Root Inc Dossier
Outlook & Key Dates
Estimates, guidance, catalysts, and upcoming events
Analyst Estimates Learn more →
5-Yr Fwd EPS Growth
-0.6%projected annual EPS growth
Analyst Coverage
5analysts covering
FY EPS (est.)
$4.74next fiscal year
Reporting Calendar
| Event | Expected Date |
|---|---|
| Q3 2026 Earnings Release | 4 Nov 2026 |
Monitoring Framework
Key Performance Indicators
Policies in Force (PIF) Quarterly495.4KTarget: Continued growth through partnership and agency channels
Gross Combined Ratio Quarterly9,140.0%Target: Sustained under 100% to maintain underwriting profitability
Gross Premiums Earned QuarterlyTarget: 8% year-over-year growth or higher
Net Income Quarterly35.9MTarget: Stronger full-year 2026 net income than 2025
Watch Items
- Direct Marketing Channel SoftnessTrigger: Direct channel customer acquisition cost (CAC) exceeding lifetime value (LTV) hurdlesAction: Maintain marketing discipline, shift focus to partnership and independent agent channels
- Expansion into New StatesTrigger: Regulatory approval delays in New Jersey, Wyoming, Massachusetts, North Carolina, Michigan, Idaho, and MaineAction: Engage with state regulators to expedite approvals and expand addressable market
- Debt Refinancing and Interest SavingsTrigger: Realization of the expected $4.5 million to $5 million in annual interest savings from the Huntington National Bank facilityAction: Monitor debt-to-capital ratio to optimize SOFR-linked pricing tiers
Research as of 20 Jun 2026