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Digital Adoption And Telematics Will Redefine Insurance Experiences

Published
21 Aug 25
Updated
12 Dec 25
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AnalystHighTarget's Fair Value
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1Y
10.9%
7D
3.8%

Author's Valuation

US$15043.6% undervalued intrinsic discount

AnalystHighTarget Fair Value

Narrative
Updates1

Shared on 12 Dec 25

Fair value Decreased 9.09%

ROOT: West Coast Expansion Will Drive Long-Term Upside Despite Tempered Outlook

Analysts lowered their price target on Root from 165 dollars to 150 dollars, citing a tempered outlook for revenue growth and profit margins that more than offset a slightly higher assumed future earnings multiple. What's in the News Root Insurance expands into Washington, completing its West Coast footprint and now serving drivers in Washington, Oregon, and California (company announcement) The company’s data-driven, smartphone-based pricing model now reaches more than 78% of the U.S. population, significantly broadening its addressable market (company announcement) Washington drivers can enroll via the Root app or joinroot.com, complete a telematics-based test drive, and potentially save up to 1,200 dollars annually based on safe driving behavior (company announcement) Root is deepening distribution by partnering with tech-forward companies and independent insurance agents to offer multiple access points for its digital-first auto policies in Washington (company announcement) Valuation Changes Fair Value Estimate lowered moderately from 165 dollars to 150 dollars, reflecting a more cautious outlook on the company’s fundamentals.
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