ROOTRoot, Inc.
Fire, Marine & Casualty Insurance
- Revenue
- $1.5B
- 29% YoY
- Operating margin
- 4.1%
- 39% YoY
- EBITDA
- $62M
- 22% YoY
- Market cap
- —
- Employees
- —
- Net debt / EBITDA
- -5.0×
- −$312M net debt
- AI in 10-K
- —
Red flags 0 of 9
- TSR below peersClear—3+ of last 5 years
- High CEO pay despite TSRClear—Median CEO pay ≥ $15M and TSR flag
- Active 13DClear0 filingsActive-intent 13D in 18 months
- Net insider sellingClear$0 netNet sales over $10M in 12 months
- Earnings not backed by cashClear516% of net incomeCash flow under 80% of net income
- Dilutive SBCClear3% of revenueOver 10% of revenue
- Payouts exceed cash flowClear0% of cash flowBuybacks + dividends over cash flow
- Goodwill-heavyClear—Over 40% of assets
- Shareholder dissentClear—Any vote under 80% support
Financials
| Metric | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | YoY |
|---|---|---|---|---|---|---|
| Revenue | $345M | $311M | $455M | $1.2B | $1.5B | 29% |
| Operating income | −$485M | −$263M | −$101M | $79M | $62M | 21% |
| Net income | −$521M | −$298M | −$147M | $31M | $40M | 29% |
| Operating cash flow | −$403M | −$211M | −$34M | $196M | $207M | 5.5% |
| Capex | $5M | $0 | $200K | $400K | $0 | 100% |
| Stock-based comp | $19M | $31M | $17M | $19M | $40M | 117% |
| Buybacks | $0 | $0 | — | — | — |
Deal filings
None.
13D filers
None on file.
Insider trading
No open-market trades in the last 12 months.
Pay vs performance
| Year | CEO total comp | Comp actually paid | TSR (indexed) | Peer TSR |
|---|---|---|---|---|
| FY2025 | $8M | $14M | 26 | 87 |
| FY2024 | $11M | $34M | 26 | 92 |
| FY2023 | $9M | $10M | 4 | 61 |
| FY2022 | $5M | −$3M | 2 | 51 |
| FY2021 | $6M | −$25M | 20 | 83 |