Root, Inc. Class A (ROOT)

Root, Inc.'s stock has experienced significant events and volatility over the past six months. As of October 24, 2025, the share price was $76.28, an 88.49% increase from October 28, 2024. Root shares have soared approximately 88% in the last year, outperforming the S&P 500. In Q1 2025, Root reported a net income of $18 million and a gross accident period loss ratio of 58%. In Q2 2025, Root reported total revenue of $227.3 million, a 19% increase year-over-year, but still posted a net loss of $24.8 million. In July 2025, Root completed a secondary offering, raising $80 million in fresh equity. The stock has traded in a wide range, roughly between $10 and $16.80, over the past six months, indicating decent volatility.

Direct information regarding the specific demand seasonality for Root, Inc.'s insurance products and services was not explicitly found. The insurance industry, in general, can experience some seasonality due to weather-related events, economic cycles, vehicle purchasing trends and academic cycles. Root's focus on a data-driven approach and personalized pricing based on driving behavior aims to differentiate it from traditional insurers, potentially making its demand less susceptible to broad demographic or traditional seasonal patterns.

Root, Inc. is an InsurTech company operating in the personal property & casualty (P&C) insurance market, founded in 2015. It aims to revolutionize the industry through technology and data science, basing car insurance rates on driving behavior using a mobile app. Root's major products include car insurance, renters insurance, and homeowners insurance. The company's business model emphasizes digital acquisition and customer engagement, competing in the US personal P&C insurance market.

As of Q1 2025, Root operates in 35 states across the United States and its headquarters are located in Columbus, Ohio. Historically, Root's largest markets have included Texas, Georgia, and Colorado.

Root, Inc. generally maintains a positive brand reputation among its users, particularly for its mobile app experience and the potential for savings for safe drivers. However, investor sentiment regarding Root's brand and future has been mixed, with continued negative cash flow and the ongoing challenge of achieving consistent profitability being persistent concerns. High volatility in the stock and significant short interest indicate bearish sentiment and the potential for steep drops.

Institutional investors hold a significant portion of Root, Inc.’s shares, controlling 58% of the company as of September 21, 2025. Major institutional owners include Ribbit Management Company, LLC, T. Rowe Price Investment Management, Inc., and BlackRock, Inc. Key individual owners and insider entities include Alexander Timm (CEO and Co-Founder), Capital Partners III LP, and Silver Lake Group LLC. Insiders have primarily been selling shares over the past year.