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No insider purchase over the last 90 days. The latest was filed 15 Nov 2023.
Root, Inc.: what insiders have been doing
This page follows insider dealings at Root, Inc. as filed with SEC (Form 4), a company from the Banks sector. The last twelve months, up to 18 October 2026, brought 46 filings signed by 9 insiders.
Only sales appear on the open market, 10 sales in all totalling €2.0M, filed by 3 insiders. The largest single trade was a sale of €452k by Timm Alexander E., published on 12 December 2025.
Across the 5,811 companies tracked on its exchange, the median is 19 filings; at 46 filings, this issuer sits above that mark. Our records for Root, Inc. go back to 2021, with 4 purchases and 26 sales on the open market in total. For the fiscal year to 31 December 2025, the annual 10-K puts revenue at 1.52 bn USD and net income at 40.3 m USD.
Typically, a trade is published a median of 2 days after it takes place. For comparison, the SEC allows two business days to file a Form 4. Selling is not necessarily a view on the stock: liquidity needs and diversification are common motives.
Elsewhere in the same sector, our signals recently picked up insider purchases at First Guaranty Bancshares, Inc. and BCB Bancorp Inc. This summary is built from SEC (Form 4) disclosures alone and does not predict where the share price will go.
Insider Decl.
272
Thresholds
n/a
Buy Volume
€321,881
4 ops. · all time
Sell Volume
€7M
26 ops. · all time
Who traded when
BuySaleJonathan Allison10 sales
Alexander E. Timm3 sales
Mahtiyar Bonakdarpour3 sales
Julie Szudarek2 sales
Since the insiders bought
- +838.9%Entry US$9.47 · Close at T+365 US$88.91
- -89.1%Entry US$32.58 · Close at T+365 US$3.54
- -82.4%Entry US$26.82 · Close at T+365 US$4.73
Entry is the close on the day after publication, the first price a reader could act on. Prices in the listing currency. Past moves are not a forecast.
Analyst consensus: bullish or bearish?
Analysts rate Root, Inc. Hold (neutral), based on 5 analysts. Average price target: US$57.00.
This score ranks the purchase within its own market. A position size is suggested only on the venues of the backtested strategy universe; elsewhere, signals stay on watch. Not investment advice.
Fundamental score
Ranked 6,683 of 24,148 companies
62.7
score / 100
Value71
Quality55
FCF yld25%
Earn yld5.2%
EV/EBITDA10.7x
ROE15%
Gross mgn·
Net mgn2.7%
Debt/EBITDA2.2x
Pillars2/3
Transparent value + quality ranking, distinct from the insider signal.
Financial data
as of FY 2025FY ended December 2025 · cache
US$48.75
Analyst consensus
5 analystsHold
US$47.00Target US$57.00(+17%)US$75.00
Income statement
RevenueUS$1.5B
EBITDAUS$91.4M6% margin
Net incomeUS$40.3M3.7% margin
Valuation
PER (trailing)13.8x
PER (forward)15.9x
P/Book2.3x
Beta2.91
Balance sheet & cash
Market capUS$755.3M
Total debtUS$200.3M
Free Cash FlowUS$192.4M
Debt / Equity45%
Profitability & ownership
ROE15.4%
ROA3.3%
% insiders5.9%
% institutions64.7%
Last declaration on 22 September 2026
Declarations272 total
294 shares@ US$49.780.0020% mcap2.2% of flowClass A Common StockSEC:0001628280-26-063021:0
490 shares@ US$53.600.0036% mcap4.0% of flowClass A Common StockSEC:0001628280-26-062547:0
1,523 shares0Class A Common StockSEC:0001628280-26-058609:0
88 shares@ US$55.790.0007% mcap0.7% of flowClass A Common StockSEC:0001628280-26-058601:0
294 sharesClass A Common StockSEC:0001628280-26-044895:0
490 sharesClass A Common StockSEC:0001628280-26-043530:0
2,864 shares0Class A Common StockSEC:0001278602-26-000001:0
2,864 shares0Class A Common StockSEC:0001754374-26-000001:0
2,864 shares0Class A Common StockSEC:0001998619-26-000001:0
1,706 shares@ US$44.351.8% of flowClass A Common StockSEC:0001977858-26-000002:0
62,969 shares0Class A Common StockSEC:0001815994-26-000001:2
8,081 shares@ US$43.268.3% of flowClass A Common StockSEC:0001977858-26-000001:0
2,874 shares@ US$43.263.0% of flowClass A Common StockSEC:0001977858-26-000001:2
4,112 shares@ US$42.334.2% of flowClass A Common StockSEC:0001977858-26-000001:3
8,081 shares@ US$43.2621.6% of flowClass A Common StockSEC:0001828747-26-000001:0
2,131 shares@ US$43.265.7% of flowClass A Common StockSEC:0001828747-26-000001:2
19,198 shares@ US$43.2617.1% of flowClass A Common StockSEC:0001913361-26-000001:3
3,480 shares@ US$43.262.8% of flowClass A Common StockSEC:0001815994-26-000001:1
28,557 shares@ US$43.2623.3% of flowClass A Common StockSEC:0001815994-26-000001:3
1,642 shares@ US$43.261.5% of flowClass A Common StockSEC:0001913361-26-000001:0
10,882 shares@ US$43.269.7% of flowClass A Common StockSEC:0001913361-26-000001:1
14,965 shares@ US$43.2612.2% of flowClass A Common StockSEC:0001815994-26-000001:0
6,442 shares0Class A Common StockSEC:0001977858-26-000001:1
4,777 shares0Class A Common StockSEC:0001828747-26-000001:1
43,043 shares0Class A Common StockSEC:0001913361-26-000001:2
25 of 272 declarations
About Root, Inc.
Root, Inc. is a U.S.-based insurance technology company listed on the NASDAQ in the United States under the ticker ROOT. Founded in 2015 and headquartered in Columbus, Ohio, the company was built around a differentiated premise: auto insurance pricing should be driven primarily by driving behavior rather than by broad demographic proxies. That thesis is implemented through data science, machine learning, telematics, and a proprietary digital insurance platform. Root positions itself as a technology-enabled insurer that designs, underwrites, and distributes personal insurance products through a mobile-first experience and data-rich pricing models.
From a business-model perspective, Root began as a direct-to-consumer auto insurer and has gradually broadened its go-to-market strategy to diversify distribution and improve underwriting quality. Its core business remains personal auto insurance, but the company is increasingly emphasizing two additional growth vectors: independent agents and embedded partnerships within the automotive ecosystem. Root has said it is now present in 36 states and covers about 80% of the U.S. population, with a long-term ambition to reach the contiguous United States by the end of 2027. That footprint expansion matters because U.S. insurance is regulated state by state, making geographic scale a meaningful competitive advantage when paired with disciplined underwriting.
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Competitive positioning is central to the Root story. The company competes against large incumbent U.S. auto insurers and other insurtech players, but it seeks to differentiate through more precise risk selection, AI/ML-driven pricing, and a simpler customer journey. Management also highlights its growing independent-agent channel, which it views as a large addressable market with room for penetration, as well as embedded distribution partnerships with automotive platforms and OEM-linked ecosystems. Recent examples include relationships with Carvana, Toyota/Lexus connected-vehicle data initiatives, and Hyundai Capital America. These partnerships support Root’s strategy of meeting customers where they already are, reducing friction in the quote-and-bind process.
Recent developments have reinforced the company’s strategic narrative. In 2025, Root announced a strategic partnership with Hyundai Capital America aimed at delivering more personalized insurance solutions to HCA customers. The company has also continued to publish earnings updates and investor materials highlighting progress in AI-driven pricing, telematics adoption, state expansion, and embedded distribution. For investors, Root remains a higher-beta growth name relative to traditional insurers, but its improving scale, technology stack, and multi-channel distribution model make it one of the more distinctive public U.S. auto insurance platforms on the NASDAQ.
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