$ROOT

[image] A bit disappointed that $ROOT's PIF count declined sequentially this quarter (though still up 6% YoY), but I'm encouraged that management continues prioritizing profitable growth over chasing uneconomic volume. Through the first half of 2026, $ROOT generated $61.3M in net income

[image] posted by a $root employee today. The table alone says a lot. The biggest jump in Written Premium while delivering the lowest Loss Ratio. The 2026-2027 results will make their advantages even more obvious

[image] $ROOT, net income quite generous again at $25M, while also growing 6% YoY. Pretty much in line with my expectations. I don't expect it to run until growth kicks up a gear and the Hyundai deal formally announced for POS.

[text] $ROOT made $61.3M in net income already this year. Their market cap is 575M if you back out unecumbered cash. If H2 is as profitable, they're generating $122.6M in net income annualized That gives them a cash-adjusted P/E of 4.69

[image] Our good friend @RileyE645 pointed out in $ROOT's Q2 10Q report something that didn't exist in their Q1 report. $ROOT may potentially release up to $340 mil as a one-time tax benefit! 👀 GAAP net income and EPS may then look better for a period, but underneath, book value

[image] Article on why the market sold off $ROOT on their Q2 report. Root needs a catalyst to run here, such as Hyundai POS, or growing PIF through partner channel while maintaining profitability. A soft market can last for years. Root needs to grow through it.

[image] $ROOT new website is out 🔥

[image] As $ROOT continues expanding to all contiguous states + DC, one of the biggest long-term tailwinds may be partner attach rates. For instance, and by most accounts, $ROOT is attaching insurance on about 12% of $CVNA vehicle sales today. Once nationwide availability removes

[text] Insurify just named $root as the best carrier for safe drivers. Their whole thesis revolves around offering best prices to better than average drivers by identifying and omitting the worst ones. Their best in class LR proves they've been able to do this

[video] interesting portion of the roundtable interview that wasn't in the initial cut. Key takeaway for me is the doubling down on OEM partnerships - hard to imagine he'd keep banging this drum if there wasnt meaningful progress happening.

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