undamentalytics Newsletter
Sign in

Root, Inc. key statistics and ratios

In fiscal 2025, Root, Inc. had return on equity of 16.5%, an operating margin of 4.1% and debt equal to 70.5% of equity. Each ratio below is calculated from the figures on its income statement, balance sheet and cash flow pages.

Financial ratios

US$ thousands unless shown otherwise. Fiscal years, plus the last twelve months (LTM) when newer.

Fiscal year2018Dec 20182019Dec 20192020Dec 20202021Dec 20212022Dec 20222023Dec 20232024Dec 20242025Dec 2025LTMJun 2026
Operating margin—−89.6%−82.3%−140.5%−84.7%−22.3%6.7%4.1%5.5%
Net margin−159.6%−97.3%−104.7%−150.9%−95.8%−32.4%2.6%2.7%3.9%
Free-cash-flow margin−63.0%−46.1%−83.3%−118.1%−67.8%−7.4%16.6%13.6%12.4%
Return on equity——−110.4%−66.5%−73.2%−66.6%16.7%16.5%20.0%
Return on assets—−38.8%−29.1%−33.8%−22.6%−11.1%2.2%2.5%3.7%
Asset turnover—0.400.280.220.240.340.830.960.94
Debt to equity——19.3%0.0%106.6%181.1%98.2%70.5%61.0%
Interest cover (operating income ÷ interest)—n/mn/mn/mn/mn/m1.9x2.9x4.5x
Effective tax rate——————0.0%1.2%1.4%
Capital spending as % of revenue2.8%2.3%0.5%1.3%0.0%0.0%0.0%0.0%0.0%
Free cash flow ÷ net income——————632.0%512.4%317.8%

Returns use average equity or assets over the year. Return on equity is left blank when equity is negative or so small that the ratio says nothing (above ±200%); interest cover is left blank above 200 times. Price-based ratios such as P/E are on the valuation page.

Moat

27 /100

Weak moat

How hard Root's competitive advantage looks for rivals to wear away, judged from 6 years of its own filings: returns on capital, pricing power, profit durability, cash conversion and discipline.

  • Returns on capital 0 / 20

    Net income has been a median -11.3% of total assets over 6 years.

  • Durability 10 / 20

    Operating margin has been a median -29.7%; its worst year was -161.9%.

  • Discipline 9 / 20

    The diluted share count rose 724.5% over five years; stock-based pay has been a median 2.6% of revenue.

AI disruption exposure: Medium. In this industry, AI could change how the product is made or sold, without replacing the core asset. The score above includes a 5-point deduction for that exposure (32 before it).

A rules-based reading of reported figures, not a forecast and not investment advice. How the score is built: methodology.

Compare with peers

Head to head: ROOT vs TRUPROOT vs UVEROOT vs UFCSROOT vs SKWD

More: Property & Casualty Insurance stocks compared, Financials sector, rankings of US companies

Figures from Root, Inc.'s SEC filings (10-K and 10-Q), retrieved October 26, 2026. How we read and check them: methodology and data sources. Not investment advice. Back to Root, Inc.