What is the 13F Pro Quality Score for ROOT?

13F Pro ranks Root, Inc. (ROOT) on the 13F Pro Quality Score, a 0–100 composite of 32 fundamental signals including return on invested capital, free cash flow consistency, balance-sheet strength, earnings quality, growth durability, and valuation discipline. The score refreshes after each 10-K and 10-Q filing on SEC EDGAR. View ROOT's current score at https://13fpro.ai/research/ROOT (free sign-up required for the full ranking).

Where does 13F Pro source ROOT data?

All Root, Inc. fundamentals and ownership data come directly from SEC EDGAR. Root, Inc. files with the SEC under CIK 1788882. 13F Pro ingests XBRL financial facts from 10-K and 10-Q filings, Form 13F-HR institutional holdings, and Form 4 insider transactions, with no third-party rewrites or estimates.

What sector is ROOT in?

Root, Inc. (ROOT) is classified in the Financials sector. 13F Pro publishes sector-level fund flow analysis and quality leaders at https://13fpro.ai/research/sector/financials.

How often is ROOT research updated on 13F Pro?

ROOT's fundamentals refresh within hours of each new 10-K or 10-Q filing on SEC EDGAR. Institutional ownership updates after each quarterly 13F filing window. Insider transactions update after each Form 4 filing. The 13F Pro Quality Score recalculates after every fundamentals refresh.

Root, Inc.(ROOT)Stock Analysis

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13F Pro Quality Score

64.1/100

Rank #657 of 2,879 stocksTOP 25%

View Financials peers →

Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Aug 14, 2026.

Revenue Growth

94.5/100

Profitability

66.6/100

Balance Sheet

66.1/100

Earnings Quality

30.0/100

Free Cash Flow

62.6/100

Institutional Flow

12.7/100

Revenue Scale

57.6/100

Dilution Risk

36.3/100

ROOT Stock Analysis & AI Quality Score

AI stock analysis and institutional research for Root, Inc. (ROOT), a Financials sector company. 13F Pro's AI-powered ranking engine scores ROOT at 64.1/100 on a 32-signal composite quality model, placing it at rank #657 of 2,879 stocks — the top 25% of the AI-ranked universe. ROOT scores in the top quartile across revenue growth (94.5). Areas of concern include institutional flow (12.7) and earnings quality (30.0), which score below median versus the broader universe. Shareholder dilution risk is elevated at 36.3/100, reflecting ongoing share issuance or stock-based compensation. Based on the latest XBRL financial filings (Q1 2026), Root, Inc. reports quarterly revenue of $393.5M, net income of $35.9M, free cash flow of $9.3M. Top institutional holders of ROOT by reported 13-F value include Ribbit Management Company,, BlackRock,, VANGUARD CAPITAL MANAGEMENT, based on the most recent SEC filings. ROOT trades on the Nasdaq exchange and files with the SEC under CIK 1788882. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate ROOT daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for Root, Inc. directly from SEC EDGAR. Root, Inc.'s 13F Pro composite quality score has ranged between 8 and 85 since 2021, currently 64.1 — an improving long-term trajectory across 56 quarterly and live scoring snapshots.

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Fun facts about Root, Inc.

Quirks, history, and lore behind ROOT — the kind of stuff that makes a stock memorable.

1
The Basics
U.S. financial technology company · listed on Nasdaq · operates in the insurance sector · headquartered in Ohio.
2
The Numbers
A small-cap insurer that went public via IPO in 2020, raising over $700 million — one of the larger insurtech debuts of that era, even as profitability remained elusive.
3
The History
Founded in 2015 by a pair of former Nationwide Insurance executives who believed car insurance was overdue for a tech-driven makeover.
4
The Secret
It prices your auto insurance policy using telematics and smartphone data — how you brake, when you drive, and how fast — rather than just your zip code and credit score.
5
The Lore
Its entire distribution model is direct-to-consumer via a mobile app, cutting out agents entirely — a bold bet that drivers would buy car insurance the way they order a pizza.
6
The Giveaway
Its ticker is literally a synonym for the starting point of a plant, and its pitch is simple: your driving behavior, not your demographics, should set your car insurance rate.

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Revenue

Q1 2026

$393.5M

Net Income

Q1 2026

$35.9M

Free Cash Flow

Q1 2026

$9.3M

ROIC

Q1 2026

7.8%

D/E Ratio

Q1 2026

0.61

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro+

Revenue

+29.0% YoY

$1.52BFY 2025

FY20 $346.8MFY22 $310.8MFY24 $1.18BFY25 $1.52B

Net Income

+30.4% YoY

$40.3MFY 2025

FY20 $-363.0MFY22 $-297.7MFY24 $30.9MFY25 $40.3M

Operating Income

-21.3% YoY

$61.8MFY 2025

FY20 $-285.3MFY22 $-263.1MFY24 $78.5MFY25 $61.8M

EPS (Diluted)

+29.0% YoY

$2.36FY 2025

FY20 $-86.43FY22 $-21.11FY24 $1.83FY25 $2.36

Total Assets

+12.0% YoY

$1.67BFY 2025

FY20 $1.76BFY22 $1.31BFY24 $1.50BFY25 $1.67B

Total Debt

+0.1% YoY

$200.3MFY 2025

FY20 $188.2MFY22 $295.4MFY24 $200.1MFY25 $200.3M

Op. Cash Flow

+5.5% YoY

$206.5MFY 2025

FY20 $-287.2MFY22 $-210.6MFY24 $195.7MFY25 $206.5M

Metric	FY 2025	FY 2024	FY 2022	FY 2020	FY 2019	FY 2018
Revenue	$1.52B +29.0%	$1.18B +278.5%	$310.8M -10.4%	$346.8M +19.5%	$290.2M +570.2%	$43.3M
Net Income	$40.3M +30.4%	$30.9M +110.4%	$-297.7M +18.0%	$-363.0M -28.5%	$-282.4M -308.7%	$-69.1M
Operating Income	$61.8M -21.3%	$78.5M +129.8%	$-263.1M +7.8%	$-285.3M -9.7%	$-260.1M	—
EPS (Diluted)	$2.36 +29.0%	$1.83 +108.7%	$-21.11 +75.6%	$-86.43 -937.6%	$-8.33	—
Total Assets	$1.67B +12.0%	$1.50B +13.9%	$1.31B -25.5%	$1.76B +141.9%	$728.6M	—
Total Debt	$200.3M +0.1%	$200.1M -32.3%	$295.4M +57.0%	$188.2M -2.1%	$192.2M	—
Operating Cash Flow	$206.5M +5.5%	$195.7M +192.9%	$-210.6M +26.7%	$-287.2M -125.8%	$-127.2M -387.4%	$-26.1M

AI Insight: ROOT Financial Trends

Root generated $394M revenue in Q1 2026 but operating cash flow collapsed to just $9M from $70M in the prior quarter.

• Revenue grew from $289M in Q2 2024 to $394M in Q1 2026, representing 36% growth over eight quarters.

• Total debt decreased from $300M in Q2 2024 to $200M by Q4 2024 and remained stable through Q1 2026.

• Equity strengthened from $151M in Q2 2024 to $326M in Q1 2026, more than doubling over the period.

⚠ Operating cash flow plummeted from $70M in Q4 2025 to $9M in Q1 2026, the lowest level in eight quarters.

⚠ Net income volatility persisted with losses in Q3 2025 despite generally profitable trend since Q3 2024.

AI Insight: ROOT Ratio Trends

Root delivered strong Q1 2026 turnaround with operating margin jumping to 10.4% and leverage falling to 0.61x, but profitability remains highly volatile.

• Operating margin recovered sharply from 0.1% in Q3 2025 to 10.4% in Q1 2026, showing dramatic quarterly swings.

• Debt-to-equity ratio improved consistently from 1.98x in Q2 2024 to 0.61x in Q1 2026, strengthening balance sheet.

• ROE swung from -8.2% in Q3 2025 to 44.1% in Q1 2026, reflecting extreme quarterly earnings volatility.

• ROIC rebounded from 0.3% in Q3 2025 to 31.1% in Q1 2026 after earlier peak of 34.6% in Q4 2024.

⚠ Profitability metrics show extreme quarterly volatility with operating margin ranging from 0.1% to 11.2% across recent quarters.

⚠ Q3 2025 posted negative operating margin and ROE after strong Q2 2025 performance, indicating earnings unpredictability.

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Available Research

13F Pro tracks comprehensive data for Root, Inc. including:

SEC EDGAR filings (10-K, 10-Q, 8-K)

XBRL financial facts (revenue, EPS, margins)

Insider transactions (Form 4)

Institutional 13F holdings

Quality rankings (32 signals)

AI analyst debates & daily meetings

Historical financial trends

Peer comparison & sector analysis

Top Institutional Holders of ROOT

Ribbit Management Company, LLC
$54.4M1,232,607 sh
BlackRock, Inc.
$46.4M1,050,327 sh
VANGUARD CAPITAL MANAGEMENT LLC
$22.8M516,632 sh
Capital Research Global Investors
$21.1M477,124 sh
FINDELL CAPITAL MANAGEMENT LLC
$16.6M375,000 sh
GEODE CAPITAL MANAGEMENT, LLC
$14.1M319,528 sh
STATE STREET CORP
$11.7M265,939 sh
Galileo (PTC) Ltd
$11.2M252,669 sh
RENAISSANCE TECHNOLOGIES LLC
$10.5M238,781 sh
CITADEL ADVISORS LLC
$8.7M196,400 sh

Fund	Value	Shares
Ribbit Management Company, LLC	$54.4M	1,232,607
BlackRock, Inc.	$46.4M	1,050,327
VANGUARD CAPITAL MANAGEMENT LLC	$22.8M	516,632
Capital Research Global Investors	$21.1M	477,124
FINDELL CAPITAL MANAGEMENT LLC	$16.6M	375,000
GEODE CAPITAL MANAGEMENT, LLC	$14.1M	319,528
STATE STREET CORP	$11.7M	265,939
Galileo (PTC) Ltd	$11.2M	252,669
RENAISSANCE TECHNOLOGIES LLC	$10.5M	238,781
CITADEL ADVISORS LLC	$8.7M	196,400

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Is ROOT a good stock to buy?

13F Pro's AI-powered analysis of Root, Inc. (ROOT) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on Nasdaq). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for ROOT are available on the ROOT stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing.

Which hedge funds own ROOT?

Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling ROOT. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of Root, Inc.'s investment landscape.