US · ROOT
Root, Inc.
- Sector
- Financial Services · Insurance - Property & Casualty
- Headquarters
- Columbus, OH 43215
- Website
- joinroot.com
Price · as of 2025-12-31
$55.05
Market cap 710.9M
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $84.94 | +54.3% |
| Intrinsic Value(DCF) | $20,890.92 | +37,848.99% |
| Graham-Dodd Method(GD) | $31.34 | -43.07% |
| Graham Formula(GF) | $93.26 | +69.41% |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2011 | |||||
| 2012 | |||||
| 2013 | |||||
| 2014 | |||||
| 2015 | |||||
| 2016 | |||||
| 2017 | |||||
| 2018 | |||||
| 2019 | $0.00 | $0.00 | |||
| 2020 | $197.82 | $92.04 | $91.50 | $0.00 | $0.00 |
| 2021 | $27.54 | $11.02 | $14.74 | $0.00 | $0.00 |
| 2022 | $3.69 | $7.48 | $0.25 | $0.00 | $30.29 |
| 2023 | $45.77 | $67.31 | $1,777.73 | $0.00 | $0.00 |
| 2024 | $133.88 | $682.98 | $3,676,597.12 | $24.04 | $331.47 |
| 2025 | $49.57 | $84.94 | $557,280.77 | $31.34 | $93.26 |
AI valuation
Our deep-learning model estimates Root, Inc.'s (ROOT) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $84.94
- Current price
- $55.05
- AI upside
- +54.3%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$20,890.92
+37,848.99% upside
Graham-Dodd
$31.34
-43.07% upside
Graham Formula
$93.26
+69.41% upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| ROOT | Root, Inc. | $55.05 | 710.9M | +54% | +37,849% | -43% | +69% | 19.07 | 2.70 | 0.51 | 9.59 | 85.10 | 2.99 | 39.08% | 4.07% | 2.66% | 16.52% | -41.26% | 2.66% | 0.70 | 2.89 | — | — | -0.85 | 2240.00% | 2895.00% | 1229.00% | 26.88% | — | -147.24% | 0.00% | 0.00% | 0.00% | 11.42 | 3.42 | 0.47 | 0.83 |
| ASIC | Ategrity Specialty Holdin… | $22.12 | 1.06B | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| BOW | Bowhead Specialty Holding… | $25.33 | 830.4M | +227% | +2,362% | -14% | +136% | 15.58 | 1.87 | 1.52 | -11.06 | 67.01 | 1.87 | 40.16% | 12.20% | 9.75% | 13.14% | -6.07% | 2.67% | 0.00 | 33.43 | 5110.75 | 5110.75 | -3.37 | 2326.00% | 2961.00% | -10013.00% | -0.05% | -1.22 | 0.04% | 0.00% | 0.00% | 16.26% | -11.39 | 2006.63 | -1.39 | 1.47 |
| CSWC | Capital Southwest Corpora… | $21.87 | 1.32B | +36% | -65% | — | +5% | 12.75 | 1.02 | 5.49 | 21.25 | — | 1.02 | 66.45% | 48.48% | 43.07% | 8.61% | 4.29% | 4.10% | 1.08 | 1.44 | — | — | 10.70 | -2829.00% | 767.00% | 1525.00% | -24.15% | — | -13.20% | 13.93% | 177.60% | 13.93% | 22.82 | -8.34 | 11.06 | 0.75 |
| HRZN | Horizon Technology Financ… | $5.96 | 276.05M | +475% | -8% | — | — | -49.39 | 0.83 | 8.20 | -162.59 | — | 0.83 | 4.97% | -12.25% | -16.60% | -1.71% | -0.56% | -0.69% | 1.39 | -0.13 | 5.08 | 4.89 | -95.66 | -7143.00% | 7771.00% | -2084.00% | 14.25% | 2.23 | 5.38% | 16.67% | -823.20% | 23.12% | -162.59 | 17.05 | 19.91 | 0.16 |
| MFIC | MidCap Financial Investme… | $9.68 | 903.18M | +165% | +41% | -92% | +99% | 32.92 | 16.99 | 3.44 | 14.93 | — | 16.99 | 83.40% | 71.64% | 23.02% | 3.93% | 7.81% | 1.71% | 35.87 | 1547.78 | 142.91 | 202.13 | 9.96 | -4646.00% | 2125.00% | 42188.00% | -5.27% | -101.11 | -1.98% | 2.13% | 70.00% | 4.14% | 14.45 | -57.10 | 10.35 | -0.02 |
| OBK | Origin Bancorp, Inc. | $41.60 | 1.29B | -37% | 0% | -19% | -69% | 17.32 | 1.04 | 2.18 | 10.88 | — | 1.20 | 58.22% | 16.50% | 12.56% | 6.29% | 16.83% | 0.78% | 0.03 | 0.48 | 0.05 | 0.05 | -0.33 | -204.00% | -295.00% | 1450.00% | 7.60% | 0.05 | 21.45% | 2.32% | 40.20% | 3.54% | 12.48 | 12.46 | 2.06 | 0.04 |
| PRA | ProAssurance Corporation | $24.55 | 1.26B | +1% | +8% | -62% | -77% | -152.14 | 0.93 | 1.15 | 12.98 | — | 0.97 | 39.40% | 6.56% | 4.64% | -0.65% | -13.15% | -0.15% | 0.33 | 3.46 | 0.15 | 0.15 | 3.85 | -388.00% | -267.00% | -9777.00% | -0.03% | 0.00 | 0.11% | 5.96% | -906.30% | 5.96% | 19.20 | -3144.85 | 1.26 | 0.15 |
| SAFT | Safety Insurance Group, I… | $77.63 | 1.16B | -25% | +214% | -51% | +79% | 11.43 | 1.27 | 0.90 | 8.84 | 28.45 | 1.31 | 36.43% | 10.10% | 7.91% | 11.54% | 17.20% | 4.19% | 0.08 | 82.80 | 25.00 | 25.00 | 0.00 | 4017.00% | 1301.00% | 5443.00% | 16.93% | 12.34 | 33.27% | 4.75% | 54.30% | 4.75% | 8.95 | 5.91 | 0.90 | 1.77 |
| SIGI | Selective Insurance Group… | $84.04 | 5.08B | -8% | -60% | -14% | +59% | 11.12 | 1.44 | 0.97 | 7.21 | 8.45 | 1.67 | 40.86% | 11.05% | 8.74% | 13.86% | 16.12% | 3.25% | 0.25 | 11.95 | 650.38 | 164.40 | 1.34 | 13158.00% | 978.00% | 1539.00% | 23.79% | 75.28 | 42.63% | 1.97% | 21.90% | 3.75% | 8.21 | 3.92 | 0.91 | 1.94 |
| UVE | Universal Insurance Holdi… | $35.17 | 986.48M | +173% | -20% | +49% | +141% | 5.53 | 1.84 | 0.63 | 2.55 | 2.58 | 1.85 | 38.21% | 15.23% | 11.47% | 39.59% | 159.97% | 8.36% | 0.18 | 50.30 | 19.39 | 19.39 | -1.51 | 21443.00% | 494.00% | 19006.00% | 37.24% | 13.36 | 329.68% | 0.00% | 0.00% | 21.65% | 2.61 | 1.68 | 0.40 | 2.93 |
About Root, Inc.
Root, Inc. provides insurance products and services in the United States. The company offers automobile, homeowners, and renters insurance products. The company operates a direct-to-consumer model and serves customers primarily through mobile applications, as well as through its website. Its direct distribution channels also cover digital, media, and referral channels, as well as distribution partners and agencies. The company was incorporated in 2015 and is headquartered in Columbus, Ohio.
- CEO
- Alexander Edward Timm
- Employees
- 1.02K
- Beta
- 2.82
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($20,890.92 ÷ $55.05) − 1 = +37,848.99% (DCF, example).