LAE ratio | 7.3% | Q2 2026 | — |
| Gross loss ratio | 58.7% | Q2 2026 | — |
| Gross premiums earned | $368.1M | Q2 2026 | — |
| Gross premiums written | $339.7M | Q2 2026 | — |
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| Net combined ratio | 92.1% | Q2 2026 | — |
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| Net expense ratio | 26.1% | Q2 2026 | — |
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| Policies in force | 483,921 | Q2 2026 | — |
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| Premiums in force | $1.43B | Q2 2026 | — |
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| Premiums per policy | $1,479 | Q2 2026 | — |
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| Direct contribution non-GAAP | $125.6M | Three Months Ended December 31, 2025 | — |
| Net loss and LAE ratio | 66.9% | 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.
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$90.32B | +28.6% | — | — | 0.0% |
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TRV
Travelers Companies, Inc.
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$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.