Root, Inc. has successfully pivoted from a costly direct-to-consumer model to a scalable, embedded insurance platform, notably partnering with Carvana to lower customer acquisition costs and boost retention. Financials have improved significantly: positive operating cash flow, EBITDA profitability, and an improving loss ratio signal a sustainable turnaround and operational discipline. ROOT trades at a notable valuation discount to peers despite its turnaround, offering 30-60% potential upside if the market re-rates its improved fundamentals.
Here is how Root, Inc. (ROOT) and Banco De Chile (BCH) have performed compared to their sector so far this year.
ROOT surges past 200-day SMA as YTD gains hit 72.6%, backed by margin growth, tech focus and strong ROE despite trading at a premium.
6 Aug 2025 (In 1 week) Date | | 0.52 Cons. EPS | - EPS |
6 Aug 2025 (In 1 week) Date | | 0.44 Cons. EPS | - EPS |
28 Apr 2025 Date | | - Cons. EPS | - EPS |
26 Feb 2025 Date | | - Cons. EPS | 1.24 EPS |
19 Feb 2025 Date | | - Cons. EPS | - EPS |
6 Aug 2025 (In 1 week) Date | | 0.52 Cons. EPS | - EPS |
6 Aug 2025 (In 1 week) Date | | 0.44 Cons. EPS | - EPS |
28 Apr 2025 Date | | - Cons. EPS | - EPS |
26 Feb 2025 Date | | - Cons. EPS | 1.24 EPS |
19 Feb 2025 Date | | - Cons. EPS | - EPS |
Insurance - Property & Casualty Industry | Financial Services Sector | Alexander Edward Timm CEO | NASDAQ (NGS) Exchange | 77664L108 Cusip |
US Country | 1,021 Employees | - Last Dividend | 15 Aug 2022 Last Split | 28 Oct 2020 IPO Date |
Root, Inc. operates within the insurance industry in the United States, focusing on delivering a range of insurance products directly to consumers. Founded in 2015 and based in Columbus, Ohio, the company leverages technology, especially mobile applications and their website, to offer personalized insurance solutions. This direct-to-consumer model is supported by various digital, media, and referral channels, alongside partnerships with distribution agents and agencies. Root, Inc.'s approach to insurance is fundamentally rooted in convenience and accessibility, aiming to streamline the insurance procurement process for its customers.
Automobile Insurance: Root, Inc. provides automobile insurance policies that cover vehicles against damage and the owners against liability for damages and injuries. The company utilizes a mobile application to simplify the process of obtaining coverage, filing claims, and managing policies, catering to digital-savvy consumers seeking efficient, hassle-free service.
Homeowners Insurance: This insurance product is designed to protect homeowners against various risks, including damage to their houses, loss of contents, and liability for accidents that occur on their property. Root, Inc. offers a straightforward application and claims process through its mobile platform, making it easier for homeowners to secure and maintain their insurance coverage.
Renters Insurance: Aimed at tenants, Root’s renters insurance provides coverage for personal property loss or damage within rented properties, alongside liability coverage. The service highlights the company's commitment to offering comprehensive insurance products accessible through advanced digital channels, specifically tailored for the needs of modern consumers.