Root Inc (ROOT) - Net Assets
Based on the latest financial reports, Root Inc (ROOT) has net assets worth $396.30 Million USD as of December 2025. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($1.54 Billion) and total liabilities ($1.14 Billion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off. Check ROOT cash and liquid asset ratio to evaluate the company's liquid asset resilience ratio.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $396.30 Million |
| % of Total Assets | 25.76% |
| Annual Growth Rate | 24.2% |
| 5-Year Change | -38.88% |
| 10-Year Change | N/A |
| Growth Volatility | 163.43 |
Root Inc - Net Assets Trend (2018–2025)
This chart illustrates how Root Inc's net assets have evolved over time, based on quarterly financial data. Also explore Root Inc assets under control for the complete picture of this company's asset base.
Annual Net Assets for Root Inc (2018–2025)
The table below shows the annual net assets of Root Inc from 2018 to 2025. For live valuation and market cap data, see ROOT company net worth.
| Year | Net Assets | Change |
|---|---|---|
| 2025-12-31 | $396.30 Million | +25.53% |
| 2024-12-31 | $315.70 Million | +13.68% |
| 2023-12-31 | $277.70 Million | +0.22% |
| 2022-12-31 | $277.10 Million | -57.26% |
| 2021-12-31 | $648.40 Million | -37.19% |
| 2020-12-31 | $1.03 Billion | +453.86% |
| 2019-12-31 | $186.40 Million | +114.50% |
| 2018-12-31 | $86.90 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to Root Inc's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have decreased by 153900000000.0% over the analyzed period, potentially due to dividend distributions or operating losses.
Current Equity Component Breakdown (December 2025)
| Component | Amount | Percentage |
|---|---|---|
| Other Comprehensive Income | $3.90 Million | 0.98% |
| Other Components | $2.03 Billion | 513.25% |
| Total Equity | $396.30 Million | 100.00% |
Root Inc Competitors by Market Cap
The table below lists competitors of Root Inc ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Orrstown Financial Services Inc
NASDAQ:ORRF
|
$725.47 Million |
|
Lotte Confectionery Co Ltd
KO:280360
|
$725.58 Million |
|
Shenzhen Easttop Supply Chain Management Co Ltd
SHE:002889
|
$725.62 Million |
|
Viglacera Corp JSC
VN:VGC
|
$725.67 Million |
|
Ponsse Oyj 1
HE:PON1V
|
$725.08 Million |
|
Wafer Works
TWO:6182
|
$724.72 Million |
|
Jiangsu Yike Food Group Co.Ltd
SHE:301116
|
$724.67 Million |
|
Amerigo Resources Ltd.
TO:ARG
|
$724.65 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Root Inc's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 315,700,000 to 396,300,000, a change of 80,600,000 (25.5%).
- Net income of 40,300,000 contributed positively to equity growth.
- Other comprehensive income increased equity by 6,200,000.
- Other factors increased equity by 34,100,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $40.30 Million | +10.17% |
| Other Comprehensive Income | $6.20 Million | +1.56% |
| Other Changes | $34.10 Million | +8.6% |
| Total Change | $- | 25.53% |
Book Value vs Market Value Analysis
This analysis compares Root Inc's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 2.39x
- The company is trading above its book value, indicating the market recognizes value beyond its reported assets.
- The price-to-book ratio has increased from 1.12x to 2.39x over the analyzed period, suggesting growing market confidence.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2018-12-31 | $49.03 | $55.05 | x |
| 2019-12-31 | $13.24 | $55.05 | x |
| 2020-12-31 | $246.14 | $55.05 | x |
| 2021-12-31 | $46.83 | $55.05 | x |
| 2022-12-31 | $19.65 | $55.05 | x |
| 2023-12-31 | $19.28 | $55.05 | x |
| 2024-12-31 | $18.68 | $55.05 | x |
| 2025-12-31 | $23.04 | $55.05 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Root Inc utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 10.17%
- The company shows good efficiency in utilizing shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 2.66%
- • Asset Turnover: 0.99x
- • Equity Multiplier: 3.88x
- Recent ROE (10.17%) is above the historical average (-60.89%), indicating improving capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2018 | -79.52% | -159.58% | 0.23x | 2.15x | $-77.79 Million |
| 2019 | -151.50% | -97.31% | 0.42x | 3.68x | $-301.04 Million |
| 2020 | -35.16% | -104.67% | 0.20x | 1.71x | $-466.24 Million |
| 2021 | -80.37% | -150.87% | 0.32x | 1.64x | $-585.94 Million |
| 2022 | -107.43% | -95.79% | 0.24x | 4.74x | $-325.41 Million |
| 2023 | -53.08% | -32.40% | 0.39x | 4.23x | $-175.17 Million |
| 2024 | 9.79% | 2.63% | 0.89x | 4.18x | $-670.00K |
| 2025 | 10.17% | 2.66% | 0.99x | 3.88x | $670.00K |
Industry Comparison
This section compares Root Inc's net assets metrics with peer companies in the Insurance - Property & Casualty industry.
Industry Context
- Industry: Insurance - Property & Casualty
- Average net assets among peers: $6,491,397,700
- Average return on equity (ROE) among peers: 17.44%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Root Inc (ROOT) | $396.30 Million | -79.52% | 2.88x | $725.16 Million |
| American Coastal Insurance Corp (ACIC) | $42.93 Million | 77.85% | 4.43x | $551.54 Million |
| American Financial Group Inc (AFG) | $2.06 Billion | -2.72% | 6.98x | $10.94 Billion |
| Aspen Insurance Holdings Limited (AHL) | $3.42 Billion | 9.42% | 2.23x | $120.77 Million |
| American Integrity Insurance Group, Inc. (AII) | $133.97 Million | 28.21% | 5.43x | $372.20 Million |
| Assurant Inc (AIZ) | $3.72 Billion | 12.87% | 5.81x | $10.94 Billion |
| The Allstate Corporation (ALL) | $16.72 Billion | 5.11% | 6.93x | $54.30 Billion |
| Ategrity Specialty Insurance Company Holdings (ASIC) | $-243.54 Million | 0.00% | 0.00x | $943.55 Million |
| Bowhead Specialty Holdings Inc. (BOW) | $370.44 Million | 10.32% | 3.47x | $797.28 Million |
| Chubb Ltd (CB) | $28.82 Billion | 13.04% | 2.28x | $127.02 Billion |
| Cincinnati Financial Corporation (CINF) | $9.86 Billion | 20.25% | 1.58x | $25.23 Billion |
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.