Root

ROOT · NASDAQ

$52.53+$0.21 (+0.40%)TodayMarket closed · Oct 20, 7:30 PM ET

Prev close $52.32

ROOT analyst rating

HoldConsensus of 4 analysts over the last 12 months. 25% rate it a buy.

Strong buy0
Buy1
Hold3
Underperform0
Sell0

12-month price target · 7 analysts

Average $61.40 (+16.9% upside)

Low: $50.50
Now: $52.53
High: $84.00

Upgrades and downgrades

The latest rating actions, newest first

ROOT analyst upgrades, downgrades and rating actions
Firm	Date	Action	Rating	Price target	Hit rate
Wells Fargo	Oct 12, 2026	Maintains	Equal-Weight	$53.00 → $47.00	60%
Jefferies	Aug 11, 2026	Downgrade	Buy → Hold	$78.00 → $58.00	59%
Keefe, Bruyette & Woods	Aug 6, 2026	Maintains	Outperform	$95.00 → $80.00	65%
Wells Fargo	Jul 9, 2026	Maintains	Equal-Weight	$58.00 → $61.00	60%
UBS	May 11, 2026	Maintains	Neutral	$52.00 → $50.00	68%
Wells Fargo	May 7, 2026	Maintains	Equal-Weight	$52.00 → $58.00	60%
Wells Fargo	Apr 9, 2026	Maintains	Equal-Weight	$70.00 → $52.00	60%
Keefe, Bruyette & Woods	Apr 7, 2026	Maintains	Outperform	$104.00 → $95.00	65%
UBS	Mar 9, 2026	Maintains	Neutral	$90.00 → $52.00	68%
Wells Fargo	Feb 26, 2026	Maintains	Equal-Weight	$75.00 → $70.00	60%

The case for and against

Updated Jan 26, 2026

Bull case

Root Inc reported a gross written premium of $346 million, reflecting a year-over-year increase of 12%, which demonstrates the company's ongoing revenue growth despite missing consensus expectations. The company also achieved a policy in force (PIF) count of 455,000, marking a 12% increase year-over-year, indicating robust customer acquisition efforts. Analysts suggest that Root's focus on telematics, segmentation, and channel diversification are crucial for sustaining profitable growth in the competitive auto insurance market.

Bear case

Root Inc has experienced a decline in year-over-year operating cash flow, dropping from $63 million in 2Q24 to $52 million in 2Q25 despite remaining positive for eight consecutive quarters. Additionally, the company reported a significant decrease in unencumbered capital, which fell by $33 million to $314 million, indicating potential liquidity concerns. These financial trends raise doubts about Root's operational efficiency and financial stability, contributing to a negative outlook on the stock.

Information on this page is provided for informational purposes only and is not a recommendation to buy, sell or hold any security. Investing involves risk, including possible loss of principal. Market data is delayed at least 15 minutes and is provided without warranty. Analyst ratings, price targets and company data come from third-party sources. Past performance does not guarantee future results.