{"data":{"ticker":"ROOT","slug":"root-insurance","name":"Root Insurance","exchange":"NASDAQ","sector":"Financial Services","headquarters":"Columbus, Ohio","ceo":"Alexander Edward Timm","employees":1256,"website":"https://www.joinroot.com","founded":"2015","layers":[{"slug":"ai-saas","name":"AI Applications"}],"exposure":{"score":55,"tier":"Strategic","rationale":"Root prices auto insurance with telematics data and ML models that score actual driving behavior instead of demographics. AI underwriting is the entire differentiation, but value ultimately depends on loss ratios and growth in a brutal auto insurance market."},"quote":{"price":51.73,"change24hPct":-0.06,"change7dPct":-0.19,"change30dPct":11.82,"change1yPct":-35.97,"high52w":90.86,"low52w":43.21,"marketCap":801465920,"peRatio":14.61,"eps":3.54,"volume24h":6197254},"nextEarningsDate":"2026-11-04","summary":"Root Insurance sells auto insurance priced by how you actually drive. Its app measures driving behavior through phone telematics, and machine learning models turn that data into individualized premiums. Revenue comes from insurance premiums, with results hinging on how well the models price risk.","explainer":["Root Insurance sells auto insurance priced by how you actually drive. Its app measures driving behavior through phone telematics, and machine learning models turn that data into individualized premiums. Revenue comes from insurance premiums, with results hinging on how well the models price risk.","The model stack is the company: AI telematics scoring rates each driver from sensor data, ML pricing models set premiums from behavior rather than demographics, and behavioral AI underwriting decides who to insure and at what price.","Founded in 2015 and headquartered in Columbus, Ohio, Root trades on the NASDAQ and employs about 1,300 people under founder and CEO Alex Timm."],"buildoutRole":"Root sits in the AI Applications layer as an applied AI story in insurance. Its entire differentiation is underwriting with telematics and machine learning instead of demographic proxies, so AI is the product, not a feature. The catch is the arena: value ultimately depends on loss ratios and growth in a brutally competitive auto insurance market, not on AI demand. Supercycle scores its AI exposure at 55 out of 100.","faq":[{"q":"What does Root Insurance do?","a":"Root sells auto insurance priced with telematics. Its app measures actual driving behavior, and machine learning models convert that data into individualized premiums, replacing demographic-based pricing."},{"q":"How is Root exposed to AI?","a":"AI underwriting is its entire differentiation: telematics scoring and ML pricing are the product. Value still depends on loss ratios in a tough auto insurance market, and Supercycle rates its AI Exposure Score at 55 out of 100."},{"q":"What are Root's main AI products?","a":"AI telematics scoring that rates drivers from phone sensor data, ML pricing models that set premiums from behavior, and behavioral AI underwriting that decides which drivers to insure and at what price."},{"q":"Is ROOT a pure play AI stock?","a":"Not in the buildout sense. AI is central to how Root underwrites, but it is an insurance company whose results turn on loss ratios and growth. Its AI Exposure Score is 55 out of 100."},{"q":"Where is Root based and who leads it?","a":"Root Insurance is headquartered in Columbus, Ohio, and led by founder and CEO Alex Timm. Founded in 2015, the company employs about 1,300 people and its shares trade on the NASDAQ."}],"history1y":[{"date":"2026-09-22","close":48.55},{"date":"2026-09-23","close":46.76},{"date":"2026-09-24","close":47.81},{"date":"2026-09-25","close":47.4},{"date":"2026-09-28","close":46.73},{"date":"2026-09-29","close":46.02},{"date":"2026-09-30","close":46.11},{"date":"2026-10-01","close":46.21},{"date":"2026-10-02","close":46.26},{"date":"2026-10-05","close":47.42},{"date":"2026-10-06","close":47.17},{"date":"2026-10-07","close":47.74},{"date":"2026-10-08","close":48.56},{"date":"2026-10-09","close":49.13},{"date":"2026-10-12","close":48.34},{"date":"2026-10-13","close":48.75},{"date":"2026-10-14","close":49.12},{"date":"2026-10-15","close":50.53},{"date":"2026-10-16","close":50.47},{"date":"2026-10-19","close":52.32},{"date":"2026-10-20","close":52.53},{"date":"2026-10-21","close":52.09},{"date":"2026-10-22","close":53.87},{"date":"2026-10-23","close":52.88},{"date":"2026-10-26","close":51.83},{"date":"2026-10-27","close":52.29},{"date":"2026-10-28","close":52.1},{"date":"2026-10-29","close":53.73},{"date":"2026-10-30","close":51.76},{"date":"2026-11-02","close":51.73}],"incomeStatements":[{"ticker":"ROOT","report_period":"2025-12-31","fiscal_period":"2025-FY","period":"annual","currency":"USD","revenue":1517100000,"cost_of_revenue":0,"gross_profit":0,"operating_expense":0,"operating_income":0,"net_income":40300000,"earnings_per_share":2.36,"earnings_per_share_diluted":2.36,"research_and_development":0,"selling_general_and_administrative_expenses":271700000,"interest_expense":0,"income_tax_expense":0,"weighted_average_shares_diluted":0},{"ticker":"ROOT","report_period":"2024-12-31","fiscal_period":"2024-FY","period":"annual","currency":"USD","revenue":1176500000,"cost_of_revenue":0,"gross_profit":0,"operating_expense":0,"operating_income":0,"net_income":30900000,"earnings_per_share":1.83,"earnings_per_share_diluted":1.83,"research_and_development":0,"selling_general_and_administrative_expenses":205300000,"interest_expense":0,"income_tax_expense":0,"weighted_average_shares_diluted":0},{"ticker":"ROOT","report_period":"2023-12-31","fiscal_period":"2023-FY","period":"annual","currency":"USD","revenue":455000000,"cost_of_revenue":0,"gross_profit":0,"operating_expense":0,"operating_income":0,"net_income":-147400000,"earnings_per_share":-10.24,"earnings_per_share_diluted":-10.24,"research_and_development":0,"selling_general_and_administrative_expenses":132600000,"interest_expense":0,"income_tax_expense":0,"weighted_average_shares_diluted":0},{"ticker":"ROOT","report_period":"2022-12-31","fiscal_period":"2022-FY","period":"annual","currency":"USD","revenue":310800000,"cost_of_revenue":0,"gross_profit":0,"operating_expense":0,"operating_income":0,"net_income":-297700000,"earnings_per_share":-21.11,"earnings_per_share_diluted":-21.11,"research_and_development":0,"selling_general_and_administrative_expenses":175400000,"interest_expense":0,"income_tax_expense":0,"weighted_average_shares_diluted":0}],"balanceSheets":[{"ticker":"ROOT","report_period":"2025-12-31","fiscal_period":"2025-FY","period":"annual","currency":"USD","total_assets":1674500000,"current_assets":0,"cash_and_equivalents":669300000,"total_liabilities":1390200000,"current_liabilities":0,"total_debt":200300000,"shareholders_equity":284300000,"retained_earnings":-1641600000},{"ticker":"ROOT","report_period":"2024-12-31","fiscal_period":"2024-FY","period":"annual","currency":"USD","total_assets":1495700000,"current_assets":0,"cash_and_equivalents":599300000,"total_liabilities":1292000000,"current_liabilities":0,"total_debt":200100000,"shareholders_equity":203700000,"retained_earnings":-1681900000},{"ticker":"ROOT","report_period":"2023-12-31","fiscal_period":"2023-FY","period":"annual","currency":"USD","total_assets":1347700000,"current_assets":0,"cash_and_equivalents":678700000,"total_liabilities":1182000000,"current_liabilities":0,"total_debt":299000000,"shareholders_equity":165700000,"retained_earnings":-1715200000},{"ticker":"ROOT","report_period":"2022-12-31","fiscal_period":"2022-FY","period":"annual","currency":"USD","total_assets":1312900000,"current_assets":0,"cash_and_equivalents":762100000,"total_liabilities":1035800000,"current_liabilities":0,"total_debt":295400000,"shareholders_equity":277100000,"retained_earnings":-1567800000}],"holders13f":[],"news":[]},"meta":{"version":"v1","asOf":"2026-11-02","builtAt":"2026-11-03T05:33:50.134Z","tier":"free","source":"https://supercyclehq.com/stock/root-insurance","disclaimer":"Informational only, not investment advice. The AI Exposure Score is Supercycle's editorial opinion. Agent portfolios are simulated paper portfolios run by AI.","license":"Free to use and quote with attribution to supercyclehq.com. Do not redistribute as a dataset."},"links":{"self":"https://supercyclehq.com/api/v1/stocks/ROOT","html":"https://supercyclehq.com/stock/root-insurance","md":"https://supercyclehq.com/stock/root-insurance.md","docs":"https://supercyclehq.com/api/v1/openapi.json"}}