Root Inc - Asset Resilience Ratio
Root Inc (ROOT) has an Asset Resilience Ratio of 25.16% as of December 2025. The Asset Resilience Ratio measures the percentage of a company's total assets that are held in liquid form (cash and short-term investments). This metric indicates how well-positioned the company is to handle unexpected financial challenges, economic downturns, or strategic opportunities without requiring external financing. Read how much debt does Root Inc carry for a breakdown of total debt and financial obligations.
Liquid Assets
Total Assets
Resilience Assessment
Asset Resilience Ratio Trend (2018–2025)
This chart shows how Root Inc's Asset Resilience Ratio has changed over time. See what is Root Inc's book value for net asset value and shareholders' equity analysis.
Liquid Assets Composition Over Time
This chart breaks down Root Inc's liquid assets into cash & equivalents and short-term investments, showing how the composition has evolved over time. For market capitalisation and broader financial context, see ROOT market cap overview.
Current Liquid Assets Breakdown
| Component | Amount | % of Total Assets |
|---|---|---|
| Cash & Equivalents | $0.00 | 0% |
| Short-term Investments | $387.00 Million | 25.16% |
| Total Liquid Assets | $387.00 Million | 25.16% |
Asset Resilience Insights
- Very High Liquidity: Root Inc maintains exceptional liquid asset reserves at 25.16% of total assets.
- This level provides strong protection against economic uncertainties but may indicate potential for more aggressive growth investments.
- The company has significant short-term investments, indicating active treasury management.
Root Inc Industry Peers by Asset Resilience Ratio
Compare Root Inc's asset resilience ratio with other companies in the same industry.
| Company | Industry | Asset Resilience Ratio |
|---|---|---|
|
W. R. Berkley Corp
NYSE:WRB |
Insurance - Property & Casualty | 62.50% |
|
PICC Property and Casualty Company Limited
F:PJC |
Insurance - Property & Casualty | 33.66% |
|
Definity Financial Corp
TO:DFY |
Insurance - Property & Casualty | 2.29% |
|
Lotte Non-Life
KO:000400 |
Insurance - Property & Casualty | 46.65% |
|
QBE Insurance Group Ltd
AU:QBE |
Insurance - Property & Casualty | 3.80% |
|
Suncorp Group Ltd
AU:SUNPH |
Insurance - Property & Casualty | 69.36% |
|
Suncorp Group Ltd
AU:SUN |
Insurance - Property & Casualty | 3.36% |
|
Insurance Australia Group Ltd
AU:IAG |
Insurance - Property & Casualty | 2.07% |
Annual Asset Resilience Ratio for Root Inc (2018–2025)
The table below shows the annual Asset Resilience Ratio data for Root Inc.
| Year | Asset Resilience Ratio (%) | Liquid Assets | Total Assets | Change |
|---|---|---|---|---|
| 2025-12-31 | 25.16% | $387.00 Million | $1.54 Billion | +1.91pp |
| 2024-12-31 | 23.24% | $306.80 Million | $1.32 Billion | +9.04pp |
| 2023-12-31 | 14.21% | $166.80 Million | $1.17 Billion | +4.40pp |
| 2022-12-31 | 9.81% | $128.80 Million | $1.31 Billion | -2.40pp |
| 2021-12-31 | 12.21% | $129.90 Million | $1.06 Billion | -0.50pp |
| 2020-12-31 | 12.71% | $224.00 Million | $1.76 Billion | -5.19pp |
| 2019-12-31 | 17.90% | $122.80 Million | $685.90 Million | +7.11pp |
| 2018-12-31 | 10.80% | $20.20 Million | $187.10 Million | -- |
About Root Inc
Root, Inc. provides insurance products and services in the United States. The company offers automobile and renters insurance products primarily through websites, mobile applications, and partnership channels. Root, Inc. was incorporated in 2015 and is headquartered in Columbus, Ohio.