Root Bilanço Sağlığı
Finansal Sağlık kriter kontrolleri 5/6
Root şirketinin toplam hissedar öz sermayesi $437.9M ve toplam borcu $200.3M olup, bu da borç-öz sermaye oranını 45.7% seviyesine getiriyor. Toplam varlıkları ve toplam yükümlülükleri sırasıyla $1.7B ve $1.2B dir. Root 'in FAVÖK'ü $79.1M faiz karşılama oranı 3.9 dur. Şirketin $608.0M tutarında nakit ve kısa vadeli yatırımları bulunmaktadır.
Anahtar bilgiler
45.74%
Borç/özkaynak oranı
US$200.30m
Borç
| Faiz karşılama oranı | 3.9x |
| Nakit | US$608.00m |
| Eşitlik | US$437.90m |
| Toplam yükümlülükler | US$1.25b |
| Toplam varlıklar | US$1.68b |
Son finansal sağlık güncellemeleri
Güncelleme yok
Recent updates
Seeking Alpha • May 15
Root: Profitability Is Real, But The Easy Upside Looks Priced In
Summary Root, Inc. (ROOT) has transitioned from aggressive growth to sustainable profitability, posting record Q1 net income and a strong 91.4% combined ratio. ROOT’s tech-driven model enables rapid tariff adjustments, supporting margin stability amid inflation and operational flexibility across distribution channels. Valuation reflects optimism: ROOT trades at a premium P/E and P/B versus traditional insurers, justified by superior operational efficiency and tech advantage. Risks include slowing revenue growth, dependency on third-party channels, reinsurance cost exposure, and regulatory scrutiny of telematics and AI-based pricing. Read the full article on Seeking Alpha
Anlatı Güncellemesi • May 13
ROOT: Slowing Revenue Assumptions Will Test Sustainability Of Recent Margin Gains
Analysts have trimmed the price target on Root by $2 to $50, citing lower assumptions for revenue growth, slightly higher profit margin expectations, and a modestly higher future P/E multiple. Analyst Commentary Recent research shows a series of price target cuts on Root, even when results have come in ahead of prior expectations on some key metrics.Analiz Makalesi • May 05
With EPS Growth And More, Root (NASDAQ:ROOT) Makes An Interesting Case
The excitement of investing in a company that can reverse its fortunes is a big draw for some speculators, so even...Anlatı Güncellemesi • Apr 23
ROOT: Fair Outlook Balances Partnership Progress With Questions On Margin Durability
Analysts have reduced their average price target on Root from about $105 to $52. This change reflects updated views on fair value after recent target cuts, including adjustments related to operating trends and margin assumptions.
Anlatı Güncellemesi • Apr 08
ROOT: Lower Loss Ratio And PIF Momentum Will Support Future Upside
Analysts have reduced Root's average price target to reflect recent target cuts from $150 to $104, from $96 to $75, from $75 to $70, and from $90 to $52, citing updated views on growth, margins, pricing, and loss trends after the latest quarterly results. Analyst Commentary Recent research updates show that even as price targets have been reduced, some bullish analysts remain constructive on Root's execution and earnings profile, especially around the latest quarterly print.
Anlatı Güncellemesi • Mar 24
ROOT: Future Pricing And Loss Trends Will Drive Upside Potential
Analysts have trimmed the price target on Root to $90.00 from $111.60, citing lower fair value assumptions and more moderate expectations for revenue growth and profit margins, partly offset by a slightly higher future P/E multiple. Analyst Commentary Street research around Root reflects a mix of optimism on execution and caution on valuation risk, with several firms trimming price targets while maintaining neutral to positive ratings.Anlatı Güncellemesi • Mar 08
ROOT: Loss Ratio Discipline And Policy Momentum Will Support Future Upside
Analysts have reduced their price target on Root to $125 from $150, reflecting updated assumptions that include slightly lower revenue growth, a modestly higher profit margin profile, and a lower forward P/E multiple informed by recent research that trimmed targets following Q4 results. Analyst Commentary Recent Street research on Root has centered on how the latest quarterly results feed into updated valuation work, especially around earnings power, growth in policies in force, and the balance between revenue growth and operating efficiency.Anlatı Güncellemesi • Feb 22
ROOT: Pricing And Loss Trends Will Drive Upside Potential Ahead
Narrative Update on Root Analysts have trimmed their price target on Root from $96 to $75 as they now reflect updated views on pricing, loss trends, and reserves in the insurance sector, along with slightly higher discount rates and more cautious profit margin assumptions in their valuation work. Analyst Commentary Analysts are reworking their models on Root around the upcoming insurance sector earnings season, with attention centering on how pricing, loss trends, and reserves could influence the path for margins and valuation.Analiz Makalesi • Feb 12
Root, Inc. (NASDAQ:ROOT) Might Not Be As Mispriced As It Looks After Plunging 26%
Root, Inc. ( NASDAQ:ROOT ) shareholders that were waiting for something to happen have been dealt a blow with a 26...Anlatı Güncellemesi • Feb 08
ROOT: Pricing Discipline And Loss Management Will Support Future Upside Potential
Narrative update on Root Analysts have trimmed their price target on Root from US$96 to US$75, pointing to a sharper focus on pricing, loss trends, and reserves across the insurance group, with modest tweaks to long term revenue growth, profit margin, discount rate, and forward P/E assumptions. Analyst Commentary Bullish analysts looking at Root around upcoming insurance sector results are paying close attention to how the company manages pricing, loss trends, and reserves relative to peers in the P&C space.Anlatı Güncellemesi • Jan 24
ROOT: Pricing Discipline And Loss Trends Will Support Long-Term Upside Potential
Analysts trimmed their price target on Root to US$75 from US$96, citing a sharper focus on pricing, loss trends, and reserves heading into upcoming insurance sector earnings. Analyst Commentary Bullish analysts are treating the revised US$75 price target as a recalibration rather than a reversal in their broader view on Root.Anlatı Güncellemesi • Jan 10
ROOT: Cautious Assumptions Will Support Long-Term Upside Potential
Analysts now see Root’s fair value holding at $150.00 per share while applying slightly lower revenue growth and profit margin assumptions, along with a higher forward P/E, reflecting a more cautious outlook on the company’s medium term earnings power. Valuation Changes Fair Value: Fair value per share is unchanged at $150.00.Anlatı Güncellemesi • Dec 26
ROOT: West Coast Expansion Will Drive Long-Term Upside In Coming Years
Analysts have modestly raised their price target on Root, now implying intrinsic value of approximately $150.00 per share, as slightly stronger projected revenue growth more than offsets a marginally lower expected profit margin and a minimally higher forward earnings multiple. Valuation Changes Fair Value: Unchanged at an implied intrinsic value of approximately $150.00 per share, indicating a stable central valuation view.Anlatı Güncellemesi • Dec 12
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.Anlatı Güncellemesi • Oct 28
Premium Expansion Will Face Headwinds While Profitability Sees Continued Progress
The analyst consensus price target for Root has shifted downward, dropping from $140 to $105 according to recent updates. Analysts cite mixed performance in premium growth and profitability, despite better-than-expected earnings.Anlatı Güncellemesi • Oct 12
Next-generation AI Models Will Advance Insurance Yet Face Regulatory Hurdles
Analysts have lowered their average price target for Root from $130.60 to $124.40. They cite mixed trends in premium growth and company profitability despite recent earnings performance.Anlatı Güncellemesi • Aug 15
Next-generation AI Models Will Advance Insurance Yet Face Regulatory Hurdles
Despite strong operating income beats, improved earnings forecasts, and higher premium growth, ongoing concerns about weaker policy-in-force growth tempered analyst enthusiasm, resulting in the consensus analyst price target for Root remaining unchanged at $137.60. Analyst Commentary Bullish analysts cited higher earned premium growth and improved loss ratios contributing to a significant operating income beat versus expectations.Analiz Makalesi • Jul 12
Market Cool On Root, Inc.'s (NASDAQ:ROOT) Revenues Pushing Shares 25% Lower
Root, Inc. ( NASDAQ:ROOT ) shareholders won't be pleased to see that the share price has had a very rough month...Analiz Makalesi • May 04
Root, Inc. (NASDAQ:ROOT) Stocks Shoot Up 27% But Its P/S Still Looks Reasonable
Despite an already strong run, Root, Inc. ( NASDAQ:ROOT ) shares have been powering on, with a gain of 27% in the last...
Yeni Anlatı • Apr 23
Expansive Costs Will Undermine Future Profitability In US Insurance
Strategic investments in marketing and data science might boost future growth but will likely increase short-term expenses and pressure net margins.Analiz Makalesi • Mar 15
Root, Inc. (NASDAQ:ROOT) Looks Just Right With A 28% Price Jump
Root, Inc. ( NASDAQ:ROOT ) shares have continued their recent momentum with a 28% gain in the last month alone. The...Seeking Alpha • Feb 28
Root: Loving The Profits, But It's Fair Value Territory
Summary Root Insurance's profitability and growth have led to a re-rating from Buy to Hold due to increased share price and tariff uncertainties. Q4 showed revenue growth and an improved balance sheet, but increased expenses led to a slight EPS decline. Debt refinancing reduced interest expenses, enhancing future earnings potential, while tangible book value per share increased. Risks include dependency on Carvana partnership, competition from larger insurers, and potential impacts from Trump tariffs on auto sales. Read the full article on Seeking AlphaSeeking Alpha • Feb 18
Root Inc. Q4 2024 Earnings Preview
Summary Despite Root's profitability surge, the stock is overvalued due to unsustainable loss ratios and the stagnant auto insurance market. My DCF analysis indicates Root needs 20-40% sustained growth and industry-leading loss ratios to justify the current price. Root's Q4 earnings are expected to show improved EPS and revenue, but sequential declines suggest cautious optimism. I maintain a sell rating with a price target of $85.29, as the current valuation assumes near-perfect execution. Read the full article on Seeking AlphaSeeking Alpha • Jan 06
Root, Inc.: A Risky Play In The Insurtech Sector
Summary Root, Inc. leverages proprietary technology for precise auto insurance pricing, showing growth potential, but shares are currently expensive and volatile. Root's innovative approach uses individual driving data for personalized pricing, unlike traditional insurers, but faces strong competition from established market leaders. Despite recent profitability and improved loss ratios, Root's business model is still maturing, with volatile short-term profitability and high valuation risks. Root's long-term growth strategy includes nationwide expansion, partnerships, and cross-selling, but it remains a risky investment for those averse to volatility. Read the full article on Seeking AlphaAnaliz Makalesi • Dec 20
Root, Inc. (NASDAQ:ROOT) Stock's 30% Dive Might Signal An Opportunity But It Requires Some Scrutiny
The Root, Inc. ( NASDAQ:ROOT ) share price has softened a substantial 30% over the previous 30 days, handing back much...Analiz Makalesi • Nov 01
Root, Inc. (NASDAQ:ROOT) Stock Rockets 74% But Many Are Still Ignoring The Company
Root, Inc. ( NASDAQ:ROOT ) shareholders would be excited to see that the share price has had a great month, posting a...Seeking Alpha • Nov 01
Root, Inc. Has Entered The World Of Profits (Rating Upgrade)
Summary Root, Inc. has finally achieved its first profitable quarter, reducing the risks and providing a better basis for valuation. Following wild price fluctuation after ROOT's earnings release, the closing price fell to a fair range for no growth and a bargain if growth materializes. Auto insurance remains competitive, however, and bigger competitors may yet test Root's ability to capture market share from its small starting point. Overall, the confirmation of their strategy in Q3 and the value proposition make ROOT a compelling Buy. Read the full article on Seeking AlphaSeeking Alpha • Oct 24
Root Inc. Q3 Earnings Preview: Loss Ratio Not Sustainable
Summary Root, Inc. will announce Q3 2024 earnings post-market on October 30th. I do not believe the market is fairly valuing the impact of scaling and competition on Root's ability to drive margin. While there is upside potential if everything goes right, fundamental industry challenges will continue to constrain growth. Read the full article on Seeking AlphaAnaliz Makalesi • Aug 19
Take Care Before Jumping Onto Root, Inc. (NASDAQ:ROOT) Even Though It's 36% Cheaper
Root, Inc. ( NASDAQ:ROOT ) shares have had a horrible month, losing 36% after a relatively good period beforehand...Seeking Alpha • Aug 11
Root Inc: Rising Insurer In A Competitive Space
Summary Root, Inc. shares have seen impressive growth, but current price likely reflects most of the upside already. Root's digital approach to property-casualty auto insurance is a key differentiator, but competition from larger insurers remains a concern. With future expansion plans and improving financials, Root may become a contender in the auto-insurance industry, but current valuation may not justify investment. Read the full article on Seeking AlphaAnaliz Makalesi • Jun 19
Root, Inc. (NASDAQ:ROOT) Might Not Be As Mispriced As It Looks After Plunging 33%
Root, Inc. ( NASDAQ:ROOT ) shareholders won't be pleased to see that the share price has had a very rough month...Seeking Alpha • May 06
Root, Inc.: Promising Embedded Strategy With Potential Nationwide Expansion
Summary Root, Inc. is a leading auto insurtech company, leveraging data science and technology to improve underwriting performance. Despite weak overall share performance since going public, Root has seen significant growth over the past year, with its stock price increasing almost 10x. Root's strong financial performance, including revenue growth and narrowing net losses, suggests potential for continued growth and profitability. Read the full article on Seeking AlphaAnaliz Makalesi • May 05
Not Many Are Piling Into Root, Inc. (NASDAQ:ROOT) Stock Yet As It Plummets 32%
The Root, Inc. ( NASDAQ:ROOT ) share price has softened a substantial 32% over the previous 30 days, handing back much...Finansal Durum Analizi
Kısa Vadeli Yükümlülükler: ROOT 'nin kısa vadeli varlıkları ( $1.1B ) kısa vadeli yükümlülüklerini ( $550.7M ) aşıyor.
Uzun Vadeli Yükümlülükler: ROOT şirketinin kısa vadeli varlıkları ( $1.1B ) uzun vadeli yükümlülüklerini ( $696.3M ) aşmaktadır.
Borç-Özkaynak Tarihçesi ve Analizi
Borç Seviyesi: ROOT şirketinin toplam borcundan daha fazla nakiti var.
Borcun Azaltılması: ROOT şirketinin borç/öz sermaye oranı son 5 yılda 20.6% seviyesinden 45.7% seviyesine yükseldi.
Borç Kapsamı: ROOT 'nin borcu işletme nakit akışı ( 94.4% ) tarafından iyi bir şekilde karşılanmaktadır.
Faiz Kapsamı: ROOT 'in borcuna ilişkin faiz ödemeleri EBIT ( 3.9 x kapsam) tarafından iyi bir şekilde karşılanmaktadır.
Bilanço
Sağlıklı şirketleri keşfedin
Şirket Analizi ve Finansal Veri Durumu
| Veri | Son Güncelleme (UTC saati) |
|---|---|
| Şirket Analizi | 2026/05/24 11:52 |
| Gün Sonu Hisse Fiyatı | 2026/05/22 00:00 |
| Kazançlar | 2026/03/31 |
| Yıllık Kazançlar | 2025/12/31 |
Veri Kaynakları
Şirket analizimizde kullanılan veriler S&P Global Market Intelligence LLC'den alınmıştır. Bu raporu oluşturmak için analiz modelimizde aşağıdaki veriler kullanılmıştır. Veriler normalize edilmiştir, bu da kaynağın mevcut olmasından kaynaklanan bir gecikmeye neden olabilir.
| Paket | Veri | Zaman Çerçevesi | Örnek ABD Kaynağı * |
|---|---|---|---|
| Şirket Finansalları | 10 yıl |
| |
| Analist Konsensüs Tahminleri | +3 yıl |
|
|
| Piyasa Fiyatları | 30 yıl |
| |
| Sahiplik | 10 yıl |
| |
| Yönetim | 10 yıl |
| |
| Önemli Gelişmeler | 10 yıl |
|
* ABD menkul kıymetleri için örnek, ABD dışı için eşdeğer düzenleyici formlar ve kaynaklar kullanılmıştır.
Belirtilmediği sürece tüm finansal veriler yıllık bir döneme dayanmaktadır ancak üç ayda bir güncellenmektedir. Bu, İzleyen On İki Ay (TTM) veya Son On İki Ay (LTM) Verileri olarak bilinir. Daha fazla bilgi edinin.
Analiz Modeli ve Kar Tanesi
Bu raporu oluşturmak için kullanılan analiz modelinin ayrıntılarına GitHub sayfamızdan ulaşabilirsiniz, ayrıca raporlarımızı nasıl kullanacağınızı anlatan kılavuzlarımız ve Youtube'da eğitim videolarımız da bulunmaktadır.
Simply Wall St analiz modelini tasarlayan ve oluşturan dünya standartlarındaki ekip hakkında bilgi edinin.
Endüstri ve Sektör Metrikleri
Sektör ve bölüm metriklerimiz Simply Wall St tarafından her 6 saatte bir hesaplanmaktadır, sürecimizin ayrıntıları Github'da mevcuttur.
Analist Kaynakları
Root, Inc. 17 Bu analistlerden 6, raporumuzun girdisi olarak kullanılan gelir veya kazanç tahminlerini sunmuştur. Analistlerin gönderimleri gün boyunca güncellenmektedir.
| Analist | Kurum |
|---|---|
| Tracy Dolin-Benguigui | Barclays |
| Tracy Dolin-Benguigui | Barclays |
| Ross Sandler | Barclays |