Root, Inc. (ROOT)
Every figure this model derived for ROOT, the value it took, and the element in the company's own XBRL it was read from — so any of it can be checked against the filing rather than taken on trust. As at 2026-06-30.
The figures, and where each came from
This is the part no other screener shows. Each figure below names the XBRL element it was read from, so it can be checked against the filing itself.
| Figure | Value | XBRL tag | As at |
|---|---|---|---|
| capex | 0 | PaymentsToAcquirePropertyPlantAndEquipment |
2025-12-31 |
| cash | 518,200,000 | CashAndCashEquivalentsAtCarryingValue |
2026-06-30 |
| equity | 327,900,000 | StockholdersEquity |
2026-06-30 |
| interest expense | 19,300,000 | InterestExpenseNonoperating |
2026-06-30 |
| ocf | 194,500,000 | NetCashProvidedByUsedInOperatingActivities |
2026-06-30 |
| revenue | 1,567,500,000 | Revenues |
2026-06-30 |
| sbc | 41,300,000 | ShareBasedCompensation |
2026-06-30 |
The ratios
The figures themselves rather than their scores — what somebody looking up ROOT on one particular measure came for.
| Ratio | Value |
|---|---|
| cash operating margin | 9.01 |
| dilution pct | 1.18 |
| ebit yoy | -28.26 |
| ev ebit | 5.96 |
| ev owner earnings | 3.36 |
| ev sales | 0.33 |
| fcf margin | 12.41 |
| growth cv | 1.35 |
| interest cover | 4.47 |
| operating margin | 5.51 |
| owner earnings margin | 9.77 |
| revenue growth | 14.86 |
| revenue growth per share | 13.52 |
| roic | 909.03 |
| rule of 40 | 20.37 |
| sbc pct revenue | 2.63 |
Everything else this filing tags
352 more elements from ROOT's own XBRL that this model has no measure for, newest reading each, largest first. Nothing here is converted, added up or renamed — it is the filing's own element names and the filing's own numbers.
| Element | Newest | As of | Periods | Unit |
|---|---|---|---|---|
ShortdurationInsuranceContractsIncurredClaimsAndAllocatedClaimAdjustmentExpenseNet | 2,412,500,000 | 2025-12-31 | 6 | USD |
ShortdurationInsuranceContractsCumulativePaidClaimsAndAllocatedClaimAdjustmentExpenseNet | 1,989,800,000 | 2025-12-31 | 6 | USD |
AdditionalPaidInCapital | 1,910,200,000 | 2026-06-30 | 48 | USD |
Assets | 1,668,500,000 | 2026-06-30 | 48 | USD |
LiabilitiesAndStockholdersEquity | 1,668,500,000 | 2026-06-30 | 48 | USD |
RetainedEarningsAccumulatedDeficit | -1,580,300,000 | 2026-06-30 | 48 | USD |
Liabilities | 1,228,600,000 | 2026-06-30 | 48 | USD |
StockIssuedDuringPeriodValueNewIssues | 1,098,100,000 | 2020-12-31 | 3 | USD |
OperatingLossCarryforwards | 1,042,600,000 | 2021-12-31 | 2 | USD |
AssetsFairValueDisclosure | 834,600,000 | 2026-06-30 | 48 | USD |
PremiumsWrittenGross | 728,700,000 | 2026-06-30 | 65 | USD |
PremiumsEarnedNet | 727,200,000 | 2026-06-30 | 90 | USD |
PremiumsWrittenNet | 720,800,000 | 2026-06-30 | 68 | USD |
OperatingExpenses | 707,200,000 | 2026-06-30 | 92 | USD |
DirectPremiumsEarned | 605,400,000 | 2026-06-30 | 68 | USD |
DirectPremiumsWritten | 602,100,000 | 2026-06-30 | 78 | USD |
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents | 574,800,000 | 2026-06-30 | 96 | USD |
DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestBeforeAllowanceForCreditLoss | 519,100,000 | 2026-06-30 | 14 | USD |
Investments | 517,100,000 | 2026-06-30 | 46 | USD |
DebtSecuritiesAvailableForSaleExcludingAccruedInterest | 517,100,000 | 2026-06-30 | 14 | USD |
DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestBeforeAllowanceForCreditLossNoncurrent | 508,300,000 | 2026-06-30 | 8 | USD |
DebtSecuritiesAvailableForSaleExcludingAccruedInterestNoncurrent | 506,300,000 | 2026-06-30 | 14 | USD |
SupplementalInformationForPropertyCasualtyInsuranceUnderwritersCurrentYearClaimsAndClaimsAdjustmentExpense | 494,600,000 | 2026-06-30 | 54 | USD |
LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseNet | 470,300,000 | 2026-06-30 | 96 | USD |
LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseIncurredClaims1 | 466,100,000 | 2026-06-30 | 90 | USD |
PaymentsForLossesAndLossAdjustmentExpense | 454,000,000 | 2026-06-30 | 54 | USD |
ShortdurationInsuranceContractsLiabilityForUnpaidClaimsAndAllocatedClaimAdjustmentExpenseNet | 424,900,000 | 2025-12-31 | 6 | USD |
LiabilityForClaimsAndClaimsAdjustmentExpense | 385,700,000 | 2025-12-31 | 70 | USD |
DebtSecuritiesHeldToMaturityExcludingAccruedInterestBeforeAllowanceForCreditLossNoncurrent | 354,300,000 | 2025-09-30 | 6 | USD |
DeferredTaxAssetsGross | 352,600,000 | 2025-12-31 | 12 | USD |
DeferredTaxAssetsValuationAllowance | 339,800,000 | 2025-12-31 | 12 | USD |
DebtSecuritiesAvailableForSaleUnrealizedLossPosition | 336,400,000 | 2026-06-30 | 44 | USD |
PremiumsReceivableAtCarryingValue | 330,700,000 | 2026-06-30 | 48 | USD |
AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost | 329,700,000 | 2026-06-30 | 26 | USD |
AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue | 328,800,000 | 2026-06-30 | 26 | USD |
DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months | 322,300,000 | 2026-06-30 | 44 | USD |
UnearnedPremiums | 320,300,000 | 2025-12-31 | 43 | USD |
AvailableForSaleSecuritiesDebtSecurities | 274,800,000 | 2024-09-30 | 34 | USD |
AvailableForSaleDebtSecuritiesAmortizedCostBasis | 272,700,000 | 2024-09-30 | 34 | USD |
DeferredTaxAssetsOperatingLossCarryforwards | 269,800,000 | 2025-12-31 | 12 | USD |
CommonStockSharesAuthorized | 269,000,000 | 2020-09-30 | 7 | shares |
ShortdurationInsuranceContractsIncurredButNotReportedIbnrClaimsLiabilityNet | 268,700,000 | 2025-12-31 | 6 | USD |
AvailableForSaleSecuritiesDebtSecuritiesNoncurrent | 266,200,000 | 2024-09-30 | 34 | USD |
DebtSecuritiesAvailableForSaleAmortizedCostNoncurrent | 264,100,000 | 2024-09-30 | 34 | USD |
CashAndCashEquivalentsFairValueDisclosure | 255,700,000 | 2026-06-30 | 48 | USD |
WeightedAverageNumberOfShareOutstandingBasicAndDiluted | 247,100,000 | 2021-03-31 | 17 | shares |
StatutoryAccountingPracticesStatutoryCapitalAndSurplusBalance | 247,000,000 | 2025-12-31 | 13 | USD |
LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseClaimsPaidPriorYears1 | 231,600,000 | 2026-06-30 | 54 | USD |
LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseClaimsPaidCurrentYear1 | 222,400,000 | 2026-06-30 | 54 | USD |
RepaymentsOfLongTermDebt | 202,100,000 | 2026-06-30 | 34 | USD |
DebtInstrumentCarryingAmount | 200,000,000 | 2026-06-30 | 13 | USD |
LongTermDebt | 197,800,000 | 2026-06-30 | 48 | USD |
ProceedsFromDebtNetOfIssuanceCosts | 197,700,000 | 2026-06-30 | 8 | USD |
LongTermDebtMaturitiesRepaymentsOfPrincipalInYearThree | 191,500,000 | 2026-06-30 | 2 | USD |
PaymentsToAcquireAvailableForSaleSecuritiesDebt | 173,200,000 | 2026-06-30 | 54 | USD |
NetCashProvidedByUsedInInvestingActivities | -146,300,000 | 2026-06-30 | 54 | USD |
AssumedPremiumsEarned | 133,000,000 | 2026-06-30 | 65 | USD |
AssumedPremiumsWritten | 126,600,000 | 2026-06-30 | 65 | USD |
PreferredStockLiquidationPreferenceValue | 126,500,000 | 2026-03-31 | 34 | USD |
TemporaryEquityStockIssuedDuringPeriodValueNewIssues | 126,500,000 | 2021-12-31 | 2 | USD |
PreferredStockRedemptionAmount | 126,500,000 | 2026-06-30 | 2 | USD |
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect | -115,100,000 | 2026-06-30 | 54 | USD |
TemporaryEquityCarryingAmountAttributableToParent | 112,000,000 | 2026-06-30 | 120 | USD |
IncomeLossFromContinuingOperationsBeforeIncomeTaxesForeign | 100,300,000 | 2025-12-31 | 1 | USD |
LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFour | 100,000,000 | 2020-12-31 | 1 | USD |
PreferredStockSharesAuthorized | 100,000,000 | 2026-06-30 | 38 | shares |
TemporaryEquitySharesAuthorized | 100,000,000 | 2022-08-31 | 6 | shares |
StatutoryAccountingPracticesStatutoryNetIncomeAmount | 87,000,000 | 2025-12-31 | 18 | USD |
OtherAssets | 86,600,000 | 2026-06-30 | 48 | USD |
AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost | 78,500,000 | 2026-06-30 | 26 | USD |
AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsFairValue | 77,900,000 | 2026-06-30 | 26 | USD |
OperatingIncomeLoss | 75,500,000 | 2026-06-30 | 77 | USD |
RestrictedCashAndCashEquivalents | 65,200,000 | 2026-06-30 | 6 | USD |
IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest | 61,700,000 | 2026-06-30 | 92 | USD |
NetIncomeLoss | 61,300,000 | 2026-06-30 | 102 | USD |
IncomeLossFromContinuingOperationsBeforeIncomeTaxesDomestic | -59,500,000 | 2025-12-31 | 1 | USD |
DeferredPolicyAcquisitionCostAmortizationExpense | 58,300,000 | 2026-06-30 | 40 | USD |
NetIncomeLossAvailableToCommonStockholdersBasic | 58,300,000 | 2026-06-30 | 26 | USD |
CapitalizedComputerSoftwareGross | 57,400,000 | 2025-12-31 | 12 | USD |
AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost | 56,700,000 | 2026-06-30 | 26 | USD |
AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue | 56,600,000 | 2026-06-30 | 26 | USD |
ComprehensiveIncomeNetOfTax | 55,400,000 | 2026-06-30 | 92 | USD |
AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost | 54,200,000 | 2026-06-30 | 26 | USD |
AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue | 53,800,000 | 2026-06-30 | 26 | USD |
SellingAndMarketingExpense | 52,600,000 | 2026-06-30 | 92 | USD |
AccountsPayableAndAccruedLiabilitiesCurrentAndNoncurrent | 47,900,000 | 2026-06-30 | 48 | USD |
DeferredPolicyAcquisitionCosts | 47,100,000 | 2026-06-30 | 34 | USD |
CommonStockSharesIssued | 42,500,000 | 2020-09-30 | 3 | shares |
CommonStockSharesOutstanding | 42,500,000 | 2020-09-30 | 3 | shares |
FeeIncome | 40,100,000 | 2026-06-30 | 43 | USD |
GeneralAndAdministrativeExpense | 40,000,000 | 2026-06-30 | 92 | USD |
PurchaseObligation | 38,600,000 | 2025-12-31 | 6 | USD |
ReinsuranceRecoverableCreditLossExpenseReversal | 36,700,000 | 2025-12-31 | 7 | USD |
FinancialLiabilitiesFairValueDisclosure | 36,300,000 | 2020-09-30 | 3 | USD |
WarrantsAndRightsOutstanding | 36,300,000 | 2020-09-30 | 3 | USD |
NetCashProvidedByUsedInFinancingActivities | -35,600,000 | 2026-06-30 | 54 | USD |
DeferredPolicyAcquisitionCostsAdditions | 32,300,000 | 2024-09-30 | 6 | USD |
IncreaseDecreaseInReinsurancePayables | -30,400,000 | 2025-12-31 | 50 | USD |
CapitalizedComputerSoftwareAccumulatedAmortization | 29,800,000 | 2025-12-31 | 12 | USD |
ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities | 29,400,000 | 2026-06-30 | 54 | USD |
IncreaseDecreaseInAccountsPayableAndAccruedLiabilities | -28,900,000 | 2026-06-30 | 54 | USD |
ReinsuranceRecoverablesOnUnpaidLossesGross | 28,700,000 | 2025-12-31 | 12 | USD |
SupplementalInformationForPropertyCasualtyInsuranceUnderwritersPriorYearClaimsAndClaimsAdjustmentExpense | -28,500,000 | 2026-06-30 | 54 | USD |
DeferredTaxAssetsOperatingLossCarryforwardsStateAndLocal | 28,000,000 | 2025-12-31 | 10 | USD |
CapitalizedComputerSoftwareNet | 27,600,000 | 2025-12-31 | 12 | USD |
ReinsuranceRecoverablesOnPaidAndUnpaidLosses | 25,200,000 | 2026-06-30 | 48 | USD |
SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableIntrinsicValue1 | 23,700,000 | 2021-09-30 | 8 | USD |
OtherLiabilities | 22,100,000 | 2026-06-30 | 48 | USD |
OperatingLeasesFutureMinimumPaymentsDue | 21,600,000 | 2020-12-31 | 5 | USD |
EffectiveIncomeTaxRateReconciliationCrossBorderTaxEffectAmount | 21,200,000 | 2025-12-31 | 1 | USD |
IncomeTaxReconciliationForeignIncomeTaxRateDifferential | -21,200,000 | 2025-12-31 | 1 | USD |
StockRepurchasedAndRetiredDuringPeriodValue | 20,800,000 | 2026-06-30 | 2 | USD |
InterestPaidNet | 20,700,000 | 2025-12-31 | 20 | USD |
PaymentsForRepurchaseOfCommonStock | 20,700,000 | 2026-06-30 | 17 | USD |
WarrantsNotSettleableInCashFairValueDisclosure | 20,300,000 | 2020-12-31 | 1 | USD |
GrossInvestmentIncomeOperating | 20,100,000 | 2026-06-30 | 78 | USD |
PremiumReceivableCreditLossExpenseReversal | 19,100,000 | 2026-06-30 | 54 | USD |
ReinsuranceRecoverableForUnpaidClaimsAndClaimsAdjustments | 18,900,000 | 2026-06-30 | 96 | USD |
IncreaseDecreaseInPrepaidReinsurancePremiums | -18,800,000 | 2025-12-31 | 50 | USD |
WeightedAverageNumberOfDilutedSharesOutstanding | 17,100,000 | 2026-06-30 | 75 | shares |
IncreaseDecreaseInPremiumsReceivable | 17,000,000 | 2026-06-30 | 54 | USD |
DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsUnearnedPremiumsReserve | 16,400,000 | 2025-12-31 | 12 | USD |
AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue | 16,000,000 | 2026-06-30 | 78 | USD |
AllocatedShareBasedCompensationExpense | 16,000,000 | 2026-06-30 | 79 | USD |
WeightedAverageNumberOfSharesOutstandingBasic | 15,600,000 | 2026-06-30 | 75 | shares |
StockIssuedDuringPeriodValueStockOptionsExercised | -15,000,000 | 2024-12-31 | 45 | USD |
DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger | 14,100,000 | 2026-06-30 | 44 | USD |
PreferredStockSharesIssued | 14,100,000 | 2026-06-30 | 44 | shares |
PreferredStockSharesOutstanding | 14,100,000 | 2026-06-30 | 44 | shares |
TemporaryEquitySharesOutstanding | 14,100,000 | 2026-06-30 | 120 | shares |
ProFormaWeightedAverageSharesOutstandingDiluted | 14,000,000 | 2022-06-30 | 4 | shares |
NetInvestmentIncome | 13,700,000 | 2026-06-30 | 90 | USD |
ShortdurationInsuranceContractsLiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseAccumulatedUnallocatedClaimAdjustmentExpense | 13,600,000 | 2020-12-31 | 1 | USD |
ProceedsFromIssuanceOfLongTermDebt | 13,500,000 | 2020-09-30 | 2 | USD |
DeferredIncomeTaxLiabilities | 12,800,000 | 2025-12-31 | 12 | USD |
DeferredTaxAssetsNet | 12,800,000 | 2025-12-31 | 12 | USD |
IncomeTaxReconciliationChangeInDeferredTaxAssetsValuationAllowance | -12,600,000 | 2025-12-31 | 18 | USD |
DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsShareBasedCompensationCost | 12,600,000 | 2025-12-31 | 10 | USD |
IncomeTaxReconciliationNondeductibleExpenseShareBasedCompensationCost | -11,800,000 | 2025-12-31 | 18 | USD |
InterestExpense | 11,600,000 | 2024-03-31 | 60 | USD |
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber | 11,600,000 | 2020-09-30 | 2 | shares |
PurchaseObligationDueInNextTwelveMonths | 11,400,000 | 2025-12-31 | 6 | USD |
CededPremiumsEarned | 11,200,000 | 2026-06-30 | 68 | USD |
DebtConversionConvertedInstrumentAmount1 | 11,200,000 | 2019-12-31 | 2 | USD |
DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestBeforeAllowanceForCreditLossCurrent | 10,800,000 | 2026-06-30 | 8 | USD |
DebtSecuritiesAvailableForSaleExcludingAccruedInterestCurrent | 10,800,000 | 2026-06-30 | 14 | USD |
PurchaseObligationDueInSecondYear | 10,600,000 | 2025-12-31 | 6 | USD |
PaymentsRelatedToTaxWithholdingForShareBasedCompensation | 10,500,000 | 2026-06-30 | 25 | USD |
RestrictedStockValueSharesIssuedNetOfTaxWithholdings | -10,500,000 | 2026-06-30 | 16 | USD |
DeferredTaxAssetInterestCarryforward | 10,400,000 | 2025-12-31 | 12 | USD |
DeferredTaxLiabilitiesDeferredExpenseDeferredPolicyAcquisitionCost | 9,900,000 | 2025-12-31 | 12 | USD |
IncreaseDecreaseInUnearnedPremiums | -9,700,000 | 2026-06-30 | 54 | USD |
EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognized | 9,600,000 | 2020-09-30 | 1 | USD |
AvailableForSaleSecuritiesDebtSecuritiesCurrent | 8,600,000 | 2024-09-30 | 34 | USD |
DebtSecuritiesAvailableForSaleAmortizedCostCurrent | 8,600,000 | 2024-09-30 | 34 | USD |
IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate | 8,600,000 | 2025-12-31 | 18 | USD |
CapitalizedComputerSoftwareAmortization1 | 8,500,000 | 2025-12-31 | 18 | USD |
PremiumsReceivableAllowanceForDoubtfulAccounts | 8,500,000 | 2026-06-30 | 48 | USD |
PaymentsForRestructuring | 8,400,000 | 2024-12-31 | 10 | USD |
IncreaseDecreaseInReinsuranceRecoverable | -8,300,000 | 2026-06-30 | 54 | USD |
IncreaseDecreaseInOtherOperatingLiabilities | -8,200,000 | 2026-06-30 | 54 | USD |
PropertyPlantAndEquipmentGross | 8,000,000 | 2025-12-31 | 12 | USD |
CededPremiumsWritten | 7,900,000 | 2026-06-30 | 68 | USD |
AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount | 7,600,000 | 2026-06-30 | 62 | shares |
PurchaseObligationDueInThirdYear | 7,600,000 | 2025-12-31 | 6 | USD |
PaymentsToDevelopSoftware | 7,200,000 | 2026-06-30 | 54 | USD |
AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment | 6,800,000 | 2025-12-31 | 12 | USD |
PrepaidReinsurancePremiums | 6,300,000 | 2025-12-31 | 49 | USD |
ValuationAllowanceDeferredTaxAssetChangeInAmount | 6,100,000 | 2025-12-31 | 4 | USD |
DeferredTaxAssetsOther | 6,000,000 | 2025-12-31 | 12 | USD |
OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent | -5,900,000 | 2026-06-30 | 79 | USD |
OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTax | -5,900,000 | 2026-06-30 | 86 | USD |
DepreciationAmortizationAndAccretionNet | 5,800,000 | 2026-06-30 | 54 | USD |
EffectiveIncomeTaxRateReconciliationShareBasedCompensationExcessTaxBenefitAmount | 5,800,000 | 2025-12-31 | 1 | USD |
IncreaseDecreaseInLiabilityForClaimsAndClaimsAdjustmentExpenseReserve | 5,600,000 | 2026-06-30 | 54 | USD |
LongTermDebtMaturitiesRepaymentsOfPrincipalInYearTwo | 5,500,000 | 2026-06-30 | 2 | USD |
DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefits | 5,200,000 | 2025-12-31 | 12 | USD |
GainsLossesOnExtinguishmentOfDebt | -4,900,000 | 2026-06-30 | 19 | USD |
LeaseAndRentalExpense | 4,800,000 | 2020-12-31 | 5 | USD |
LesseeOperatingLeaseLiabilityPaymentsDue | 4,800,000 | 2025-12-31 | 8 | USD |
ProceedsFromSaleOfAvailableForSaleSecuritiesDebt | 4,700,000 | 2026-06-30 | 52 | USD |
TreasuryStockSharesRetired | 4,600,000 | 2021-10-31 | 1 | shares |
EquitySecuritiesFvNiGainLoss | -4,400,000 | 2026-06-30 | 15 | USD |
OperatingLeasesFutureMinimumPaymentsDueInThreeYears | 4,400,000 | 2020-12-31 | 5 | USD |
OperatingLeasesFutureMinimumPaymentsDueInTwoYears | 4,400,000 | 2020-12-31 | 5 | USD |
IncreaseDecreaseInOtherOperatingAssets | -4,300,000 | 2026-06-30 | 57 | USD |
OperatingLeaseLiability | 4,300,000 | 2025-12-31 | 13 | USD |
OperatingLeasesFutureMinimumPaymentsDueInFourYears | 4,300,000 | 2020-12-31 | 5 | USD |
DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsLossReserves | 4,200,000 | 2025-12-31 | 12 | USD |
OperatingLeasesFutureMinimumPaymentsDueCurrent | 3,900,000 | 2020-12-31 | 5 | USD |
UnrealizedGainLossOnInvestments | 3,800,000 | 2021-12-31 | 1 | USD |
AdjustmentOfWarrantsGrantedForServices | 3,500,000 | 2026-06-30 | 43 | USD |
PurchaseObligationDueInFourthYear | 3,400,000 | 2025-12-31 | 6 | USD |
AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax | 3,200,000 | 2026-06-30 | 44 | USD |
DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss | 3,200,000 | 2026-06-30 | 44 | USD |
OperatingLeasesFutureMinimumPaymentsDueThereafter | 3,100,000 | 2020-12-31 | 5 | USD |
DeferredFinanceCostsNet | 3,000,000 | 2023-12-31 | 6 | USD |
UndistributedEarningsLossAllocatedToParticipatingSecuritiesBasic | 3,000,000 | 2026-06-30 | 26 | USD |
ClassOfWarrantOrRightOutstanding | 2,800,000 | 2020-12-31 | 4 | shares |
DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss | 2,800,000 | 2026-06-30 | 34 | USD |
IncreaseDecreaseInDeferredPolicyAcquisitionCosts | 2,700,000 | 2026-06-30 | 6 | USD |
DefinedContributionPlanEmployerDiscretionaryContributionAmount | 2,600,000 | 2020-12-31 | 3 | USD |
HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss | 2,400,000 | 2022-03-31 | 10 | USD |
ReinsurancePayable | 2,400,000 | 2025-12-31 | 44 | USD |
LesseeOperatingLeaseLiabilityPaymentsDueNextTwelveMonths | 2,300,000 | 2025-12-31 | 8 | USD |
LesseeOperatingLeaseLiabilityPaymentsDueYearTwo | 2,300,000 | 2025-12-31 | 8 | USD |
DebtInstrumentUnamortizedDiscountPremiumAndDebtIssuanceCostsNet | 2,200,000 | 2026-06-30 | 42 | USD |
OperatingLeasePayments | 2,200,000 | 2025-12-31 | 15 | USD |
ShortdurationInsuranceContractsLiabilityForUnpaidClaimsAndAllocatedClaimAdjustmentExpenseNetNotSeparatelyPresented | 2,200,000 | 2025-12-31 | 1 | USD |
EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedShareBasedAwardsOtherThanOptions | 2,100,000 | 2022-03-31 | 1 | USD |
AccumulatedOtherComprehensiveIncomeLossNetOfTax | -2,000,000 | 2026-06-30 | 48 | USD |
DeferredTaxLiabilitiesDeferredExpenseCapitalizedSoftware | 2,000,000 | 2022-12-31 | 6 | USD |
InvestmentIncomeInvestmentExpense | 2,000,000 | 2026-06-30 | 78 | USD |
LongTermDebtMaturitiesRepaymentsOfPrincipalInNextTwelveMonths | 2,000,000 | 2026-06-30 | 2 | USD |
OperatingLeaseRightOfUseAsset | 2,000,000 | 2025-12-31 | 12 | USD |
OperatingLeaseCost | 1,800,000 | 2023-12-31 | 11 | USD |
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingIntrinsicValue | 1,700,000 | 2026-06-30 | 56 | USD |
RestructuringAndRelatedCostExpectedCost1 | 1,700,000 | 2023-09-30 | 4 | USD |
OtherIncome | 1,600,000 | 2026-06-30 | 90 | USD |
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodTotalIntrinsicValue | 1,600,000 | 2026-06-30 | 31 | USD |
DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsDeferredRent | 1,500,000 | 2022-12-31 | 6 | USD |
OperatingLeasesFutureMinimumPaymentsDueInFiveYears | 1,500,000 | 2020-12-31 | 5 | USD |
DeferredTaxAssetsUnrealizedLossesOnAvailableforSaleSecuritiesGross | 1,400,000 | 2022-12-31 | 2 | USD |
AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax | 1,200,000 | 2026-06-30 | 44 | USD |
PropertyPlantAndEquipmentNet | 1,200,000 | 2025-12-31 | 14 | USD |
RestrictedCash | 1,100,000 | 2025-12-31 | 44 | USD |
DeferredTaxLiabilitiesOther | 1,000,000 | 2025-12-31 | 12 | USD |
LesseeOperatingLeaseLiabilityPaymentsRemainderOfFiscalYear | 1,000,000 | 2021-09-30 | 3 | USD |
LongTermDebtMaturitiesRepaymentsOfPrincipalRemainderOfFiscalYear | 1,000,000 | 2026-06-30 | 1 | USD |
DeferredTaxAssetsTaxCreditCarryforwardsResearch | 900,000 | 2022-12-31 | 6 | USD |
DeferredTaxLiabilitiesInvestments | 900,000 | 2025-12-31 | 6 | USD |
IncomeTaxReconciliationOtherReconcilingItems | -800,000 | 2024-12-31 | 15 | USD |
IncrementalCommonSharesAttributableToConversionOfPreferredStock | 800,000 | 2024-12-31 | 7 | shares |
DeferredOfferingCosts | 700,000 | 2020-09-30 | 1 | USD |
DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsAllowanceForDoubtfulAccounts | 700,000 | 2022-12-31 | 6 | USD |
DeferredTaxLiabilitiesGoodwillAndIntangibleAssetsIntangibleAssets | 700,000 | 2025-12-31 | 6 | USD |
ShortdurationInsuranceContractsNumberOfReportedClaims | 659,957 | 2025-12-31 | 6 | claim |
AdjustmentsToAdditionalPaidInCapitalWarrantIssued | 600,000 | 2022-12-31 | 12 | USD |
IncomeTaxReconciliationOtherAdjustments | 600,000 | 2025-12-31 | 12 | USD |
PurchaseObligationDueInFifthYear | 600,000 | 2020-12-31 | 1 | USD |
IncomeTaxPaidStateAndLocalAfterRefundReceived | 600,000 | 2025-12-31 | 3 | USD |
CurrentIncomeTaxExpenseBenefit | 500,000 | 2025-12-31 | 18 | USD |
CurrentStateAndLocalTaxExpenseBenefit | 500,000 | 2025-12-31 | 18 | USD |
LesseeOperatingLeaseLiabilityUndiscountedExcessAmount | 500,000 | 2025-12-31 | 8 | USD |
ReinsuranceRecoverableAllowanceForCreditLossRecovery | 500,000 | 2024-12-31 | 1 | USD |
DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss | 400,000 | 2026-06-30 | 44 | USD |
IncomeTaxExpenseBenefit | 400,000 | 2026-06-30 | 90 | USD |
AdjustmentsToAdditionalPaidInCapitalStockIssuedIssuanceCosts | 400,000 | 2024-12-31 | 37 | USD |
IncomeTaxReconciliationStateAndLocalIncomeTaxes | 400,000 | 2025-12-31 | 1 | USD |
DeferredTaxLiabilitiesPropertyPlantAndEquipment | 300,000 | 2025-12-31 | 12 | USD |
ProceedsFromIssuanceOfSharesUnderIncentiveAndShareBasedCompensationPlansIncludingStockOptions | 300,000 | 2022-12-31 | 6 | USD |
Depreciation | 200,000 | 2025-12-31 | 18 | USD |
LesseeOperatingLeaseLiabilityPaymentsDueYearThree | 200,000 | 2025-12-31 | 8 | USD |
LesseeOperatingLeaseLiabilityPaymentsDueYearFive | 200,000 | 2023-12-31 | 3 | USD |
IncomeTaxReconciliationNondeductibleExpenseOther | 200,000 | 2025-12-31 | 10 | USD |
AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationAndExerciseOfStockOptions | 100,000 | 2023-12-31 | 39 | USD |
DebtSecuritiesAvailableForSaleRealizedGain | 100,000 | 2026-06-30 | 47 | USD |
DebtSecuritiesAvailableForSaleRealizedGainLoss | 100,000 | 2026-06-30 | 55 | USD |
GainLossOnInvestments | 100,000 | 2026-06-30 | 63 | USD |
RealizedInvestmentGainsLosses | 100,000 | 2026-06-30 | 39 | USD |
ReinsuranceRecoverablesAllowance | 100,000 | 2026-06-30 | 41 | USD |
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber | 100,000 | 2026-06-30 | 56 | shares |
RestructuringCharges | 100,000 | 2024-12-31 | 8 | USD |
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresAndExpirationsInPeriodWeightedAverageExercisePrice | 146 | 2026-06-30 | 32 | USD/shares |
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice | 52 | 2026-06-30 | 56 | USD/shares |
ConversionOfStockSharesConverted1 | 18 | 2022-08-12 | 6 | shares |
EarningsPerShareBasic | 4 | 2026-06-30 | 75 | USD/shares |
EarningsPerShareDiluted | 4 | 2026-06-30 | 75 | USD/shares |
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice | 2 | 2020-09-30 | 2 | USD/shares |
ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExercisesInPeriodWeightedAverageExercisePrice | 1 | 2026-06-30 | 32 | USD/shares |
ConcentrationRiskPercentage1 | 1 | 2021-09-30 | 2 | pure |
EquityMethodInvestmentOwnershipPercentage | 1 | 2022-03-31 | 5 | pure |
NumberOfReportableSegments | 1 | 2026-06-30 | 13 | segment |
ConversionOfStockSharesIssued1 | 1 | 2022-08-12 | 6 | shares |
ShortdurationInsuranceContractsHistoricalClaimsDurationYearOne | 1 | 2025-12-31 | 6 | pure |
EffectiveIncomeTaxRateReconciliationCrossBorderTaxEffectPercent | 1 | 2025-12-31 | 1 | pure |
EffectiveIncomeTaxRateReconciliationForeignIncomeTaxRateDifferential | -1 | 2025-12-31 | 1 | pure |
EarningsPerShareBasicAndDiluted | -0 | 2021-03-31 | 17 | USD/shares |
ShortdurationInsuranceContractsHistoricalClaimsDurationYearTwo | 0 | 2025-12-31 | 6 | pure |
EffectiveIncomeTaxRateReconciliationChangeInDeferredTaxAssetsValuationAllowance | -0 | 2025-12-31 | 18 | pure |
EffectiveIncomeTaxRateReconciliationNondeductibleExpenseShareBasedCompensationCost | -0 | 2025-12-31 | 18 | pure |
EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate | 0 | 2026-06-30 | 36 | pure |
EffectiveIncomeTaxRateReconciliationShareBasedCompensationExcessTaxBenefitPercent | 0 | 2025-12-31 | 1 | pure |
OperatingLeaseWeightedAverageDiscountRatePercent | 0 | 2025-12-31 | 12 | pure |
ShortdurationInsuranceContractsHistoricalClaimsDurationYearThree | 0 | 2025-12-31 | 6 | pure |
StockholdersEquityNoteStockSplitConversionRatio1 | 0 | 2022-09-30 | 7 | pure |
PreferredStockDividendRatePercentage | 0 | 2023-12-31 | 5 | pure |
ShortdurationInsuranceContractsHistoricalClaimsDurationYearFour | 0 | 2025-12-31 | 6 | pure |
EffectiveIncomeTaxRateReconciliationOtherReconcilingItemsPercent | -0 | 2024-12-31 | 15 | pure |
EffectiveIncomeTaxRateReconciliationOtherAdjustments | 0 | 2025-12-31 | 12 | pure |
EffectiveIncomeTaxRateReconciliationStateAndLocalIncomeTaxes | 0 | 2025-12-31 | 1 | pure |
ShortdurationInsuranceContractsHistoricalClaimsDurationYearFive | 0 | 2025-12-31 | 5 | pure |
EffectiveIncomeTaxRateContinuingOperations | 0 | 2026-06-30 | 72 | pure |
EffectiveIncomeTaxRateReconciliationNondeductibleExpenseOther | 0 | 2025-12-31 | 10 | pure |
ShortdurationInsuranceContractsHistoricalClaimsDurationYearSix | 0 | 2024-12-31 | 3 | pure |
ShortdurationInsuranceContractsHistoricalClaimsDurationYearSeven | 0 | 2024-12-31 | 2 | pure |
ClassOfWarrantOrRightExercisePriceOfWarrantsOrRights1 | 0 | 2022-12-31 | 5 | USD/shares |
CommonStockParOrStatedValuePerShare | 0 | 2022-08-31 | 11 | USD/shares |
PreferredStockParOrStatedValuePerShare | 0 | 2026-06-30 | 46 | USD/shares |
TemporaryEquityParOrStatedValuePerShare | 0 | 2022-08-31 | 11 | USD/shares |
CommonStockValue | 0 | 2020-09-30 | 3 | USD |
ConversionOfStockAmountConverted1 | 0 | 2022-12-31 | 9 | USD |
CurrentFederalTaxExpenseBenefit | 0 | 2025-12-31 | 18 | USD |
DebtSecuritiesAvailableForSaleRealizedLoss | 0 | 2026-06-30 | 48 | USD |
DeferredFederalIncomeTaxExpenseBenefit | 0 | 2025-12-31 | 18 | USD |
DeferredIncomeTaxExpenseBenefit | 0 | 2025-12-31 | 18 | USD |
DeferredStateAndLocalIncomeTaxExpenseBenefit | 0 | 2025-12-31 | 18 | USD |
DeferredTaxAssetsLiabilitiesNet | 0 | 2025-12-31 | 12 | USD |
DeferredTaxLiabilitiesOtherComprehensiveIncome | 0 | 2022-12-31 | 6 | USD |
FairValueAdjustmentOfWarrants | 0 | 2022-12-31 | 16 | USD |
IncomeTaxesPaid | 0 | 2024-12-31 | 17 | USD |
InterestPayableCurrentAndNoncurrent | 0 | 2026-06-30 | 42 | USD |
LeaseholdImprovementsGross | 0 | 2020-12-31 | 2 | USD |
LesseeOperatingLeaseLiabilityPaymentsDueYearFour | 0 | 2025-12-31 | 8 | USD |
LettersOfCreditOutstandingAmount | 0 | 2021-06-30 | 4 | USD |
LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFive | 0 | 2020-12-31 | 1 | USD |
OtherInvestments | 0 | 2026-06-30 | 46 | USD |
OtherThanTemporaryImpairmentLossDebtSecuritiesAvailableForSale | 0 | 2021-03-31 | 5 | USD |
PaidInKindInterest | 0 | 2023-12-31 | 31 | USD |
PaymentsOfDebtIssuanceCosts | 0 | 2021-06-30 | 6 | USD |
PaymentsOfStockIssuanceCosts | 0 | 2025-12-31 | 29 | USD |
PreferredStockValue | 0 | 2021-09-30 | 6 | USD |
ProceedsFromIssuanceInitialPublicOffering | 0 | 2022-12-31 | 9 | USD |
ProceedsFromIssuanceOfPreferredStockAndPreferenceStock | 0 | 2020-12-31 | 5 | USD |
ProceedsFromStockOptionsExercised | 0 | 2026-06-30 | 36 | USD |
PurchaseObligationDueAfterFifthYear | 0 | 2020-12-31 | 1 | USD |
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresAndExpirationsInPeriod | 0 | 2026-06-30 | 32 | shares |
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross | 0 | 2026-06-30 | 32 | shares |
ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageExercisePrice | 0 | 2026-06-30 | 32 | USD/shares |
StockIssued1 | 0 | 2022-12-31 | 9 | USD |
StockIssuedDuringPeriodSharesStockOptionsExercised | 0 | 2026-06-30 | 32 | shares |
StockIssuedDuringPeriodValueConversionOfConvertibleSecurities | 0 | 2025-12-31 | 12 | USD |
TemporaryEquityLiquidationPreference | 0 | 2020-12-31 | 4 | USD |
TemporaryEquitySharesIssued | 0 | 2020-12-31 | 4 | shares |
TreasuryStockValue | 0 | 2021-12-31 | 12 | USD |
DebtSecuritiesAvailableForSaleAllowanceForCreditLoss | 0 | 2024-09-30 | 23 | USD |
EffectiveIncomeTaxRateReconciliationNondeductibleExpense | 0 | 2024-12-31 | 14 | pure |
ImpairmentOfIntangibleAssetsIndefinitelivedExcludingGoodwill | 0 | 2025-12-31 | 14 | USD |
IncomeTaxReconciliationNondeductibleExpense | 0 | 2024-12-31 | 14 | USD |
LesseeOperatingLeaseLiabilityPaymentsDueAfterYearFive | 0 | 2023-12-31 | 3 | USD |
ProceedsFromIssuanceOfPreferredStockPreferenceStockAndWarrants | 0 | 2023-12-31 | 9 | USD |
RightOfUseAssetObtainedInExchangeForOperatingLeaseLiability | 0 | 2023-12-31 | 9 | USD |
TreasuryStockRetiredCostMethodAmount | 0 | 2021-12-31 | 4 | USD |
ProceedsFromIssuanceOfDebt | 0 | 2023-09-30 | 8 | USD |
GainLossOnSaleOfOtherInvestments | 0 | 2026-06-30 | 37 | USD |
RestructuringReserve | 0 | 2024-12-31 | 14 | USD |
DeferredTaxLiabilitiesDeferredExpenseCapitalizedResearchAndDevelopmentCosts | 0 | 2025-12-31 | 6 | USD |
DebtSecuritiesAvailableForSaleAmortizedCostAllowanceForCreditLossExcludingAccruedInterest | 0 | 2026-06-30 | 10 | USD |
DebtSecuritiesHeldToMaturityExcludingAccruedInterestBeforeAllowanceForCreditLossCurrent | 0 | 2025-09-30 | 6 | USD |
CurrentForeignTaxExpenseBenefit | 0 | 2025-12-31 | 3 | USD |
DeferredForeignIncomeTaxExpenseBenefit | 0 | 2025-12-31 | 3 | USD |
IncomeTaxPaidFederalAfterRefundReceived | 0 | 2025-12-31 | 3 | USD |
What to be careful about
What this model itself distrusts about ROOT's figures. Written by the derivation as it ran, not added afterwards.
- forward EPS growth -21.7% is analyst consensus, not a filing: consensus 2027 EPS 2.82 against trailing 3.60, over 1 year(s), from 2 analysts (taken 2026-09-18)
- PEG not measured: earnings are expected to grow -21.7%, and the ratio inverts at or below zero — a company whose profit is expected to fall faster would otherwise score better for it
- durability DROPPED from the total: only 2 of 4 inputs could be computed (contracted coverage, gross margin stability not tagged), so the score is not meaningful. Its weight is spread over the other dimensions
- resilience rests on 2 of 3 inputs; not tagged: liquidity