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The latest announcement is out from Root ( (ROOT) ).
In Q3 2025, Root achieved record growth in policies-in-force and revenue, with a 27% year-over-year increase in total revenue and a 29% growth in net earned premiums. The company reported a gross loss ratio of 59%, benefiting from its advanced pricing and underwriting technology. Root’s strategic focus on technology and innovation has enabled it to expand its independent agent network, tripling new writings year-over-year, and to launch in Washington, increasing its reach to 36 states. Despite a net loss of $5 million due to non-cash expenses related to its partnership with Carvana, Root maintains a strong capital position with $309 million in unencumbered capital. The company continues to invest in technology and growth initiatives to drive long-term profitability and shareholder value.
The most recent analyst rating on (ROOT) stock is a Hold with a $84.00 price target. To see the full list of analyst forecasts on Root stock, see the ROOT Stock Forecast page.
Spark’s Take on ROOT Stock
According to Spark, TipRanks’ AI Analyst, ROOT is a Neutral.
Root’s overall stock score is driven by strong financial performance and positive earnings call highlights, including record revenue and strategic advancements. However, technical analysis indicates bearish trends, and valuation is moderate. Near-term profitability pressures and competitive challenges in the direct channel are notable risks.
To see Spark’s full report on ROOT stock, click here.
More about Root
Root is a technology-driven insurance company that combines a core technology platform with a full-stack insurance carrier. It focuses on personal lines insurance, leveraging advanced data science and machine learning to offer competitive pricing and enhanced customer experiences. Root is expanding its distribution channels, including independent agents, automotive, and financial services partners, to scale its operations and increase market presence.
Average Trading Volume: 563,987
Technical Sentiment Signal: Sell
Current Market Cap: $1.22B
For an in-depth examination of ROOT stock, go to TipRanks’ Overview page.