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Sentiment · FY2026 Q1
| Analyst | Firm | Questions | ChallengePercentage of questions scored as challenging — where the analyst pushed back, pressed for specifics, or questioned management's assumptions. |
|---|---|---|---|
| Tom McJoynt | KBW | 15 | 0% |
| Charlie Rodgers | Jefferies | 10 | 0% |
| Elyse Greenspan | Wells Fargo | 9 | 0% |
| Hristian Getsov | Wells Fargo | 8 | 0% |
| Andy Kligerman | TD Cowen | 7 | 29% |
| Andy Andersen | Jefferies | 4 | 0% |
| Firm | Analysts | Questions | ChallengePercentage of questions scored as challenging — where the analyst pushed back, pressed for specifics, or questioned management's assumptions. |
|---|---|---|---|
| Wells Fargo | 2 | 17 | 0% |
| KBW | 1 | 15 | 0% |
| Jefferies | 2 | 14 | 0% |
| TD Cowen | 1 |
| 7 |
| 29% |
Root delivered its most profitable quarter ever with $36 million in net income and an annualized ROE of 47%, reversing the prior quarter's expectation of lower 2026 net income. Partnership and independent agent new writings grew over 30% year-over-year, with the company now partnering with 15,000+ agents across 5,000 agencies and launching Freeway Insurance. A $200 million debt refinancing with Huntington lowered annual interest expense by roughly $5 million, and the board authorized a $75 million share repurchase program, though direct channel marketing was scaled back in March as the competitive environment intensified.
Competitive Dynamics | Pricing | Margin | Subscriber Growth | Macroeconomic | Capex Investment | Trade Tariffs | Innovation & R&D | |
|---|---|---|---|---|---|---|---|---|
| 2024Q4 | 5 | 2 | 4 | 1 | 1 | 1 | 1 | |
| 2025Q1 | 2 | 2 | 1 | 2 | 2 | 1 | 1 | |
| 2025Q2 | 6 | 3 | 4 | 2 | 2 | 2 | 1 | |
| 2025Q3 | 3 | 2 | 1 | 3 | 2 | 1 | ||
| 2025Q4 | 3 | 4 | 1 | 3 | 1 | 1 | 3 | |
| 2026Q1 | 4 | 3 | 3 | 2 | 1 | 2 |
| '24Q4 | '25Q1 | '25Q2 | '25Q3 | '25Q4 | '26Q1 | |
|---|---|---|---|---|---|---|
| Competitive Dynamics | 5 | 2 | 6 | 3 | 3 | 4 |
| Pricing | 2 | 2 | 3 | 2 | 4 | 3 |
| Margin | 4 | 1 | 4 | 1 | 1 | 3 |
| Subscriber Growth | 1 | 2 | 2 | 3 | 3 | 2 |
| Macroeconomic | 1 | 2 | 2 | 1 | 1 | |
| Capex Investment | 1 | 1 | 2 | 1 | 2 | |
| Trade Tariffs | 1 | 1 | 2 | 1 | ||
| Innovation & R&D | 1 | 3 |
| Company | Score | Trend | Rev YoY |
|---|---|---|---|
ROOT Root, Inc. | 8 | +12.6% | |
| ALL Allstate | 7 | +4.2% | |
| CB Chubb Limited | 7 | +9.5% | |
| CINF Cincinnati Financial | 7 | +11.6% | |
| ERIE Erie Indemnity | 6 | +2.3% | |
| KMPR Kemper Corporation | 2 | -6.8% | |
| L Loews Corporation | 5 | +2.6% | |
| LMND Lemonade, Inc. | 9 | +55.0% | |
| MCY Mercury General Corporation | 8 | +10.5% | |
| PGR Progressive Corporation | 7 | +8.7% | |
| TRV The Travelers Companies, Inc. | 5 | +1.0% | |
| WRB W. R. Berkley Corporation | 6 | +4.0% |