Expectations trend
FY2027 · fiscal year ending 2027-12-31 · fmp
Root Inc/OH (ROOT)
NASDAQFinancialsInsurance - Property & CasualtySnapshot 2026-11-04
$57.15+6.09%
Close 2026-11-04 · 1-day change
NASDAQFinancialsInsurance - Property & CasualtySnapshot 2026-11-04
The long-term thesis, the evidence coming in, and the environment around it. Thesis dated Jul 8, 2026.
Next-FY EPS estimate change · 30 days
2.42 → 2.46 EPS · FY ending Dec 31, 2027 · 2 analysts
One observable signal. This measures changing earnings expectations, not the probability of a gain or loss.
Change in the same fiscal period’s mean EPS estimate from Oct 5, 2026 to Nov 4, 2026: (new ÷ prior − 1). Contributor count changed from 2 to 2; this is not the number of analysts revising. The ±10% axis is a display range.
The EPS and P/E reference is not available for ROOT yet.
| Measure / period | Management expectations | Analyst expectations |
|---|
Management figures unavailable.
Current consensus figures unavailable.
4 published thesis conditions, with dated milestones shown separately.
| Key Factor | Why It Matters | Current Status | Break Condition | Latest Evidence |
|---|---|---|---|---|
Maintain financial flexibility with $200 million credit agreement | Profitability and financial flexibility improve with a $200 million credit agreement. | Intact | Credit agreement is terminated or materially impaired | Direct metric needs a verified mapping The published measure or accounting basis is not supported by an exact source binding. Date unavailableLast status assessment Nov 4, 2026Compare required operating outcomesCompare scope, accounting basis and period before treating this evidence as progress against an annual requirement. |
Compare these dated observations with the operating requirements above
FY2027 · fiscal year ending 2027-12-31 · fmp
The evidence, the remaining questions, and what comes next
No recovery evidence is reported in the available driver assessments.
Observed price history; separate from operating scenarios
The weekly editorial context below is a separate assessment from the dated monitor evidence above. Recovery observations do not automatically change the published thesis. Unverified outside influences are hypotheses, not measured driver evidence.
This is a growth-oriented insurance business whose multi-year view depends on better pricing, underwriting, and broader reach. The thesis is intact, with recent financial performance in the top half of its industry, but company quality and management scores have recently weakened.
ROOT is valued at a premium to peers, while the evidence describes expectations as roughly aligned with the business outlook. The premium appears supported by a durable advantage, and no evidence indicates unusually fragile expectations; valuation is not clearly cheap relative to peers.
In the near term, strong results include a 92.1% net combined ratio in 2026-Q2, while lifetime value per quote improved nearly 15% in 2026-Q1. Expansion to 37 states and growing partnership and agent channels support the multi-year growth plan, although execution remains under watch and a guidance cut is a key near-term risk.
The multi-year thesis depends on new pricing models improving underwriting while ROOT continues expanding toward national coverage by the end of 2027. Near-term conditions could weaken if guidance is cut or rates fall; continued strong results and higher guidance from large insurance peers would support sector momentum.
For the next 1 to 3 years, ROOT’s long-term thesis rests on converting pricing, geographic expansion, and broader distribution into durable operating strength. Recent performance supports that case, but high risk and a premium valuation leave execution and rate sensitivity central. Not investment advice.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
| A primary condition in Root Inc/OH's published investment case. The stated target is >=2.36 USD_PER_SHARE. |
| Broken |
| EPS falls below $2.36 in FY25 |
Diluted EPS: $0.86 per share FY2026-Q3; GAAP. Published target: >=2.36 USD_PER_SHARE. Annual target cannot be compared with a quarterly or TTM observation. Nov 4, 20260.86 USD/share · source valueLast status assessment Nov 4, 2026Compare required operating outcomesCompare scope, accounting basis and period before treating this evidence as progress against an annual requirement. |
Root's revenue reaches at least $1.5 billion in FY26 | Root grows revenue to about $1.5 billion in 2026. | Intact | Revenue falls below $1.5 billion in FY26 | Revenue: $381.3M FY2026-Q3; GAAP. Published target: >=1.5 USD_BILLIONS. Annual target cannot be compared with a quarterly or TTM observation. Nov 4, 2026381,300,000 USD · source valueLast status assessment Nov 4, 2026Compare required operating outcomesCompare scope, accounting basis and period before treating this evidence as progress against an annual requirement. |
Complete $75 million share repurchase program | The company has a strong share buyback plan of $75 million. | Intact | Buyback program is canceled or materially delayed | Direct metric needs a verified mapping The published measure or accounting basis is not supported by an exact source binding. Date unavailableLast status assessment Nov 4, 2026Compare required operating outcomesCompare scope, accounting basis and period before treating this evidence as progress against an annual requirement. |
Stored thesis · Jul 8, 2026. Latest Evidence uses source-matched measurements where available, alongside the last thesis-monitor assessment. Source periods and assessment dates are shown separately. A new measurement does not automatically change the published status or verify an older target.
$3.06 → $2.46 · observed estimates
$1.67B → $1.55B · observed estimates
One fiscal period and provider throughout. At least five contributors are required for each plotted metric; missing coverage stays a gap. Axes show the observed range. Counts measure coverage, not revisions.
| Snapshot | EPS | Revenue | EPS / revenue analysts |
|---|---|---|---|
| 2026-07-24 | $3.06 | $1,674,250,290 | 2 / 5 |
| 2026-07-25 | $3.06 | $1,674,250,290 | 2 / 5 |
| 2026-07-26 | $3.06 | $1,674,250,290 | 2 / 5 |
| 2026-07-27 | $3.06 | $1,674,250,290 | 2 / 5 |
| 2026-07-28 | $3.06 | $1,674,250,290 | 2 / 5 |
| 2026-07-29 | $3.06 | $1,674,250,290 | 2 / 5 |
| 2026-07-30 | $2.62 | $1,703,928,709 | 2 / 5 |
| 2026-07-31 | $2.62 | $1,703,928,709 | 2 / 5 |
| 2026-08-01 | $2.62 | $1,703,928,709 | 2 / 5 |
| 2026-08-02 | $3.06 | $1,674,250,290 | 2 / 5 |
| 2026-08-03 | $2.62 | $1,703,928,709 | 2 / 5 |
| 2026-08-04 | $3.06 | $1,674,250,290 | 2 / 5 |
| 2026-08-05 | $2.62 | $1,703,928,709 | 2 / 5 |
| 2026-08-06 | $2.62 | $1,703,928,709 | 2 / 5 |
| 2026-08-08 | $2.82 | $1,630,741,910 | 2 / 6 |
| 2026-08-09 | $2.82 | $1,630,741,910 | 2 / 6 |
| 2026-08-10 | $2.82 | $1,630,741,910 | 2 / 6 |
| 2026-08-12 | $2.46 | $1,630,745,380 | 2 / 5 |
| 2026-08-13 | $2.82 | $1,582,891,090 | 2 / 6 |
| 2026-08-14 | $2.46 | $1,630,745,380 | 2 / 5 |
| 2026-08-15 | $2.46 | $1,630,745,380 | 2 / 5 |
| 2026-08-16 | $2.46 | $1,630,745,380 | 2 / 5 |
| 2026-08-17 | $2.46 | $1,630,745,380 | 2 / 5 |
| 2026-08-18 | $2.46 | $1,630,745,380 | 2 / 5 |
| 2026-08-19 | $2.46 | $1,630,745,380 | 2 / 5 |
| 2026-08-20 | $2.49 | $1,564,171,143 | 2 / 6 |
| 2026-08-21 | $2.49 | $1,564,171,143 | 2 / 6 |
| 2026-08-22 | $2.49 | $1,564,171,143 | 2 / 6 |
| 2026-08-23 | $2.49 | $1,564,171,143 | 2 / 6 |
| 2026-08-24 | $2.49 | $1,564,171,143 | 2 / 6 |
| 2026-08-25 | $2.49 | $1,564,171,143 | 2 / 6 |
| 2026-08-26 | $2.49 | $1,564,171,143 | 2 / 6 |
| 2026-08-27 | $2.49 | $1,564,171,143 | 2 / 6 |
| 2026-08-28 | $2.49 | $1,564,171,143 | 2 / 6 |
| 2026-08-29 | $2.42 | $1,553,521,143 | 2 / 6 |
| 2026-08-30 | $2.42 | $1,553,521,143 | 2 / 6 |
| 2026-08-31 | $2.42 | $1,553,521,143 | 2 / 6 |
| 2026-09-01 | $2.42 | $1,553,521,143 | 2 / 6 |
| 2026-09-02 | $2.42 | $1,553,521,143 | 2 / 6 |
| 2026-09-03 | $2.42 | $1,553,521,143 | 2 / 6 |
| 2026-09-04 | $2.42 | $1,553,521,143 | 2 / 6 |
| 2026-09-05 | $2.42 | $1,553,521,143 | 2 / 6 |
| 2026-09-06 | $2.42 | $1,553,521,143 | 2 / 6 |
| 2026-09-07 | $2.42 | $1,553,521,143 | 2 / 6 |
| 2026-09-08 | $2.42 | $1,553,521,143 | 2 / 6 |
| 2026-09-09 | $2.42 | $1,553,521,143 | 2 / 6 |
| 2026-09-10 | $2.42 | $1,553,521,143 | 2 / 6 |
| 2026-09-11 | $2.42 | $1,553,521,143 | 2 / 6 |
| 2026-09-12 | $2.42 | $1,553,521,143 | 2 / 6 |
| 2026-09-13 | $2.42 | $1,553,521,143 | 2 / 6 |
| 2026-09-14 | $2.42 | $1,553,521,143 | 2 / 6 |
| 2026-09-15 | $2.42 | $1,553,521,143 | 2 / 6 |
| 2026-09-16 | $2.42 | $1,553,521,143 | 2 / 6 |
| 2026-09-17 | $2.42 | $1,553,521,143 | 2 / 6 |
| 2026-09-18 | $2.42 | $1,553,521,143 | 2 / 6 |
| 2026-09-19 | $2.42 | $1,553,521,143 | 2 / 6 |
| 2026-09-20 | $2.42 | $1,553,521,143 | 2 / 6 |
| 2026-09-21 | $2.42 | $1,553,521,143 | 2 / 6 |
| 2026-09-22 | $2.42 | $1,553,521,143 | 2 / 6 |
| 2026-09-23 | $2.42 | $1,553,521,143 | 2 / 6 |
| 2026-09-24 | $2.42 | $1,553,521,143 | 2 / 6 |
| 2026-09-25 | $2.42 | $1,553,521,143 | 2 / 6 |
| 2026-09-26 | $2.42 | $1,553,521,143 | 2 / 6 |
| 2026-09-27 | $2.42 | $1,553,521,143 | 2 / 6 |
| 2026-09-28 | $2.42 | $1,553,521,143 | 2 / 6 |
| 2026-09-29 | $2.42 | $1,553,521,143 | 2 / 6 |
| 2026-09-30 | $2.42 | $1,553,521,143 | 2 / 6 |
| 2026-10-01 | $2.42 | $1,553,521,143 | 2 / 6 |
| 2026-10-02 | $2.42 | $1,553,521,143 | 2 / 6 |
| 2026-10-03 | $2.42 | $1,553,521,143 | 2 / 6 |
| 2026-10-04 | $2.42 | $1,553,521,143 | 2 / 6 |
| 2026-10-05 | $2.42 | $1,553,521,143 | 2 / 6 |
| 2026-10-06 | $2.42 | $1,553,521,143 | 2 / 6 |
| 2026-10-07 | $2.42 | $1,551,507,760 | 2 / 6 |
| 2026-10-08 | $2.42 | $1,551,507,760 | 2 / 6 |
| 2026-10-09 | $2.42 | $1,551,507,760 | 2 / 6 |
| 2026-10-10 | $2.42 | $1,551,507,760 | 2 / 6 |
| 2026-10-11 | $2.42 | $1,551,507,760 | 2 / 6 |
| 2026-10-12 | $2.42 | $1,551,507,760 | 2 / 6 |
| 2026-10-13 | $2.46 | $1,548,874,426 | 2 / 5 |
| 2026-10-14 | $2.46 | $1,548,874,426 | 2 / 5 |
| 2026-10-15 | $2.46 | $1,548,874,426 | 2 / 5 |
| 2026-10-16 | $2.46 | $1,548,874,426 | 2 / 5 |
| 2026-10-17 | $2.46 | $1,548,874,426 | 2 / 5 |
| 2026-10-18 | $2.46 | $1,548,874,426 | 2 / 5 |
| 2026-10-19 | $2.46 | $1,548,874,426 | 2 / 5 |
| 2026-10-20 | $2.46 | $1,548,874,426 | 2 / 5 |
| 2026-10-21 | $2.46 | $1,548,874,426 | 2 / 5 |
| 2026-10-22 | $2.46 | $1,548,874,426 | 2 / 5 |
| 2026-10-23 | $2.46 | $1,548,874,426 | 2 / 5 |
| 2026-10-24 | $2.46 | $1,548,874,426 | 2 / 5 |
| 2026-10-25 | $2.46 | $1,548,874,426 | 2 / 5 |
| 2026-10-26 | $2.46 | $1,548,874,426 | 2 / 5 |
| 2026-10-27 | $2.46 | $1,548,874,426 | 2 / 5 |
| 2026-10-28 | $2.46 | $1,548,874,426 | 2 / 5 |
| 2026-10-29 | $2.46 | $1,548,874,426 | 2 / 5 |
| 2026-10-30 | $2.46 | $1,548,874,426 | 2 / 5 |
| 2026-10-31 | $2.46 | $1,548,874,426 | 2 / 5 |
| 2026-11-01 | $2.46 | $1,548,874,426 | 2 / 5 |
| 2026-11-02 | $2.46 | $1,548,874,426 | 2 / 5 |
| 2026-11-03 | $2.46 | $1,548,874,426 | 2 / 5 |
| 2026-11-04 | $2.46 | $1,548,874,426 | 2 / 5 |
Revenue and EPS estimates track expectations. They are not delivered results or like-for-like proof of a required annual path.
Latest: 1 Buy / Strong Buy · 5 Hold · 0 Sell / Strong Sell
Recent actions · Oct 6–Nov 4 · 1 recorded
Individual price-target observations are unavailable.
0 raises · 0 cuts · 0 unchanged · 0 without a comparable prior
Oct 6, 2026–Nov 4, 2026. Each firm's latest positive target is paired only with its immediately prior positive target from the same provider, at most 180 days earlier. Unmatched observations have one dot; conflicting observations are not compared.
Next earnings date unavailable
Look for updated results and guidance against the published targets, plus direct evidence for unresolved drivers.
Review earnings4 of 4 published conditions remain under pressure or need verification. The next results need to address those conditions.
The dated weekly assessment and its assumptions are available in Read detailed Outlook.