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ROOT

Root Inc
Chart
$53.54
Latest Week 2026-06-05
Financial ServicesInsurance - Property & CasualtySMALL
Snapshot 2026-06-07 · 0.0w · Fresh
0.83
OS Score
90.0%
Value
84.0%
Quality
1.0%
Momentum
6/9
F-Score
0.869
QV
StrategiesValueQualityMomentumCompositeInteractionsFactor AnalysisTrendsFundamentals
Strategy Eligibility
5 of 23 passing
★
OS Composite
OS 0.830
↗
Trending Value
✗
◆
Quality × Value
QV 0.869
🏛
Cornerstone Value
✗
🌿
Cornerstone Growth
✗
💎
Deep Value
✗
◇
VC2 Cheapest
✗
📐
EBITDA/EV
17.9%
◐
Veiled Value
✗
▣
Piotroski Bargains
✗
🔬
Quality Compounders
✗
📈
Consistent Earners
✗
🌱
GARP
Rev +23%
🔄
Shareholder Yield
✗
💰
High Yield
✗
🚀
Momentum Leaders
✗
◉
Market Leaders
✗
◎
Tiny Titans
✗
🔍
Small Cap Value
Val 90th
🛡
Low Volatility
✗
🏷
Sector Cheapest
✗
🧠
Capital Allocators
✗
⚡
Risk-Adj Momentum
✗
V
Value Analysis
Cheapness relative to fundamentals
90.0%ile
P/E
15.9×
P/S
0.6×
P/B
2.1×
E/P
0.0628
FCF Yield
0.399
EBITDA/EV
0.179
SH Yield
0.000
Relative Strength Across Value Dimensions
Multiples & Yields — Decomposition
VC1 (5-Factor)
10.00000000
/100 — 1=cheapest
VC2 (Trending Value)
18.00000000
/100
VC3 (Buyback)
18.00000000
/100
FCF yield of 39.9% is strong — the business generates significant free cash relative to price.
Q
Quality Analysis
Profitability, efficiency, balance sheet & earnings quality
84.0%ile
ROE
0.132
ROA
0.037
Net Margin
0.037
Op Margin
0.051
GPA
0.286
D/E
2.57
Current
2.46
F-Score
6/9
Quality Radar — Relative Strength
Profitability & Leverage Breakdown
Rev Growth
0.228
Earn Growth
0.041
Stability
1.078
lower=better
Accruals
-0.084
lower=better
5yr Consist
No
Highly leveraged with D/E of 2.57 — returns are being amplified by debt.
M
Momentum & Risk
Price trend, volatility regime, risk-adjusted returns
1.0%ile
6M Return
-33.1%
12M Return
-64.7%
12-1 Mom
-62.8%
Risk-Adj
-1.17
Vol 252d
53.8%
Vol 60d
111.1%
↑ Expanding
Max DD 12M
-70.5%
Return Comparison — 6M / 12M / 12-1
Volatility Regime — 60d vs 252d
12-1 momentum of -63% signals a downtrend — price is moving against you. Near-term vol (111%) is expanding vs long-term (54%) — risk is increasing.
OS
Composite & Factor Heatmap
All factors at a glance
0.83
Pillar Balance — Value / Quality / Momentum
Factor Heatmap — green=strong, red=weak
▦
Sector Context
Financial Services · 500 peers
Sector Value %ile
76.4%
Sector Quality %ile
71.7%
P/E z-score
0.09
P/B z-score
-0.03
Sector Avg OS
86.5%
Ticker vs Sector Averages
Relative Valuation Z-Score
Top Sector Peers (By OS)
SymbolNameOSValueQualityMomentum
UVE Universal Insurance Holdings Inc 99.0% 96.0% 94.0% 82.0%
HG Hamilton Insurance Group, Ltd. 99.0% 97.0% 94.0% 85.0%
BFH Bread Financial Holdings, Inc. 99.0% 97.0% 97.0% 90.0%
BAP Credicorp Ltd 99.0% 98.0% 93.0% 84.0%
MCY Mercury General Corporation 99.0% 95.0% 93.0% 86.0%
CARE Carter Bank and Trust 99.0% 96.0% 98.0% 88.0%
SYF Synchrony Financial 98.0% 96.0% 97.0% 72.0%
HAFC Hanmi Financial Corporation 98.0% 94.0% 90.0% 79.0%
Factor Interactions
Value + Quality Intersection
Top-tier on both cheapness (90th) and quality (84th) — the O'Shaughnessy sweet spot, historically the strongest long-term combination.
Growth at Reasonable Price
Revenue growing 23% with P/E of 16×. Growth isn't fully priced in.
Falling Knife
Weak momentum (1th) despite looking cheap (90th value). Wait for momentum to stabilise.
Volatility Expanding
60-day vol (111%) significantly exceeds 252-day (54%). Near-term risk is elevated.
⚖
Factor Analysis
Comprehensive factor intelligence — strengths, weaknesses & cross-factor profile
Value
B
70.7% avg (7 factors)
Quality
C
47.4% avg (8 factors)
Momentum
F
0.0% avg (4 factors)
Risk
F
27.0% avg (1 factors)
Momentum is weak, suggesting the market isn't yet buying this thesis. Patience required. Elevated risk profile — position sizing should reflect the higher volatility.
▲ Top Strengths — highest scoring factors
▼ Key Weaknesses — lowest scoring factors
Factor Persistence1 snapshots
FactorCurrentStreakTrendSpark
OS Composite0.830—1—
Value %ile0.900—1—
Quality %ile0.840—1—
Momentum %ile0.010—1—
F-Score6.000—0—
Confidence1.000—1—
Volatility0.538—1—
Value FactorsCheapness relative to fundamentals — lower multiples = cheaper
P/E Ratio
15.93
Earnings Yield (E/P)
0.0628
Price / Sales
0.59
Price / Book
2.10
Price / Cash Flow
4.87
FCF Yield
39.9%
EBITDA / EV
17.9%
Sales Yield (1/P·S)
3.0475
Shareholder Yield
Div + net buyback / mktcap
0.0%
Quality FactorsProfitability, efficiency, and balance sheet strength
Return on Equity
13.2%
Return on Assets
3.7%
Net Margin
3.7%
Operating Margin
5.1%
Gross Profit / Assets
Novy-Marx GPA
28.6%
Debt / Equity
2.57
Current Ratio
2.46
Accruals Ratio
(NI-OCF)/Assets — lower=better
-0.084
MomentumPrice trend strength over different horizons
6M Return
-33.1%
12M Return
-64.7%
12-1 Momentum
Jegadeesh-Titman (skip recent month)
-62.8%
Risk-Adjusted Momentum
Mom 12-1 ÷ Vol
-1.17
Growth & StabilityEarnings trajectory, consistency, and capital allocation
Revenue Growth (YoY)
22.8%
Earnings Growth (YoY)
4.1%
Earnings Stability (CV)
Lower = more stable
1.078
5yr Consistent
EPS up every year for 5 years
No
Piotroski F-Score
6
Dividend Yield
0.0%
Buyback Yield
0.0%
O'Shaughnessy CompositesValue Composites (WWOWS 4th Ed) — 1=cheapest, 100=most expensive
VC1 (5-factor)
P/E+P/S+P/B+P/CF+EBITDA/EV
10
VC2 (6-factor)
VC1 + Shareholder Yield — used for Trending Value
18
VC3 (6-factor)
VC1 + Buyback Yield — no dividend preference
18
Capital Allocation & AlphaAlpha within factors — quality of management decisions
Veiled Value
Expensive by P/B, cheap by everything else
No
Market Leader
Above-avg mcap+revenue, non-utility
No
All Stocks Universe
Market cap > $200M
Yes
Tiny Titan
Micro-cap, low P/S, positive momentum
No
Quarterly Fundamentals
Revenue
Net Income
FCF
Net Margin
Show all
Op Income
OCF
CapEx
Equity
Annual Fundamentals
Revenue
Net Income
FCF
Net Margin
Show all
Op Income
OCF
CapEx
Equity