Root Inc/OH (ROOT)
NASDAQFinancialsInsurance - Property & CasualtySnapshot 2026-11-05
$46.28-19.02%
Close 2026-11-05 · 1-day change
NASDAQFinancialsInsurance - Property & CasualtySnapshot 2026-11-05
QuarterlyIQ Insights · ROOT
How strong the business is — where it ranks within its sector on capital efficiency and cash generation, and how well management has been executing.
How management runs the business: capital, margins, balance sheet, and how reliably they guide and deliver.
A guidance track record builds as the company issues and delivers on guidance.
Priorities management has stated in recent disclosures, with status and evidence drawn from earnings calls, filings, and press releases.
We remained disciplined in Direct and deployed capital only where expected returns met our thresholds.
Stated in 3 of 3 supplied quarters. Management reported: “2. Delivered a 97.2% net combined ratio, improving 4.9 points year-over-year, and a 61.1% gross accident period loss ratio, within our long-term target range of 60% to 65%.” “Underwriting remained strong. Our 97.2% net combined ratio improved 4.9 points year-over-year, while gross accident period loss ratio was 61.1%, within our long-term target range of 60% to 65%.”
Each factor is a parallel diagnostic with a clear read of what it shows and how names like it have historically fared. Never aggregated into a single score.
Operating income rose in 1 of the last 3 quarter-over-quarter moves. Historically, Financials names rated neutral grew net income 55% of the time over the next year (vs 61% for the rest of the cohort, n=10284).
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
“We remained disciplined in Direct and deployed capital only where expected returns met our thresholds.”
“When these cycles occur, we remain disciplined: we plan to pursue growth only when it meets our target returns.”
“This reflects our ability to selectively deploy capital into the most attractive opportunities while maintaining underwriting discipline.”
New writings across our Partnership channel grew 19% year over year and represented 52% of total new writings, up from 44% in the prior-year period.
Stated in 3 of 3 supplied quarters. Management reported: “New writings across our Partnership channel grew 19% year over year and represented 52% of total new writings, up from 44% in the prior-year period.” “5. Renewed and extended our commercial relationship with Carvana through August 2028; since September 2022 through August 2026, more than 250,000 Root policies have been written through Carvana’s integrated insurance experience.”
“New writings across our Partnership channel grew 19% year over year and represented 52% of total new writings, up from 44% in the prior-year period.”
“6 Letter to Shareholders: Q2 2026 ____________________________________________________________________________________________________________ Partnership and independent agent channels represented a…”
“4. Partnerships Our Partnership channel grew new writings nearly 30% year-over-year despite increased competition, demonstrating the unique moat we’ve built around our customers in this channel.”
During the third quarter, we repurchased $36.2 million of Root shares, excluding transaction costs, under our $75 million share repurchase authorization, while continuing to invest in organic growth,…
Stated in 3 of 3 supplied quarters. Management reported: “During the third quarter, we repurchased $36.2 million of Root shares, excluding transaction costs, under our $75 million share repurchase authorization, while continuing to invest in organic growth, technology and pricing, partnerships, and strategic opportunities.” “We also repurchased more than $20 million of our shares under our $75 million share repurchase authorization during the second quarter.”
“During the third quarter, we repurchased $36.2 million of Root shares, excluding transaction costs, under our $75 million share repurchase authorization, while continuing to invest in organic growth,…”
“We also repurchased more than $20 million of our shares under our $75 million share repurchase authorization during the second quarter.”
“Consistent with this approach, we recently announced that our board of directors has authorized a share repurchase program of up to $75 million, reflecting both our confidence in the durability of ou…”
We completed development of our latest proprietary pricing model and began deploying it in the fourth quarter.
Stated in 3 of 3 supplied quarters. Management reported: “We completed development of our latest proprietary pricing model and began deploying it in the fourth quarter.” “Continued advancing our next-generation pricing model, expected to launch in the fourth quarter, which we believe will further improve segmentation, customer lifetime value, rate competitiveness, and long-term growth 7.”
“We completed development of our latest proprietary pricing model and began deploying it in the fourth quarter.”
“Continued advancing our next-generation pricing model, expected to launch in the fourth quarter, which we believe will further improve segmentation, customer lifetime value, rate competitiveness, and…”
“We also continued to make progress on R&D for our next model, expected to go live in the market this year.”
During the quarter, we successfully refinanced our existing $200 million debt into a new term loan facility led by The Huntington National Bank, reducing our cost of debt and increasing financial fle…
Over the trailing year it converted 3.95x of net income into operating cash flow. Historically, Financials names rated robust grew net income 62% of the time over the next year (vs 56% for the rest of the cohort, n=6873).
Most sensitive to the broad stock market.
Not enough signal to read sensitivity to the US dollar, real (inflation-adjusted) rates, Fed net liquidity, long-term interest rates (low R² over the window).
7 material management or governance events in the past 24 months, led by capital-allocation actions. Historically, Financials names rated neutral grew net income 60% of the time over the next year (vs 58% for the rest of the cohort, n=10134).
Not investment advice. As of 2026-11-05.