Root, Inc.

Сильный индекс, значительно вырос. Быки крепко уверены в своих позициях.

Strong index, significantly up. The bulls are very confident in their positions.

Сильный индекс, незначительно упал. Рынок не поддерживает быков.

Strong index, slightly down. The market does not support the bulls.

Сильный индекс, значительно упал. Отток средств из лонгов на высоком уровне.

Strong index, significantly down. Outflow of funds from longs at a high level.

Root Inc. ROOT is increasingly using partnerships to diversify its distribution and support long-term profitable growth. In the second quarter of 2026, partnership and independent-agent channels accounted for approximately 51% of new writings, up from 44% a year earlier. However, acquisition expenses also rose year over year, making cost efficiency a key to profitable partnership growth.
ROOT has built partnerships across automotive and financial services. Its Carvana integration has generated more than 200,000 policies, while newer relationships with Jerry and Experian provide access to customers through high-intent digital platforms. ROOT also lists partnerships with Hyundai Capital America and Toyota.
These relationships could become increasingly important to ROOT's economics. Embedded distribution allows customers to buy insurance within platforms where they are already shopping, potentially reducing acquisition friction and improving efficiency. Independent-agent partnerships further expand ROOT's reach without requiring the company to rely solely on its direct channel.
The benefit grows as ROOT's underwriting improves. Its net underwriting margin rose 310 bps year over year to 7.9% in the second quarter of 2026, while the net combined ratio improved to 92.1%.
If the company can continue expanding its partnership channels while maintaining disciplined pricing and risk selection, a growing policy base could generate attractive underwriting economics. Over time, the ability to scale partnership-driven growth while improving acquisition-cost efficiency could make partnerships an important driver of ROOT’s long-term earnings growth.
What About Its Peers?
The Progressive Corporation PGR continues to strengthen its distribution through independent agents and strategic partnerships. Its integrations with automotive platforms allow customers to access auto insurance during the vehicle-buying process, helping Progressive reach them at key points in their purchasing journey.
Lemonade, Inc. LMND is also expanding its digital distribution through technology partnerships. Its API enables third-party platforms to integrate insurance quoting, policy issuance and payments, allowing Lemonade to reach customers directly through digital channels.
ROOT’s Price Performance
Shares of ROOT have increased 23.2% over the past six months compared with the industry’s 4.3% growth.
Image Source: Zacks Investment Research
ROOT’s Valuation
The stock is currently trading at a price-to-book multiple of 2.93, higher than the industry average of 1.52X. Yet, it carries a Value Score of A.
Image Source: Zacks Investment Research
Earnings Sentiment for ROOT
The Zacks Consensus Estimate for 2026 earnings per share (EPS) indicates a year-over-year improvement of 89%, while the estimate for 2027 indicates a 40.4% year-over-year decline. ROOT has a Growth Score of A.
The consensus estimate for 2026 and 2027 earnings has witnessed no movement in the last 30 days.
Image Source: Zacks Investment Research
ROOT stock currently carries a Zacks Rank #3 (Hold). You can see the complete list of today’s Zacks #1 Rank (Strong Buy) stocks here.
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This article originally published on Zacks Investment Research (zacks.com).

ROOT's Partnership Strategy Push Could Unlock Profitable Growth

(RTTNews) - Root, Inc. (ROOT), a car insurance provider, announced the extension of its exclusive embedded partnership with Carvana (CVNA).
In 2022, Root and Carvana launched 'Carvana Insurance Built with Root', an industry-first embedded insurance product that seamlessly integrates personalized coverage into the car-buying journey.
The agreement extends the partnership through at least August 2028, reinforcing a technology-driven collaboration that still reshapes the automotive and insurance customer experience.
According to the company, the partnership transformed car buying by making insurance simpler, faster, and more intuitive. In under four years, it surpassed 200,000 policies, combining Carvana's customer experience with Root's data science to deliver an industry-first, 3-click insurance purchase at checkout.
On the Nasdaq in the after-hours activity, the shares of Root traded 1.62 percent higher at $55.99, after closing Tuesday's regular trading 0.70 percent down.
In the overnight activity on the NYSE, Carvana shares were trading 0.46 percent lower at $71.85, extending the 1.74 percent drop at Tuesday's close.

Root Extends Embedded Partnership With Carvana Through At Least August 2028

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Root (ROOT) Q2 2026 Earnings Call Transcript

Key Points
Root transitioned to profitability through disciplined underwriting and embedded distribution partnerships.
Proprietary telematics data creates a persistent pricing advantage against traditional insurance carriers.
Intense market competition and potential customer churn pose ongoing risks to long-term scaling.
When a driver gets behind the wheel, their behavior generates a stream of data points that most traditional insurers simply ignore. Root (NASDAQ:ROOT) turns this information into an advantage, using telematics to price auto insurance based on how people actually drive rather than static demographic assumptions.
The company operates as a full-stack, tech-native insurance carrier, reaching customers primarily through its mobile app and embedded partnerships with platforms like Carvana. With the stock priced at $52.60 as of Aug. 11, 2026, it has seen a volatile year, falling 40% over the last 12 months as the market weighed the company's aggressive pivot toward profitability against broader industry headwinds.
Our proprietary Hidden Gems scoring system assigns Root an overall Superscore of 74 out of 100, placing it in the Above Average category. The Superscore is an AI-powered score that evaluates a company's overall strength by combining financial performance, product market position, technological capabilities, leadership quality, and relative valuation. It represents the unification of all our scores into a single score for public companies, with five rating bands: Exceptional (90-100), Strong (75-89), Above Average (60-74), Average (40-59), and Cautious (0-39). This score places Root in the Top ~21% of all companies we track, ahead of roughly 79 out of every 100 companies in our database. The Superscore acts as a starting point for your research, and this piece breaks down the specific operational realities that hold it in this position so you can weigh the company's path to maturity against its lingering risks.
Why Root Has a 74 Superscore
Profitable pivot: After years of heavy cash burn, the company successfully transitioned to profitability, reporting $40 million in net income for fiscal 2025.
Embedded growth: Partnerships with major platforms like Carvana (NYSE:CVNA) act as a cost-efficient distribution engine that drives steady policy growth.
Underwriting discipline: The company reduced its gross loss ratio to 58% in 2025, proving its telematics-based pricing models can accurately segment risk.
Data-driven moat: Over 36 billion miles of driving data trains its proprietary AI models to price risks more accurately than traditional carriers can.
Capital optimization: Management strategically refinanced its debt and optimized its reinsurance structures to reduce interest costs and boost cash flow.
Why Is Root's Superscore Not Higher?
Competitive intensity: The U.S. personal auto insurance market is dominated by massive, well-capitalized incumbents that can engage in protracted price wars.
Customer friction: Significant user feedback highlights ongoing frustrations with premium adjustments and claims processing, which could dampen long-term retention.
Regulatory hurdles: State-level insurance commissions occasionally limit the use of certain telematics data, curbing the company's ability to apply its pricing model uniformly.
Valuation sensitivity: Trading at a trailing P/E of 15.7, the stock requires consistent double-digit earnings growth to justify its current price, leaving little room for error if expansion slows. Many leading property insurers trade at single-digit P/E ratios.
Hidden Gems Database Scores at a Glance
Score
Score (out of 100)
Rank
Supporting Data Point
Product (1Y)
76
Top ~20%
Strong execution in embedded partnerships and profitability mark a clear inflection point.
Product (5Y)
56
Bottom ~44%
Historical volatility and high early losses weigh down long-term averages.
Financial (1Y)
83
Top ~9%
Achieved consistent GAAP profitability and robust cash flow in fiscal 2025.
Financial (5Y)
66
Top ~30%
Transitioned from extreme startup losses to a self-funding business model.
Leaders
67
Bottom ~43%
Management displays disciplined capital allocation but faces governance questions from a dual-class share structure.
AI
78
Top ~8%
Proprietary telematics dataset provides a structural pricing advantage that is difficult for rivals to replicate.
Valuation Risk
67
Top ~22%
The company trades at a P/S ratio of 0.51 and an EV/EBITDA of 4.28.
Is Root Right For Your Portfolio?
This stock warrants a closer look if...
You are interested in companies leveraging AI to disrupt legacy sectors, potentially offering exposure similar to bank ETFs that track tech-enabled financial services.
You believe that data-driven, telematics-based insurance pricing will continue to gain market share from legacy providers.
You may want to keep researching before buying if...
You are risk-averse and prefer insurers with decades of stable underwriting history and predictable dividend distributions.
You are concerned that aggressive competition from well-funded legacy carriers could compress margins as the company scales.
The Superscore is one data-driven signal worth investigating, and you should weigh it against your own financial goals and risk tolerance before making any investment decision.
My 5-year prediction for Root stock
There’s a lot to like about this data-driven insurer. Root has turned an unadjusted net profit in each of the last three quarters, the balance sheet holds more cash than debt, and the net combined ratio dropped from 103% to 92% over the last two years. Anything below 100% on that efficiency metric means the company runs a profitable insurance business.
Investors have noticed, of course. Root’s stock is up more than fivefold over the past three years, despite a steep drop year-to-date. Automated insurance services such as Root and Lemonade (NYSE:LMND) appear poised to disrupt the trillion-dollar insurance industry with fast, efficient, and customer-friendly offerings.
Now, the company has a lot of growing and learning to do. Its insurance plans are only as effective as the underlying artificial intelligence systems, which learn the ropes from Root’s real-world data collection.
At the same time, Root may have turned the corner into profitability a bit too quickly. The company has focused on profit margins over customer growth in recent quarters, leaving potential sales on the table and slowing its top-line growth.
I expect the slowdown to be temporary. Root needs to get back to market expansion while AI-powered insurance models are still rule-breaking upstarts. Otherwise, more aggressive rivals like Lemonade could dominate this sub-industry.
Five years from now, I expect Root to be a larger and more profitable business, but not necessarily a market leader. The company has proven its model works; now it needs to prove it can scale. If Root can do that, early investors will look like geniuses in 2031.
The Hidden Gems Superscore reflects The Motley Fool's proprietary AI-driven evaluation of a company across product, financial, leadership, and valuation pillars as of the article date and may change over time. Performance figures are point-in-time. Past performance does not guarantee future results.
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Anders Bylund has positions in Lemonade. The Motley Fool has positions in and recommends Lemonade. The Motley Fool has a disclosure policy.
The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc.

Root's 2026 Outlook: AI-Driven Telematics Model Gains Scale Through Embedded Growth Partnerships

Among the underlying components of the Russell 3000 index, we saw noteworthy options trading volume today in Root Inc (Symbol: ROOT), where a total of 3,220 contracts have traded so far, representing approximately 322,000 underlying shares. That amounts to about 108.5% of ROOT's average daily trading volume over the past month of 296,735 shares. Particularly high volume was seen for the $65 strike call option expiring May 15, 2026, with 1,095 contracts trading so far today, representing approximately 109,500 underlying shares of ROOT. Below is a chart showing ROOT's trailing twelve month trading history, with the $65 strike highlighted in orange:
Alphabet Inc (Symbol: GOOGL) options are showing a volume of 291,020 contracts thus far today. That number of contracts represents approximately 29.1 million underlying shares, working out to a sizeable 107.2% of GOOGL's average daily trading volume over the past month, of 27.2 million shares. Especially high volume was seen for the $400 strike call option expiring May 08, 2026, with 21,343 contracts trading so far today, representing approximately 2.1 million underlying shares of GOOGL. Below is a chart showing GOOGL's trailing twelve month trading history, with the $400 strike highlighted in orange:
And Palantir Technologies Inc (Symbol: PLTR) options are showing a volume of 561,168 contracts thus far today. That number of contracts represents approximately 56.1 million underlying shares, working out to a sizeable 105.8% of PLTR's average daily trading volume over the past month, of 53.0 million shares. Especially high volume was seen for the $140 strike call option expiring May 08, 2026, with 44,370 contracts trading so far today, representing approximately 4.4 million underlying shares of PLTR. Below is a chart showing PLTR's trailing twelve month trading history, with the $140 strike highlighted in orange:
For the various different available expirations for ROOT options, GOOGL options, or PLTR options, visit StockOptionsChannel.com.
Also see:
Selling Calls For Income
VNO Dividend History
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The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc.

Notable Thursday Option Activity: ROOT, GOOGL, PLTR

Looking at options trading activity among components of the Russell 3000 index, there is noteworthy activity today in Root Inc (Symbol: ROOT), where a total volume of 2,642 contracts has been traded thus far today, a contract volume which is representative of approximately 264,200 underlying shares (given that every 1 contract represents 100 underlying shares). That number works out to 87.1% of ROOT's average daily trading volume over the past month, of 303,170 shares. Particularly high volume was seen for the $45 strike call option expiring April 17, 2026, with 675 contracts trading so far today, representing approximately 67,500 underlying shares of ROOT. Below is a chart showing ROOT's trailing twelve month trading history, with the $45 strike highlighted in orange:
Enphase Energy Inc. (Symbol: ENPH) saw options trading volume of 45,088 contracts, representing approximately 4.5 million underlying shares or approximately 82.3% of ENPH's average daily trading volume over the past month, of 5.5 million shares. Especially high volume was seen for the $38 strike call option expiring May 01, 2026, with 17,128 contracts trading so far today, representing approximately 1.7 million underlying shares of ENPH. Below is a chart showing ENPH's trailing twelve month trading history, with the $38 strike highlighted in orange:
And SanDisk Corp (Symbol: SNDK) options are showing a volume of 150,907 contracts thus far today. That number of contracts represents approximately 15.1 million underlying shares, working out to a sizeable 81.7% of SNDK's average daily trading volume over the past month, of 18.5 million shares. Especially high volume was seen for the $900 strike call option expiring April 17, 2026, with 6,261 contracts trading so far today, representing approximately 626,100 underlying shares of SNDK. Below is a chart showing SNDK's trailing twelve month trading history, with the $900 strike highlighted in orange:
For the various different available expirations for ROOT options, ENPH options, or SNDK options, visit StockOptionsChannel.com.
Also see:
SAFE Dividend Stocks
ROK Historical Stock Prices
Warren Buffett Dividend Stock Portfolio
The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc.

Notable Wednesday Option Activity: ROOT, ENPH, SNDK

Key Points
Root and Progressive both fit "insurtech," albeit differently.
Progressive's tech serves a D2C strategy; Root's tech serves distributors.
Root is smaller, only has to win shares from small rivals, and is priced for less.
Progressive (NYSE: PGR) is a well-known insurance company, having the "defensive" qualities of insurance without giving up growth. Root (NASDAQ: ROOT), a much smaller auto insurer, has quickly been capturing market share. Both have a lot in common, but which should prove to be a better pick?
Comparing their insurance products
Progressive and Root primarily offer personal lines of auto insurance. Being larger, Progressive offers a more diverse product line. Commercial lines make up about 13% of premiums written, while property makes up about 4%. It is still primarily exposed to trends in auto insurance.
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Younger and smaller, Root almost solely underwrites personal auto lines, focused on doing this well. While it offers homeowners and renters lines, these are not meaningful, and Root does not segregate them from total net premiums earned. This makes it more of an auto pure play for now. Being smaller gives it a better profitable growth angle too. Between 2023 and 2025, Root grew premiums written from $733 million to $1.5 billion. In that same period, Root's combined ratio improved from 133.2% to 98.2%.
Both are also known for doing insurance in a very tech-friendly matter, fitting under the "insurtech" umbrella. As their insurance products are mostly the same too, the key is in how each leverages technology to provide their product.
The difference is in distribution
Founded in 1937, Progressive is an old player that seized on new tech to enhance an existing business. It was first to create a website and sell policies online. It pioneered telematics through the Snapshot program, which monitors driving habits in real time to build data models (in exchange for better pricing to customers). Of course, it has a successful mobile app as well.
Root does these things too, but the core approach is different. Founded in 2015, tech is more deeply embedded into the strategy. Root made telematics enrollment the default, rather than opt-in. Root's data-driven underwriting leans on near-100% participation. While that sounds major on its own, the real difference is how Root scales it, leveraging tech in a way that Progressive and other big insurers didn't: distribution.
Management views distribution "as a technology problem". They have developed Root's software to embed seamlessly into the systems of dealers and even manufacturers. The first example of this was the partnership with Carvana, announced in 2021. Root's revenue began to grow rapidly in the years that followed, reaching a GAAP profit of $29.2 million in 2024. It has since replicated this among other partners, fueling continued growth. These partnerships put Root's product directly in front of customers who are purchasing vehicles.
Progressive's growth hurdles
Lacking a similar strategy, Progressive faces the hurdles of its size. With 17% market share, it is the second-largest auto underwriter in the US. Growth depends on out-competing other large rivals and cost optimization. Branching into other lines of insurance remains tricky. Coming out of 2022's costly storm season, Progressive began exiting homeowners markets that were difficult to underwrite profitably, suggesting it's more in a phase of steady growth.
Root isn't so constrained, active only in 36 states at the end of 2025. It can enter others opportunistically and can continue to saturate those that serve them best.
Root is a "big fish" buy
Root is not a David defeating Progressive's Goliath, as the businesses themselves are concerned. Root is more of a big fish in a small pond, taking business from peers much lower on the market share rankings. With less than 1% of US auto market share, it has much more room to grow before it has to butt heads with titans like Progressive.
When looking at Price/Book as a valuation, ROOT trades at 3x , while PGR trades at 4.1x. Root is growing faster, has more untapped opportunities, and is priced for less. These two factors, price and fundamentals, show ample signs of ROOT outperforming PGR over the long run.
Root may not have a charming mascot like Flo, but that's exactly why its distribution strategy is overlooked by the market in the first place.
Should you buy stock in Root right now?
Before you buy stock in Root, consider this:
The Motley Fool Stock Advisor analyst team just identified what they believe are the 10 best stocks for investors to buy now… and Root wasn’t one of them. The 10 stocks that made the cut could produce monster returns in the coming years.
Consider when Netflix made this list on December 17, 2004... if you invested $1,000 at the time of our recommendation, you’d have $514,000!* Or when Nvidia made this list on April 15, 2005... if you invested $1,000 at the time of our recommendation, you’d have $1,105,029!*
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*Stock Advisor returns as of March 16, 2026.
Joseph Parrish has positions in ROOT. The Motley Fool has positions in and recommends Progressive. The Motley Fool has a disclosure policy.
The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc.

This Big Fish Should Outpeform Progressive

Among the underlying components of the Russell 3000 index, we saw noteworthy options trading volume today in Root Inc (Symbol: ROOT), where a total of 2,724 contracts have traded so far, representing approximately 272,400 underlying shares. That amounts to about 76.9% of ROOT's average daily trading volume over the past month of 354,350 shares. Particularly high volume was seen for the $130 strike call option expiring June 18, 2026, with 351 contracts trading so far today, representing approximately 35,100 underlying shares of ROOT. Below is a chart showing ROOT's trailing twelve month trading history, with the $130 strike highlighted in orange:
International Seaways Inc (Symbol: INSW) options are showing a volume of 3,765 contracts thus far today. That number of contracts represents approximately 376,500 underlying shares, working out to a sizeable 76.8% of INSW's average daily trading volume over the past month, of 490,255 shares. Particularly high volume was seen for the $70 strike call option expiring March 20, 2026, with 1,727 contracts trading so far today, representing approximately 172,700 underlying shares of INSW. Below is a chart showing INSW's trailing twelve month trading history, with the $70 strike highlighted in orange:
And Amazon.com Inc (Symbol: AMZN) options are showing a volume of 493,883 contracts thus far today. That number of contracts represents approximately 49.4 million underlying shares, working out to a sizeable 76.4% of AMZN's average daily trading volume over the past month, of 64.6 million shares. Especially high volume was seen for the $210 strike call option expiring February 27, 2026, with 31,112 contracts trading so far today, representing approximately 3.1 million underlying shares of AMZN. Below is a chart showing AMZN's trailing twelve month trading history, with the $210 strike highlighted in orange:
For the various different available expirations for ROOT options, INSW options, or AMZN options, visit StockOptionsChannel.com.
Also see:
OY Videos
ELS Options Chain
NI Dividend History
The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc.

Noteworthy Thursday Option Activity: ROOT, INSW, AMZN

Root (ROOT) Q4 2025 Earnings Call Transcript

(RTTNews) - Root, Inc. (ROOT) reported a profit for fourth quarter that Dropped, from last year
The company's earnings came in at $5.1 million, or $0.31 per share. This compares with $20.9 million, or $1.30 per share, last year.
The company's revenue for the period rose 21.5% to $397.0 million from $326.7 million last year.
Root, Inc. earnings at a glance (GAAP) :
-Earnings: $5.1 Mln. vs. $20.9 Mln. last year. -EPS: $0.31 vs. $1.30 last year. -Revenue: $397.0 Mln vs. $326.7 Mln last year.
The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc.

Indicator	Feb 26	Mar 26	Jun 26	Jul 26	Oct 26	TTM	Median
P/E	—	13.07	15.62	17.75	12.91	12.91	12.91
Price/Sales	0.59	0.47	0.59	0.64	—	0.64	2.16
P/B	2.13	1.58	1.97	2.15	—	2.15	1.22
P/FCF	4.31	4.35	5.33	5.91	4.40	4.40	10.38

Indicator	Feb 26	Mar 26	Jun 26	Jul 26	Oct 26	TTM	Median
ROE	—	14.03	14.05	—	—	14.05	11.06
ROA	—	3.34	—	—	—	3.34	1.27
ROI	—	9.29	9.47	—	—	9.47	7.63
Net Worth	—	0.76	—	1.03	—	1.03	1.01
Quick Ratio	—	0.00	0.00	—	—	0.00	1.42
Current Ratio	—	1.06	1.01	—	—	1.01	0.98

Indicator	Feb 26	Mar 26	Jun 26	Jul 26	Oct 26	TTM	Median
Net Profit Margin	—	3.52	—	—	—	3.52	17.62
Operating Margin	—	5.06	5.55	—	—	5.55	25.00
Gross Margin	—	39.44	39.22	—	—	39.22	71.98
Return on tangible equity	—	14.03	14.05	—	—	14.05	12.85

Root, Inc.

Recent quarterly and TTM performance

Valuation

Debts

Efficiency

Other ratios

Revenue

Indicator	Feb 26	Mar 26	Jun 26	Jul 26	Oct 26	TTM	Median
EPS	0.31	—	—	—	—	0.31	0.71
EPS Forecast	0.03	—	—	—	—	0.03	0.73
Revenue	—	394.00M	—	—	—	394.00M	90.00M
Gross Profit	—	167.00M	149.00M	—	—	149.00M	—
EBITDA	—	44.00M	37.00M	—	—	37.00M	—