Root, Inc. (ROOT) shareholders
ROOTNasdaqFire, Marine & Casualty InsuranceFiscal year ends December 31
Financials through Q3 FY2026, quarter ended Sep 30, 2026Last filing: 10-Q on Nov 4, 2026Score 9/307% below fair value
$43.63−0.34 (-0.77%)
Close on Nov 12, 2026Market cap $675.97MP/E 9.2Yield –
Ownership
Institutional holdings as of Jun 30, 2026, from 13F filings
Held by institutions
60.9%
9M of 15M shares
Institutional holders
160
39 new, 26 sold out
Net institutional buying
-0M
In Q2 2026
Insider trades, 12 months
0 buys · 13 sales
Net sold $3.11M
Shares held by institutions
Holders of more than 5%
Latest Schedule 13D (active) or 13G (passive) filed by each holder
| Holder | Shares | % of class | Filing | As of |
|---|---|---|---|---|
| Carvana Group, LLC Joint filing with Carvana Co. Sub LLC (21.20%), Carvana Co. (21.20%) | 3,708,454 | 21.20% | 13D (active) amendment | Feb 28, 2026 |
| Carvana Co. Sub LLC Joint filing with Carvana Group, LLC (14.00%), Carvana Co. (14.00%) | 2,216,547 | 14.00% | 13D (active) amendment | Sep 1, 2025 |
| Meyer Malka (“Malka”) Joint filing with Ribbit Capital GP IV, L.P. (“GP IV”) (15.30%), Ribbit Capital GP IV, Ltd. (“UGP IV”) (15.30%) and 1 more | 1,903,827 | 15.30% | 13G (passive) amendment | Sep 30, 2024 |
| Ribbit Capital GP IV, L.P. Joint filing with Ribbit Capital GP IV, Ltd. (8.70%), Meyer Malka (8.70%) and 1 more | 1,232,607 | 8.70% | 13G (passive) amendment | Jun 30, 2025 |
| T. Rowe Price Investment Management, Inc. | 1,185,073 | 8.60% | 13G (passive) amendment | Mar 31, 2026 |
| Alexander E. Timm | 1,139,040 | 7.80% | 13G (passive) amendment | Jun 30, 2025 |
| BlackRock, Inc. | 1,011,125 | 7.20% | 13G (passive) amendment | Jun 30, 2026 |
| SVB Financial Group Joint filing with SVB Capital Partners III, LLC (6.50%), Capital Partners III, L.P. (6.50%) | 783,012 | 8.20% | 13G (passive) amendment | Dec 31, 2023 |
| Carvana Co. Joint filing with Carvana Group, LLC (5.40%), Carvana Co. Sub LLC (5.40%) | 780,727 | 5.40% | 13D (active) amendment | Aug 31, 2026 |
| Cannell Capital LLC Joint filing with J. Carlo Cannell (7.47%) | 717,043 | 7.47% | 13G (passive) | Dec 31, 2023 |
Top institutional holders
13F holdings as of Jun 30, 2026
| Holder | Shares | % of ROOT | Value | Change | % of portfolio |
|---|---|---|---|---|---|
| Ribbit Management Company, LLC | 1,232,607 | 7.96% | $68.93M | – | 3.36% |
| T. Rowe Price Investment Management, Inc. | 1,220,908 | 7.88% | $68.27M | +35,835 | 0.04% |
| BlackRock, Inc. | 1,149,263 | 7.42% | $64.27M | +98,936 | 0.00% |
| Vanguard Capital Management LLC | 528,317 | 3.41% | $29.54M | +11,685 | 0.00% |
| Findell Capital Management LLC | 460,000 | 2.97% | $25.72M | +85,000 | 3.62% |
| Geode Capital Management, LLC | 345,379 | 2.23% | $19.32M | +25,851 | 0.00% |
| State Street Corp | 290,772 | 1.88% | $16.26M | +24,833 | 0.00% |
| Galileo (PTC) Ltd | 252,669 | 1.63% | $14.13M | – | 1.28% |
| Renaissance Technologies LLC | 245,281 | 1.58% | $13.72M | +6,500 | 0.02% |
| Boothbay Fund Management, LLC | 203,234 | 1.31% | $11.36M | +64,238 | 0.15% |
| Quinn Opportunity Partners LLC | 171,176 | 1.10% | $9.57M | +100,837 | 0.44% |
| Tairen Capital Ltd | 160,798 | 1.04% | $8.99M | – | 0.79% |
| Dragoneer Investment Group, LLC | 154,320 | 1.00% | $8.63M | – | 0.30% |
| Morgan Stanley | 148,225 | 0.96% | $8.29M | +7,148 | 0.00% |
| Goldman Sachs Group Inc | 144,306 | 0.93% | $8.07M | −5,011 | 0.00% |
| Price T Rowe Associates Inc /Md/ | 125,904 | 0.81% | $7.04M | +2,379 | 0.00% |
| Northern Trust Corp | 120,334 | 0.78% | $6.73M | +10,926 | 0.00% |
| Charles Schwab Investment Management Inc | 109,270 | 0.71% | $6.11M | +1,577 | 0.00% |
| Vanguard Portfolio Management LLC | 106,983 | 0.69% | $5.98M | +16,067 | 0.00% |
| Bank Of America Corp /De/ | 105,524 | 0.68% | $5.90M | −22,057 | 0.00% |
Institutional buying and selling by quarter
Positions opened, added to, reduced and closed by 13F filers
| Quarter | Holders | Shares held | % of shares | New / added | Reduced / closed | Shares bought | Shares sold |
|---|---|---|---|---|---|---|---|
| Q2 2026 | 160 | 9M | 60.9% | 39 / 59 | 34 / 26 | 1M | 1M |
| Q1 2026 | 149 | 10M | 62.7% | 30 / 51 | 41 / 50 | 2M | 2M |
| Q4 2025 | 171 | 10M | 67.1% | 32 / 62 | 48 / 42 | 2M | 1M |
| Q3 2025 | 182 | 10M | 61.3% | 36 / 70 | 49 / 57 | 2M | 2M |
| Q2 2025 | 203 | 9M | 60.9% | 58 / 85 | 38 / 31 | 2M | 1M |
| Q1 2025 | 177 | 8M | 51.0% | 73 / 33 | 49 / 23 | 2M | 2M |
| Q4 2024 | 129 | 7M | 47.6% | 48 / 40 | 24 / 21 | 1M | 2M |
| Q3 2024 | 103 | 7M | 48.4% | 29 / 35 | 21 / 24 | 2M | 2M |
| Q2 2024 | 99 | 7M | 47.7% | 32 / 28 | 26 / 20 | 2M | 1M |
| Q1 2024 | 87 | 6M | 40.4% | 32 / 18 | 21 / 10 | 2M | 1M |
| Q4 2023 | 65 | 6M | 39.3% | 12 / 23 | 10 / 4 | 3M | 1M |
| Q3 2023 | 59 | 6M | 38.1% | 11 / 11 | 16 / 13 | 1M | 0M |
Top mutual fund and ETF holders
Latest monthly portfolio reports (Form N-PORT)
152 funds held ROOT in Q2 2026, 45% of their shares through ETFs. Each fund counts once per quarter, from its quarter-end report.
| Fund | Shares | % of ROOT | Value | % of fund | As of |
|---|---|---|---|---|---|
| Vanguard Total Stock Market Index Fund | 355,362 | 2.29% | $19.87M | 0.00% | Jun 30, 2026 |
| iShares Russell 2000 ETF | 341,551 | 2.20% | $19.10M | 0.02% | Jun 30, 2026 |
| T. Rowe Price Small-Cap Value Fund, Inc. | 332,305 | 2.14% | $18.58M | 0.18% | Jun 30, 2026 |
| T. Rowe Price Small-Cap Stock Fund, Inc. | 263,218 | 1.70% | $14.72M | 0.16% | Jun 30, 2026 |
| Vanguard Extended Market Index Fund | 161,292 | 1.04% | $9.02M | 0.01% | Jun 30, 2026 |
| T. Rowe Price Institutional Small-Cap Stock Fund | 142,621 | 0.92% | $7.98M | 0.16% | Jun 30, 2026 |
| Fidelity Small Cap Index Fund | 141,021 | 0.91% | $7.64M | 0.02% | Jul 31, 2026 |
| iShares Russell 2000 Growth ETF | 120,979 | 0.78% | $6.77M | 0.04% | Jun 30, 2026 |
| T. Rowe Price New Horizons Fund, Inc. | 79,926 | 0.52% | $4.47M | 0.03% | Jun 30, 2026 |
| SMALLCAP World Fund Inc | 75,522 | 0.49% | $4.22M | 0.00% | Jun 30, 2026 |
| Fidelity Extended Market Index Fund | 71,415 | 0.46% | $3.72M | 0.01% | May 31, 2026 |
| Schwab U.S. Small-Cap ETF | 65,183 | 0.42% | $3.39M | 0.01% | May 31, 2026 |
| Vanguard Russell 2000 Index Fund | 63,184 | 0.41% | $3.29M | 0.02% | May 31, 2026 |
| iShares U.S. Small-Cap Equity Factor ETF | 39,655 | 0.26% | $2.15M | 0.05% | Jul 31, 2026 |
| Schwab Small-Cap Index Fund | 31,330 | 0.20% | $1.70M | 0.02% | Jul 31, 2026 |
Officers, directors and major owners
People who filed Forms 3, 4 or 5 in the last two years
| Name | Role | Shares owned | % of shares | Latest filing |
|---|---|---|---|---|
| Alexander E. Timm | Chief Executive Officer, Director, 10% owner | 244,372 | 1.58% | Apr 3, 2026 |
| Ryan Forish | Chief Accounting Officer | 23,444 | 0.15% | Sep 22, 2026 |
| Megan Binkley | Chief Financial Officer | 112,317 | 0.72% | Aug 24, 2026 |
| Jonathan Allison | Chief Administrative Officer | 68,356 | 0.44% | May 18, 2026 |
| Mahtiyar Bonakdarpour | President and CTO | 541,011 | 3.49% | Apr 3, 2026 |
| Jerri Devard | Director | 21,396 | 0.14% | Jun 4, 2026 |
| Nancy J. Kramer | Director | 30,797 | 0.20% | Jun 4, 2026 |
| Beth A. Birnbaum | Director | 17,144 | 0.11% | Jun 4, 2026 |
| Doug Ulman | Director | 37,807 | 0.24% | Jun 4, 2026 |
| Lawrence A. Hilsheimer | Director | 45,455 | 0.29% | Jun 4, 2026 |
| Julie Szudarek | Director | 14,696 | 0.09% | Jun 4, 2026 |
| Donna Dorsey | Director | 12,820 | 0.08% | Jun 4, 2026 |
| Carvana Group, Llc | 10% owner | – | – | Sep 2, 2026 |
| Christopher Olsen | 10% owner | 1,443,376 | 9.32% | May 23, 2025 |
| Capital I. (GP) LLC Drive | 10% owner | 452,721 | 2.92% | May 23, 2025 |
| Drive Capital Overdrive Fund I (Te), L.P. | 10% owner | – | – | May 23, 2025 |
| Drive Capital Overdrive Ignition Fund I, L.P. | 10% owner | 1,593 | 0.01% | May 23, 2025 |
| Drive Capital Overdrive Fund I, L.P. | 10% owner | 51,207,093 | 330.51% | May 23, 2025 |
| Drive Capital Overdrive Fund I (GP), LLC | 10% owner | – | – | May 23, 2025 |
| Ribbit Capital IV, L.P. | 10% owner | 1,903,827 | 12.29% | Apr 30, 2025 |
| Meyer Malka | 10% owner | 1,232,607 | 7.96% | Apr 30, 2025 |
Insider trades
Common stock transactions reported on Form 4, newest first
| Insider | Date | Transaction | Shares | Price | Value | Shares after |
|---|---|---|---|---|---|---|
| Ryan Forish Chief Accounting Officer | Sep 21, 2026 | Tax withholding | −294 | $49.78 | $14.64K | 23,444 |
| Ryan Forish Chief Accounting Officer | Sep 15, 2026 | Tax withholding | −490 | $53.60 | $26.26K | 23,738 |
| Megan Binkley Chief Financial Officer | Aug 21, 2026 | Gift | −1,523 | – | – | 112,317 |
| Ryan Forish Chief Accounting Officer | Aug 21, 2026 | Tax withholding | −88 | $55.79 | $4.91K | 24,228 |
| Ryan Forish Chief Accounting Officer | Jun 22, 2026 | Tax withholding | −294 | $51.07 | $15.01K | 24,316 |
| Ryan Forish Chief Accounting Officer | Jun 15, 2026 | Tax withholding | −490 | $54.86 | $26.88K | 24,610 |
| Donna Dorsey Director | Jun 3, 2026 | Award | +2,864 | – | – | 12,820 |
| Julie Szudarek Director | Jun 3, 2026 | Award | +2,864 | – | – | 14,696 |
| Jerri Devard Director | Jun 3, 2026 | Award | +2,864 | – | – | 21,396 |
| Lawrence A. Hilsheimer Director | Jun 3, 2026 | Award | +2,864 | – | – | 43,859 |
| Nancy J. Kramer Director | Jun 3, 2026 | Award | +2,864 | – | – | 20,480 |
| Doug Ulman Director | Jun 3, 2026 | Award | +2,864 | – | – | 3,983 |
| Beth A. Birnbaum Director | Jun 3, 2026 | Award | +2,864 | – | – | 17,144 |
| Ryan Forish Chief Accounting Officer | May 21, 2026 | Tax withholding | −351 | $57.85 | $20.31K | 25,100 |
| Jonathan Allison Chief Administrative Officer | May 15, 2026 | Sale(10b5-1 plan) | −1,606 | $55.96 | $89.87K | 68,356 |
| Jonathan Allison Chief Administrative Officer | May 12, 2026 | Sale(10b5-1 plan) | −1,706 | $55.74 | $95.09K | 69,962 |
| Ryan Forish Chief Accounting Officer | May 1, 2026 | Tax withholding | −82 | $55.05 | $4.51K | 25,451 |
| Jonathan Allison Chief Administrative Officer | Apr 7, 2026 | Sale(10b5-1 plan) | −1,706 | $44.35 | $75.66K | 71,668 |
| Jonathan Allison Chief Administrative Officer | Apr 2, 2026 | Sale(10b5-1 plan) | −4,112 | $42.33 | $174.06K | 73,374 |
| Megan Binkley Chief Financial Officer | Apr 1, 2026 | Option exercise | +4,777 | – | – | 115,971 |
| Megan Binkley Chief Financial Officer | Apr 1, 2026 | Tax withholding | −8,081 | $43.26 | $349.58K | 111,194 |
| Megan Binkley Chief Financial Officer | Apr 1, 2026 | Tax withholding | −2,131 | $43.26 | $92.19K | 113,840 |
| Jonathan Allison Chief Administrative Officer | Apr 1, 2026 | Tax withholding | −2,874 | $43.26 | $124.33K | 77,486 |
| Jonathan Allison Chief Administrative Officer | Apr 1, 2026 | Option exercise | +6,442 | – | – | 80,360 |
| Jonathan Allison Chief Administrative Officer | Apr 1, 2026 | Tax withholding | −8,081 | $43.26 | $349.58K | 73,918 |
| Alexander E. Timm Chief Executive Officer, Director, 10% owner | Apr 1, 2026 | Tax withholding | −14,965 | $43.26 | $647.39K | 244,372 |
| Alexander E. Timm Chief Executive Officer, Director, 10% owner | Apr 1, 2026 | Tax withholding | −3,480 | $43.26 | $150.54K | 240,892 |
| Alexander E. Timm Chief Executive Officer, Director, 10% owner | Apr 1, 2026 | Option exercise | +62,969 | – | – | 303,861 |
| Alexander E. Timm Chief Executive Officer, Director, 10% owner | Apr 1, 2026 | Tax withholding | −28,557 | $43.26 | $1.24M | 275,304 |
| Mahtiyar Bonakdarpour President and CTO | Apr 1, 2026 | Option exercise | +43,043 | – | – | 391,717 |
| Mahtiyar Bonakdarpour President and CTO | Apr 1, 2026 | Tax withholding | −1,642 | $43.26 | $71.03K | 359,556 |
| Mahtiyar Bonakdarpour President and CTO | Apr 1, 2026 | Tax withholding | −10,882 | $43.26 | $470.76K | 348,674 |
| Mahtiyar Bonakdarpour President and CTO | Apr 1, 2026 | Tax withholding | −19,198 | $43.26 | $830.51K | 372,519 |
| Jonathan Allison Chief Administrative Officer | Mar 20, 2026 | Sale(10b5-1 plan) | −3,990 | $44.78 | $178.67K | 81,999 |
| Ryan Forish Chief Accounting Officer | Mar 20, 2026 | Tax withholding | −294 | $45.59 | $13.40K | 25,533 |
| Jonathan Allison Chief Administrative Officer | Mar 17, 2026 | Sale(10b5-1 plan) | −3,990 | $45.00 | $179.55K | 85,989 |
| Ryan Forish Chief Accounting Officer | Mar 16, 2026 | Tax withholding | −489 | $44.30 | $21.66K | 25,827 |
| Jonathan Allison Chief Administrative Officer | Mar 12, 2026 | Sale(10b5-1 plan) | −3,900 | $43.61 | $170.08K | 89,979 |
| Ryan Forish Chief Accounting Officer | Mar 11, 2026 | Award | +6,620 | – | – | 26,316 |
| Jonathan Allison Chief Administrative Officer | Mar 10, 2026 | Sale(10b5-1 plan) | −3,900 | $44.97 | $175.38K | 93,879 |
| Doug Ulman Director | Mar 9, 2026 | Sale | −13,152 | $45.11 | $593.29K | 27,047 |
| Doug Ulman Director | Mar 9, 2026 | Conversion | +33,352 | – | – | 40,672 |
| Doug Ulman Director | Mar 9, 2026 | Tax withholding | −473 | $45.77 | $21.65K | 40,199 |
| Jonathan Allison Chief Administrative Officer | Mar 5, 2026 | Sale(10b5-1 plan) | −3,900 | $48.05 | $187.40K | 97,779 |
| Jonathan Allison Chief Administrative Officer | Mar 3, 2026 | Sale(10b5-1 plan) | −3,900 | $47.88 | $186.73K | 101,679 |
| Megan Binkley Chief Financial Officer | Feb 19, 2026 | Tax withholding | −4,373 | $61.59 | $269.33K | 116,700 |
| Megan Binkley Chief Financial Officer | Feb 19, 2026 | Tax withholding | −1,595 | $61.59 | $98.24K | 119,275 |
| Jonathan Allison Chief Administrative Officer | Feb 19, 2026 | Tax withholding | −1,332 | $61.59 | $82.04K | 105,579 |
| Jonathan Allison Chief Administrative Officer | Feb 19, 2026 | Tax withholding | −4,167 | $61.59 | $256.65K | 103,099 |
| Alexander E. Timm Chief Executive Officer, Director, 10% owner | Feb 19, 2026 | Tax withholding | −10,508 | $61.59 | $647.19K | 254,563 |
| Alexander E. Timm Chief Executive Officer, Director, 10% owner | Feb 19, 2026 | Tax withholding | −3,962 | $61.59 | $244.02K | 259,337 |
| Mahtiyar Bonakdarpour President and CTO | Feb 19, 2026 | Tax withholding | −2,622 | $61.59 | $161.49K | 361,198 |
| Mahtiyar Bonakdarpour President and CTO | Feb 19, 2026 | Tax withholding | −9,569 | $61.59 | $589.35K | 357,943 |
| Megan Binkley Chief Financial Officer | Feb 18, 2026 | Award | +57,868 | – | – | 121,073 |
| Megan Binkley Chief Financial Officer | Feb 18, 2026 | Award | +4,170 | – | – | 120,870 |
| Jonathan Allison Chief Administrative Officer | Feb 18, 2026 | Award | +3,812 | – | – | 106,911 |
| Jonathan Allison Chief Administrative Officer | Feb 18, 2026 | Award | +55,116 | – | – | 107,266 |
| Alexander E. Timm Chief Executive Officer, Director, 10% owner | Feb 18, 2026 | Award | +113,659 | – | – | 265,071 |
| Alexander E. Timm Chief Executive Officer, Director, 10% owner | Feb 18, 2026 | Award | +8,736 | – | – | 263,299 |
| Mahtiyar Bonakdarpour President and CTO | Feb 18, 2026 | Award | +5,877 | – | – | 363,820 |
Awards, option exercises, tax withholding and gifts are shown alongside open-market buys and sales. Each name links to the filing on SEC EDGAR.
Short interest
Shares sold short and not yet bought back, as of Oct 30, 2026 (FINRA, reported twice a month)
Short % of float
21.97%
2M shares short
Days to cover
14.5
At 0M shares a day
Change since last report
-2.6%
From 2M shares
Short volume, 20 days
56.5%
Of volume reported to FINRA
Shares sold short, last 12 months
Short sale volume counts trades marked short on any given day, including market-maker hedging, so it runs far higher than the share of Root's stock actually held short. Settlement fails (shares not delivered on time) peaked at 19,604 shares on Oct 2, 2026 over the last 90 days.
Planned insider sales
Notices of proposed sale filed on Form 144 before shares are sold
| Seller | Filed | Shares | Market value | Planned sale | Acquired through |
|---|---|---|---|---|---|
| Jonathan Allison Officer | May 15, 2026 | 1,606 | $89.87K | May 15, 2026 | Restricted Stock Vesting |
| Jonathan Allison Officer | May 12, 2026 | 1,706 | $95.09K | May 12, 2026 | Restricted Stock Vesting |
| Jonathan Allison Officer | Apr 7, 2026 | 1,706 | $75.66K | Apr 7, 2026 | Restricted Stock Vesting |
| Jonathan Allison Officer | Apr 2, 2026 | 4,112 | $174.06K | Apr 2, 2026 | Restricted Stock Vesting |
| Jonathan Allison Officer | Mar 20, 2026 | 3,990 | $178.67K | Mar 20, 2026 | Restricted Stock Vesting |
| Jonathan Allison Officer | Mar 17, 2026 | 3,990 | $179.55K | Mar 17, 2026 | Restricted Stock Vesting |
| Jonathan Allison Officer | Mar 12, 2026 | 3,900 | $170.08K | Mar 12, 2026 | Restricted Stock Vesting |
| Jonathan Allison Officer | Mar 10, 2026 | 3,900 | $175.38K | Mar 10, 2026 | Restricted Stock Vesting |
| Doug Ulman Director | Mar 9, 2026 | 13,152 | $593.30K | Mar 9, 2026 | Stock Option Exercise |
| Jonathan Allison Officer | Mar 5, 2026 | 3,900 | $187.40K | Mar 5, 2026 | Restricted Stock Vesting |
| Jonathan Allison Officer | Mar 3, 2026 | 3,900 | $186.73K | Mar 3, 2026 | Restricted Stock Vesting |
| Mahtiyar Bonakdarpour Officer | Dec 10, 2025 | 5,750 | $477.25K | Dec 10, 2025 | Restricted Stock Vesting |
| Alexander E. Timm Officer, Director | Dec 10, 2025 | 6,336 | $525.89K | Dec 10, 2025 | Restricted Stock Vesting |
| Alexander E. Timm Officer, Director | Sep 2, 2025 | 10,861 | $974.67K | Sep 2, 2025 | Restricted Stock Vesting |
| Mahtiyar Bonakdarpour Officer | Sep 2, 2025 | 5,750 | $516.01K | Sep 2, 2025 | Restricted Stock Vesting |
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