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Upturn AI SWOT - About
ROOT 
Root Inc (ROOT)
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Upturn Advisory Summary
08/28/2025: ROOT (4-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Above Average Performance
These Stocks/ETFs, based on Upturn Advisory, frequently surpass the market, reflecting reliable and trustworthy advice.
Number of Analysts
6 Analysts rated it
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $130.6
1 Year Target Price $130.6
| 1 | Strong Buy |
| 1 | Buy |
| 4 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 170.08% | Avg. Invested days 35 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  5.0 |
| Profits based on simulation | Last Close 08/28/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.37B USD | Price to earnings Ratio 17.56 | 1Y Target Price 130.6 |
Price to earnings Ratio 17.56 | 1Y Target Price 130.6 | ||
Volume (30-day avg) 6 | Beta 2.26 | 52 Weeks Range 34.04 - 181.14 | Updated Date 08/29/2025 |
52 Weeks Range 34.04 - 181.14 | Updated Date 08/29/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 5.14 |
Earnings Date
Report Date 2025-08-06 | When - | Estimate 0.52 | Actual 1.29 |
Profitability
Profit Margin 5.98% | Operating Margin (TTM) 7.16% |
Management Effectiveness
Return on Assets (TTM) 4.89% | Return on Equity (TTM) 27.53% |
Valuation
Trailing PE 17.56 | Forward PE 3.49 | Enterprise Value 952876366 | Price to Sales(TTM) 1.01 |
Enterprise Value 952876366 | Price to Sales(TTM) 1.01 | ||
Enterprise Value to Revenue 0.7 | Enterprise Value to EBITDA - | Shares Outstanding 13618900 | Shares Floating 12377176 |
Shares Outstanding 13618900 | Shares Floating 12377176 | ||
Percent Insiders 5.97 | Percent Institutions 64.34 |
Upturn AI SWOT
Root Inc
Company Overview
History and Background
Root Inc. was founded in 2015 and went public in 2020. It aims to disrupt the car insurance industry using mobile technology and data analytics to offer personalized rates based on driving behavior.
Core Business Areas
- Car Insurance: Root's primary business is providing car insurance policies. They leverage smartphone technology to assess driving behavior and provide personalized insurance rates.
Leadership and Structure
Alex Timm is the co-founder and CEO. The company has a typical corporate structure with departments for underwriting, technology, marketing, and customer service.
Top Products and Market Share
Key Offerings
- Car Insurance Policies: Root's core offering. It is usage-based car insurance determined by a test drive through their mobile app. As of late 2023, Root's market share is small, around 0.1-0.2% of the total US car insurance market. Key competitors include GEICO (BRK.B), State Farm (Private), Progressive (PGR), and Allstate (ALL).
Market Dynamics
Industry Overview
The car insurance industry is large and competitive. It is currently undergoing disruption as companies like Root and Lemonade try to use technology to gain market share.
Positioning
Root positions itself as a tech-driven, customer-friendly alternative to traditional car insurance providers. It focuses on younger, tech-savvy drivers.
Total Addressable Market (TAM)
The total US car insurance market is estimated at over $300 billion annually. Root's position relative to the TAM is still small, providing ample room for growth if it can execute its strategy effectively.
Upturn SWOT Analysis
Strengths
- Technology-driven approach
- Personalized pricing
- Mobile-first platform
- Strong brand awareness among target demographic
- Modern customer experience
Weaknesses
- Limited operating history
- Relatively small market share
- High marketing and customer acquisition costs
- Not yet profitable
- Dependence on technology accuracy for risk assessment
Opportunities
- Expansion into new states
- Partnerships with other companies
- Development of new insurance products
- Increased adoption of usage-based insurance
- Leveraging data analytics for improved risk management
Threats
- Competition from larger, established insurers
- Regulatory changes
- Economic downturn
- Inaccurate risk assessment leading to losses
- Data security breaches
Competitors and Market Share
Key Competitors
- BRK.B
- PGR
- ALL
Competitive Landscape
Root faces intense competition from established insurers with larger market shares and more resources. Rootu2019s competitive advantages include its technology and focus on usage-based pricing.
Growth Trajectory and Initiatives
Historical Growth: Root has experienced high revenue growth as it expands its geographic footprint and customer base.
Future Projections: Analyst projections suggest continued revenue growth, but profitability is uncertain in the near term.
Recent Initiatives: Root has focused on improving its technology platform, expanding into new states, and refining its pricing models. Partnership is also a key focus
Summary
Root Inc is a young, tech-driven car insurance company attempting to disrupt the market with usage-based pricing. It has shown revenue growth, but faces challenges in achieving profitability due to high expenses and intense competition. While their technology offers a competitive edge, they need to improve their financial standing and market position.
Peer Comparison
Sources and Disclaimers
Data Sources:
- SEC Filings
- Company Website
- Analyst Reports
- Market Research Reports
Disclaimers:
This analysis is based on available information and is not financial advice. Market conditions and company performance can change rapidly.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Root Inc
Exchange NASDAQ | Headquaters Columbus, OH, United States | ||
IPO Launch date 2020-10-28 | Co-Founder, CEO & Chairman Mr. Alexander Edward Timm | ||
Sector Financial Services | Industry Insurance - Property & Casualty | Full time employees 1021 | Website https://www.joinroot.com |
Full time employees 1021 | Website https://www.joinroot.com | ||
Root, Inc. provides insurance products and services in the United States. The company offers automobile and renters insurance products. It operates a direct-to-consumer model; and serves customers primarily through mobile applications and its website. The company's direct distribution channels also cover digital media, independent agents, and referrals, as well as distribution partners. Root, Inc. was incorporated in 2015 and is headquartered in Columbus, Ohio.
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