Root, Inc.
ROOTFinancial ServicesNASDAQInsurance - Property & Casualty · Last scanned Oct 26, 2026
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Daily timeframeRoot, Inc. provides insurance products and services in the United States. With a market capitalization of $803.0M, it sits in small-cap territory. The company offers automobile and renters insurance products primarily through websites, mobile applications, and partnership channels.
Market Cap
$803.0M
Beta
2.91
P/E (TTM)
14.98
P/E (Fwd)
16.94
EPS (TTM)
$3.46
EPS (Fwd)
$3.06
ROE
15.4%
ROA
3.3%
Cash
$520.4M
Total Debt
$197.8M
Free CF
$125.1M
52W Change
-36.2%
Annual Financials
Cash vs Debt
Where ROOT stands vs its 150-day and 200-day moving averages
As of the October 20, 2026 close, ROOT finished 1.73% below its 150-day moving average ($53.24) and 5.25% below its 200-day moving average ($55.22). This snapshot is end-of-day data shown with a five-trading-day delay on the free plan; Premium members see readings from the latest close.
Is ROOT overbought or oversold?
At the October 20, 2026 close, ROOT's RSI(14) was 87.1, in overbought territory (above 70). The MACD histogram was positive, so short-term momentum leaned bullish at that close. These readings are historical, refresh daily after market close, and are not investment advice.
With $520.4M in cash and $197.8M in debt, ROOT maintains more liquidity than leverage. This favorable balance sheet position can be an asset when capital markets become less accommodating. The company generates $125.1M in free cash flow annually, which funds everything from R&D to shareholder returns without needing external financing. Return on equity stands at 15.4%, which is strong for the sector. ROE measures how effectively a company uses shareholder capital to generate profits. ROA of 3.3% is on the lower side, which is common in asset-heavy industries. Revenue has grown from $310.8M (2022) to $1.52B (2025), reflecting a 388% increase over the period.
With a beta above 1.5, ROOT tends to amplify broader market moves — both up and down. This higher volatility means larger price swings are common. The strong cash position relative to debt provides a financial cushion that reduces balance sheet risk. It is important to consider these factors alongside broader market conditions and individual financial goals when reviewing ROOT.