Stocktoria
Root, Inc. ROOT
Nasdaq · XNAS · stock · Fire, Marine & Casualty Insurance · website · IPO 2020-10-28
Chart by TradingView
6/9
Piotroski F — financial health
—
Altman Z″ — distress risk
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Dividend payout · no dividend
Financials & ratios (annual, from 10-K)
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Financials | |||||
| Revenue | $1.5B | $1.2B | $455.0M | $310.8M | $345.4M |
| Operating income | $61.8M | $78.5M | -$101.3M | -$263.1M | -$485.2M |
| Net income | $40.3M | $30.9M | -$147.4M | -$297.7M | -$521.1M |
| Operating cash flow | $206.5M | $195.7M | -$33.6M | -$210.6M | -$403.4M |
| Free cash flow | $206.5M | $195.3M | -$33.8M | -$210.6M | -$408.0M |
| Total assets | $1.7B | $1.5B | $1.3B | $1.3B | $1.3B |
| Total liabilities | $1.3B | $1.2B | $1.1B | $923.8M | $670.9M |
| Shareholders' equity | $284.3M | $203.7M | $165.7M | $277.1M | $536.4M |
| Ratios | |||||
| Operating margin | 4.1% | 6.7% | -22.3% | -84.7% | -140.5% |
| Net margin | 2.7% | 2.6% | -32.4% | -95.8% | -150.9% |
| FCF margin | 13.6% | 16.6% | -7.4% | -67.8% | -118.1% |
| Return on assets | 2.4% | 2.1% | -10.9% | -22.7% | -39.5% |
| Return on equity | 14.2% | 15.2% | -89.0% | -107.4% | -97.1% |
| Debt / equity | 0.70× | 0.98× | 1.80× | 1.07× | 0.00× |
| Revenue growth | 29.0% | 158.6% | 46.4% | -10.0% | -0.4% |
Notable holders (13F)
| Investor | Shares | Value |
|---|---|---|
| RENAISSANCE TECHNOLOGIES LLC | 238,781 | $10.5M |
Why these scores methodology →
Piotroski F-score: 6/9
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Altman Z″: n/a
Not applicable (financials/insurer or missing inputs).
Sector peers
IX · MUFG · MFG · NMR · UNH · CI · all Finance, Insurance & Real Estate →
Source: SEC EDGAR filings · CIK 0001788882 · as of 2025-12-31. Figures are facts from filings plus Stocktoria's own computed scores — not investment advice.