Legal and regulatory exposurepositive · 4 filings
“At March 31, 2026, Root Re was subject to compliance with certain capital levels and a net premiums earned to capital ratio up to 15:1, which we maintained as of March 31, 2026.”10-Q · May 6, 2026 ↗
Root, Inc.
ROOT
Market read
Root, Inc.'s current read is isolated; its market group is not confirming.
No new filing conclusion is available. 0 of 37 group members are active now; 0 filing-linked outsiders are moving with the group, and 0 of 2 directly disclosed connections are confirming.
Company+2.4% todayVolume comparison unavailable
Market group0 of 37 activeNo Coherent Theme · unavailable
Disclosed network0 of 2 confirmingNo filing-linked name is confirming now
What would change this read
Watch this read- ROOT's market-adjusted activity becomes unusual and at least one connected name confirms.
Invalidation: The isolated read changes if ROOT's group or a disclosed connection begins moving with it.
Research brief
The story so far
No new filing conclusion is available. 0 of 37 group members are active now; 0 filing-linked outsiders are moving with the group, and 0 of 2 directly disclosed connections are confirming.
Evidence that supports
No thresholded supportive filing evidence is available yet.
Evidence that challenges
No thresholded adverse filing evidence is available yet.
What would clarify the read
- ROOT's market-adjusted activity becomes unusual and at least one connected name confirms.
Company research
Understand the business, not just the ticker
Business model and earnings drivers
Use the company’s filings to identify the few operating, demand, cost, capital and regulatory variables that determine its earnings power.
Key research questions
- Which operating variable is changing?
- Is that change durable, cyclical or one-off?
- What evidence would disprove the current interpretation?
Annual periods8
Price observations319
Usable filing statements117
Verified relationships1
Evidence supporting the case
- Latest annual revenue changed +29.0% year over year.
Evidence challenging the case
- Operating margin changed -2.6 percentage points in the latest annual period.
- Credit and interest rates has repeated adverse evidence across 3 filings.
Questions before a position
- P/E is 118% above the available filing-peer median; determine whether growth and quality justify the difference.
- EV/sales is 73% below the available filing-peer median; determine whether growth and quality justify the difference.
Longer-term price context
Price as of Sep 10, 2026
52.956m+2.1%12m-40.5%24m—
Annual trajectory
Reported annual revenue and per-share history. This is accounting history, not a forecast.
PeriodRevenueYoYDiluted EPSShare change
2021-12-31$345.4M-0.4%$-37.76—
2022-12-31$310.8M-10.0%$-21.11+2.2%
2023-12-31$455.0M+46.4%$-10.24+2.1%
2024-12-31$1.2B+158.6%$1.83+17.4%
2025-12-31$1.5B+29.0%$2.36+1.2%
What management says matters
Persistent and emerging business drivers
Credit and interest ratesnegative · 3 filings
“In addition, interest expense benefited from $4.6 million lower debt discount amortization as a result of changes in our debt structure following the amendment.”10-K · Feb 25, 2026 ↗
Tariffs and trade policypositive · 2 filings
“It was also influenced by slower new writing growth during the tax refund season in the current year, compared to the prior year, which benefited from a pull-forward of demand driven by concerns around tariff policy 28 Other Insurance Expense Other insurance…”10-Q · May 6, 2026 ↗
Demand and volumepositive · 1 filings
“It was also influenced by slower new writing growth during the tax refund season in the current year, compared to the prior year, which benefited from a pull-forward of demand driven by concerns around tariff policy 28 Other Insurance Expense Other insurance…”10-Q · May 6, 2026 ↗
Valuation discipline
Descriptive valuation snapshot
Price/sales 0.6× · EV/sales 0.3×. Comparisons use only industry-matched filing peers.
Scenario scaffold
Scenarios are withheld for Financial Services until sector-specific earnings and capital metrics are available; generic revenue/P/S scaffolds would be misleading.
Price action
How the market is pricing the story
52.95+2.4% today
Jodie does not have enough daily observations to draw a useful short-term chart for this asset. The latest quoted price was checked 10 Sept, 15:50 GMT-4; this is a coverage limitation, not a flat-price conclusion.
Developments
No sourced recent-development timeline yet
Jodie has not returned a relevant primary source or news item for ROOT. This is an evidence-coverage gap, not a conclusion that nothing material happened.
Business and financial condition
Reported financial figures are not available yet
Jodie has not returned structured SEC XBRL fundamentals for this asset. This is a coverage limitation, not an assessment of the business or its financial health.
Filing analysis
No comparable filing assessment is available yet
Jodie has not yet found a suitable current-versus-prior filing comparison for ROOT. This does not mean the latest filing was neutral or immaterial.
Business ecosystem
The relationships behind ROOT
Customers, suppliers, partners and competitors named in company filings—not inferred from headlines.
Depends on
CVNACarvana Co.partnerMay 6, 2026 ▾
“Direct Contribution We define direct contribution, a non-GAAP financial measure, as gross profit excluding net investment income, net realized gains on investments, acquisition expenses which include report costs and commission expenses related to our partner…”
Depended on by
CVNACarvana Co.partnerApr 29, 2026 ▾
“We have also partnered with Root, Inc.”
Filing peers
Companies whose filings use similar operating language.
Open the three relationships above to see Jodie’s filing proof. Pro unlocks 3 more links, every receipt, and alerts when connected names begin moving. Unlock the full network →
What is moving around it
Live connections
ROOT is currently a Participant in the organic co-movement group No Coherent Theme. This group is discovered from market behaviour rather than assigned from an industry taxonomy. 2 filing-linked names are in the relationship map; none is currently confirmed as moving with the group.
This group is retained as the last observed read for ROOT; it is not active in the latest market snapshot.
Context history
Theme membership history
No durable theme membership has been observed for this name yet.