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Root is a technology insurance company founded on the idea that car insurance rates should be based primarily on driving behaviors, not demographics. We are revolutionizing the archaic car insurance industry by using modern technology, data science, and telematics to offer fair, personalized rates to good drivers.
Net margin is thin at 2.66%. This may reflect rising credit costs, rate compression, or operational inefficiency.
Revenue grew 29.0% YoY.
Traditional FCF and operating-margin metrics are not meaningful for financial institutions. Evaluate using net interest margin, credit quality, and capital ratios instead.
Profitability & Returns
Revenue (TTM)
$1.56B
▲ +29.0% YoY
Net Income (TTM)
$58M
▲ +30.4% YoY
Net Margin
3.70%
P/E
—
Balance Sheet
Total Assets
$1.68B
Equity
$326M
Total Debt
$200M
Cash & Equiv.
$608M
5Y CAGR: +34.3%
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