Stock Ratings / Financials / ROOT / dividends

DGICB (70) EIG (56) HIPO (61) DGICA (64) ⌘ Pro Terminal →

Root Inc. (Class A) (ROOT) Dividend Safety Gauge & 10-Year DRIP Compounder

$53.73 +3.13% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $53.93

Root Inc. (Class A) (ROOT) carries a Roarable Rating of C (Hold) with 62/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

📊 Historical Track Record: Scores of 62/100 (C) historically posted market-perform odds over rolling 90-day windows (+0.7% avg 90D alpha vs SPY) →

ROARABLE C • HOLD / WATCH Cap $832.5M

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on ROOT Below — or Connect Your Own ChatGPT / Claude

🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is ROOT stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

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As of 2026-11-02, Root Inc. (Class A) (NASDAQ: ROOT) is rated C (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 62/100 at a spot price of $53.73 (+3.13% 1D, market cap $832.5M). Pillar breakdown: Fundamental Cash Engine 16/20, Institutional 13F & Options Flow 9/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 7/20, and SEC Balance-Sheet Forensics 17/20. Across 1096 tracked Financials issuers, ROOT ranks #380 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief

🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does ROOT compare to DGICB and EIG in the Financials sector?

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Within the Financials sector (Property-Casualty Insurers), ROOT carries a Roarable C (62/100 RQD), trailing P/E of 20.8x, gross margin of —, and ROIC of 85.0%. By comparison, DGICB (Donegal Group Inc. (Class B)) holds a B- grade (70/100 RQD, P/E 11.1x, ROIC 12.4%, cap $879.7M) and EIG (Employers Holdings Inc) posts a D+ grade (56/100 RQD, P/E 81.6x, ROIC 1.1%, cap $881.5M). Among the 5-stock peer group, DGICA leads on earnings multiple (8.8x) while ROOT leads on capital efficiency (85.0% ROIC).

✓ Pre-computed one-to-many AI Quant brief

🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for ROOT?

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Per ROOT's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001788882), Root Inc. (Class A) generated $1.52B in revenue (+29.0% YoY), $40.0M in net income, and $206.5M in free cash flow against $1.67B in total assets and $0 in total debt. Key quantitative strengths: Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks.. Primary risk factors monitored: Sensitive to high interest rates and tighter Federal Reserve market liquidity.. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief

🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $53.93 (+0.37%)🧬 Cannibal Buyback (-2.64% YoY Shares)⚙️ Cash Engine: 16/20 (B+) • 13.6% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 62/100 (C) historically posted market-perform odds over rolling 90-day windows (+0.7% avg 90D alpha vs SPY • 54.3% hit rate — wait for RQD ≥ 70 breakout).

Audit Bucket Track Record →

RQD QUANT TACHOMETERHOLD / WATCH • C

JEV AI Jury Split (Battleground)

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw B- · Rk D

Each axis scored 0–20

12M PRICE TARGET CONE+1.8% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for ROOT)Realized 20D OHLCV Swing Band: ±7.1%

Deterministic 5-Pillar Attribution (62/100 Composite)

🔍 WHY ROOT SCORES 62/100 (C) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Insider Conviction & Share Dilution+17/20 pts (27% of score)

SEC Form 4 / 13F Thermometer: 85% Net Buy • Cannibal Buyback (-2.64% YoY Shares)

▲ #2 Bullish Driver: Cash Engine Quality+16/20 pts (26% of score)

SEC XBRL FY 2025 (10-K): 13.6% FCF Margin ($206.5M FCF) & 52% Gross Margin

▼ #1 Drag / Risk Factor: Macro Regime Fit7/20 pts (-13 pt drag)

Macro rate sensitivity & RSI-14 (59.1) create a -13 pt regime headwind

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade C-$48.34+8.2% Next Q

Q2 (-2Q)

Grade C$52.32-0.9% Next Q

Q3 (-1Q)

Grade C$51.83+3.7% Next Q

Current

Grade C$53.73+0.7% Hist 90D α

Trajectory: C- (54) → C (62)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the ROOT Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 62/100 (C) score, ROOT faces multiple-compression risk if 20.8x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Sensitive to high interest rates and tighter Federal Reserve market liquidity.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.64% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($51.47) or 200D SMA ($54.14) invalidates the momentum regime and cuts Target Base ($54.70) toward Bear Floor ($42.67).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $ROOT• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “ROOT Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”

YES 62%NO 38%Trade / Inspect Odds →

CASH DIVIDEND + BUYBACK YIELD

1.8% Total Yield

0% Cash ($0.00/yr) + 1.8% Buybacks

PAYOUT SAFETY SPEEDOMETER

74/100 • REINVESTING IN GROWTH + BUYBACKS

FREE CASH FLOW PAYOUT RATIO

0% (100% Reinvested)

Retains cash flow for R&D and share repurchases

INTERACTIVE DRIP & SHAREHOLDER-YIELD COMPOUNDER (16.3% EST. ANNUAL)

$10,000 Compounded Over 10 Years → $45,269

Est. Year-10 Shareholder Yield: $815/yr

Starting Investment: $10,000

Compounding Horizon: 10 Years

$11.6K

Yr 1

$13.5K

Yr 2

$15.7K

Yr 3

$18.3K

Yr 4

$21.3K

Yr 5

$24.7K

Yr 6

$28.8K

Yr 7

$33.5K

Yr 8

$38.9K

Yr 9

$45.3K

Yr 10

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher + Cash-Flow & Quality Compounder Desk

Cash-Fortress Compounders: Auditing Free Cash Flow & Yield Safety in ROOT & A-Rated Leaders

✓12-month Bull/Base/Bear fair-value walkthrough on ROOT and its top sector peer
✓Top Roarable A-Rated cash compounders with verified executive & 13F accumulation
✓Includes nightly RQD rating-change & forensic signal email alerts

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?

Join Founding VIP Waitlist (No Card Required) →$100K Arena

ROOT // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +2.26%⚡ TESTING RESISTANCE

2026-11-02O $52.10H $53.73L $52.10C $53.73VOL 101.1K

RES: $53.89SUP: $44.98SMA50: $51.47SMA200: $54.14

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

ROOT Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 ROOT Butterfly Map → + Track ROOT →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

14.4%/yr Implied 5Y Growth

vs. +29.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on ROOT today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for ROOT. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for ROOT today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (ROOT)

Financials Rank #380 of 1096 ⚔️ DGICB vs ROOT Full Matrix →

1. Head-to-Head Financials Peer Comparison (ROOT vs. DGICB, EIG, HIPO, DGICA)

Industry: Property-Casualty Insurers (68 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, Root Inc. (Class A) (ROOT) ranks #380 by composite RQD confidence (62/100, grade C) and #591 by equity capitalization ($832.5M). Within this direct 5-issuer industry benchmark cohort, DGICA leads on earnings valuation at 8.8x trailing P/E, while ROOT leads on capital efficiency and profitability with 85.0% ROIC and — gross margin. DGICB currently holds the highest overall quantitative score in the immediate peer group at 70/100 (B-) compared with ROOT at 62/100 (C).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
ROOT ACTIVE Root Inc. (Class A)	C	62/100	20.8x	—	85.0%	+3.13%	$832.5M	Benchmark Subject
DGICB Donegal Group Inc. (Class B)	B-	70/100	11.1x	—	12.4%	-8.49%	$879.7M	/dgicb-vs-root →
EIG Employers Holdings Inc	D+	56/100	81.6x	—	1.1%	-4.53%	$881.5M	/eig-vs-root →
HIPO Hippo Holdings Inc.	C-	61/100	15.7x	—	14.4%	-1.46%	$980.6M	/hipo-vs-root →
DGICA Donegal Group Inc. (Class A)	C	64/100	8.8x	—	12.4%	+1.07%	$699.0M	/dgica-vs-root →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001788882

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Root Inc. (Class A) (ROOT) reported GAAP revenue of $1.52B (+29.0% vs. FY2024 revenue of $1.18B , and +233.4% cumulative change since FY2023) , GAAP net income of $40.0M, operating cash flow of $206.5M, and free cash flow of $206.5M (+5.7% YoY). On the balance sheet, ROOT closed FY2025 with $1.67B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 6/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$1.52B	$40.0M	$206.5M	$206.5M	$1.67B	—
FY2024 (FY)	2024-12-31	$1.18B	$31.0M	$195.7M	$195.3M	$1.50B	—
FY2023 (FY)	2023-12-31	$455.0M	-$147.0M	-$33.6M	-$33.6M	—	—

3. ROOT Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is ROOT stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

How does ROOT compare to DGICB and EIG in the Financials sector?

What are the biggest fundamental strengths and SEC risk factors for ROOT?

Where is ROOT trading relative to its 50-day, 200-day, and 52-week technical levels?

ROOT last traded at $53.73 (+3.13% on volume of 101,140 shares), positioning the stock +4.39% above its 50-day simple moving average ($51.47) and -0.76% below its 200-day simple moving average ($54.14). Across its 52-week range of $40.91 to $91.00, ROOT sits at the 25.6% percentile with a 14-day RSI of 59.1 (BULLISH MOMENTUM) and an implied next-earnings move of ±7.1% ($49.92 to $57.54).

ROOT Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Does ROOT pay a dividend and is it safe?

Root Inc. (Class A) (ROOT) offers a 0% cash dividend yield ($0.00 annualized) and 1.8% total shareholder yield including buybacks. Roarable rates its payout coverage as REINVESTING IN GROWTH + BUYBACKS.

Direct Sub-Reports: ROOT RQD Cockpit ROOT 12M Forecast ROOT Earnings & Move ROOT Dividends & DRIP ROOT Insiders & 13F ROOT Whale Options ROOT Profit Sankey ROOT News & Why