股票 › ROOT
Root车险 ROOT
美股市值排名 #3510
$43.37 −$2.91 (-6.29%)
休市 · Nov 7, 9:10 am ET · 最新盘后价 $43.00 -0.85%
开盘$46.00
昨收$46.28
当日区间$42.87 – $46.28
成交量349.8K
市值$658.89M
市盈率（TTM）9.1
股息率–
基本面
最新报告季度：Q2, ended Jun 2026
营收$389.20M+1.6% YoY
净利润$25.80M+17.3% YoY
摊薄每股收益$1.49+15.5% YoY
自由现金流$53.80M+12.1% YoY
经营现金流$57.50M
营收，近8个季度
净利润，近8个季度
各季度摊薄每股收益
各季度自由现金流
年度营收
盈利能力与资产负债表
净利率3.7%
净资产收益率20.3%
资产收益率3.6%
负债/资产比率80.3%
总负债$197.80M
自由现金流/营收11.4%
利润表
| 项目 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 | 2025 Q3 |
|---|---|---|---|---|---|
| 报告营业总收入 | $389.20M | $393.50M | $1.52B | $397.00M | $387.80M |
| 营业总收入 | $389.20M | $393.50M | $1.52B | $397.00M | $387.80M |
| 已赚保费合计 | $363.50M | $363.70M | $1.40B | $367.30M | $360.10M |
| -净承保保费 | $337.40M | $369.30M | $1.46B | $357.20M | $377.20M |
| -未到期保费净准备增减 | $26.10M | -$5.60M | -$58.70M | $10.10M | -$17.10M |
| 手续费收入及其他收入 | $20.70M | $21.00M | $81.70M | $21.10M | $20.70M |
| -手续费及佣金 | $19.80M | $20.30M | $78.30M | $20.10M | $19.80M |
| -其他收入/费用 | $900,000.00 | $700,000.00 | $3.40M | $1.00M | $900,000.00 |
| 净投资收益 | -$5.10M | -$1.30M | -$6.40M | -$1.70M | -$3.50M |
| 投资已实现损益净额 | $0.00 | $100,000.00 | – | – | – |
| 利息收入 | $10.10M | $10.00M | $40.10M | $10.30M | $10.50M |
| 总费用 | $363.60M | $357.40M | $1.48B | $391.60M | $392.80M |
| 理赔费用 | $298.30M | $285.60M | $1.13B | $300.60M | $306.40M |
| 销售及管理费用 | $40.80M | $51.80M | $271.70M | $72.60M | $66.40M |
| -销售及营销费用 | $25.30M | $27.30M | $174.80M | $45.60M | $40.60M |
| -管理费用 | $15.50M | $24.50M | $96.90M | $27.00M | $25.80M |
| 非经营性利息净收入（支出） | -$4.10M | -$4.80M | -$21.00M | -$5.10M | -$5.30M |
| -非经营性利息支出 | $4.10M | $4.80M | $21.00M | $5.10M | $5.30M |
| 特殊收益（费用） | -$4.90M | – | $0.00 | – | – |
| -减：其他特殊支出 | $4.90M | – | – | – | – |
| 其他营业费用 | $15.50M | $15.20M | $53.10M | $13.30M | $14.70M |
| 税前利润 | $25.60M | $36.10M | $40.80M | $5.40M | -$5.00M |
| 税费 | -$200,000.00 | -$200,000.00 | -$500,000.00 | -$900,000.00 | $400,000.00 |
| 净利润 | $25.80M | $36.30M | $41.30M | $6.30M | -$5.40M |
| 持续经营利润 | $25.80M | $36.30M | $41.30M | $6.30M | -$5.40M |
| 归属母公司净利润 | $25.40M | $35.90M | $40.30M | $5.30M | -$5.40M |
| 其他优先股股息 | $1.30M | $1.70M | $2.00M | $200,000.00 | – |
| 归属普通股股东净利润 | $24.10M | $34.20M | $38.30M | $5.10M | -$5.40M |
| 基本每股收益 | $1.54 | $2.19 | $2.49 | $0.33 | -$0.35 |
| 摊薄每股收益 | $1.49 | $2.09 | $2.36 | $0.31 | -$0.35 |
资产负债表
| 项目 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 | 2025 Q3 |
|---|---|---|---|---|---|
| 总资产 | $1.67B | $1.68B | $1.67B | $1.67B | $1.64B |
| 现金及现金等价物 | $509.60M | $597.20M | $669.30M | $669.30M | $653.30M |
| 受限现金及现金等价物 | $65.20M | $11.70M | $20.60M | $20.60M | $1.10M |
| 投资合计 | $517.10M | $471.50M | $391.40M | $391.40M | $362.20M |
| -短期投资 | $517.10M | $467.10M | $387.00M | $387.00M | $357.80M |
| 应收款 | $442.90M | $472.90M | $462.60M | $462.60M | $494.80M |
| -应收账款 | $442.90M | $472.90M | $462.60M | $462.60M | $494.80M |
| 递延保单获取成本 | $47.10M | $46.50M | – | – | – |
| 其他资产 | $86.60M | $85.10M | $95.50M | $95.50M | $119.30M |
| 负债合计 | $1.34B | $1.36B | $1.39B | $1.39B | $1.38B |
| 保单持有人负债 | $873.20M | $885.10M | $877.30M | $877.30M | $872.20M |
| 应付款 | $135.50M | $138.30M | $76.60M | $76.60M | $70.60M |
| -应付账款 | $135.50M | $138.30M | $76.60M | $76.60M | $70.60M |
| 长期债务及融资租赁负债 | $197.80M | $200.30M | $200.30M | $200.30M | $200.40M |
| -长期债务 | $197.80M | $200.30M | $200.30M | $200.30M | $200.40M |
| 可转换优先证券 | $112.00M | $112.00M | $112.00M | $112.00M | $112.00M |
| 其他负债 | $22.10M | $23.30M | $124.00M | $124.00M | $122.20M |
| 股东权益合计 | $327.90M | $325.90M | $284.30M | $284.30M | $265.00M |
| 股东权益 | $327.90M | $325.90M | $284.30M | $284.30M | $265.00M |
| 股本 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |
| -普通股 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |
| 资本公积 | $1.91B | $1.93B | $1.92B | $1.92B | $1.91B |
| 留存收益 | -$1.58B | -$1.61B | -$1.64B | -$1.64B | -$1.65B |
| 不影响留存收益的损益 | -$2.00M | $400,000.00 | $3.90M | $3.90M | $3.50M |
| -其他投资资产 | – | $4.40M | $4.40M | $4.40M | $4.40M |
| 固定资产净值 | – | – | $1.20M | $1.20M | – |
| 商誉及其他无形资产 | – | – | $27.60M | $27.60M | – |
| -其他无形资产 | – | – | $27.60M | $27.60M | – |
| 预付资产 | – | – | $6.30M | $6.30M | $11.70M |
现金流量表
| 项目 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 | 2025 Q3 |
|---|---|---|---|---|---|
| 经营活动现金流 | $57.50M | $9.30M | $206.50M | $70.10M | $57.60M |
| 持续经营经营活动现金流净额 | $57.50M | $9.30M | $206.50M | $70.10M | $57.60M |
| 持续经营净利润 | $25.40M | $35.90M | $40.30M | $5.30M | -$5.40M |
| 持续经营损益 | $0.00 | -$100,000.00 | – | – | – |
| 其他非现金项目 | $14.40M | $9.60M | $36.70M | – | – |
| 营运资金变动 | $4.00M | -$52.10M | $58.40M | $36.40M | $20.20M |
| -应收款变动 | $22.60M | -$22.00M | -$43.40M | $22.60M | -$17.30M |
| -预付资产变动 | -$7.50M | -$1.60M | $18.80M | $5.40M | -$400,000.00 |
| -赔款及理赔费用准备变动 | $16.50M | -$10.90M | $70.40M | $20.70M | $18.40M |
| -应付账款及应计费用变动 | $2.10M | -$31.00M | -$27.70M | $5.80M | -$14.50M |
| -未到期保费变动 | -$28.40M | $18.70M | $39.80M | -$15.60M | $14.10M |
| -其他流动资产变动 | $3.20M | $1.10M | -$14.60M | -$4.30M | -$19.30M |
| -其他流动负债变动 | -$1.80M | -$6.40M | $15.10M | $1.80M | $29.70M |
| 投资活动现金流净额 | -$59.70M | -$86.60M | -$91.70M | -$32.50M | -$41.60M |
| 持续经营投资活动现金流净额 | -$59.70M | -$86.60M | -$91.70M | -$32.50M | -$41.60M |
| 资本支出 | -$3.70M | -$3.50M | -$14.10M | -$4.20M | -$3.90M |
| 投资购置及出售净额 | -$56.00M | -$83.10M | -$77.60M | -$28.30M | -$37.70M |
| 筹资活动现金流 | -$31.90M | -$3.70M | -$25.20M | -$2.10M | -$4.10M |
| 持续经营筹资活动现金流净额 | -$31.90M | -$3.70M | -$25.20M | -$2.10M | -$4.10M |
| 股票期权行使所得 | $0.00 | $0.00 | $300,000.00 | $0.00 | -$100,000.00 |
| 其他筹资费用净额 | -$6.80M | -$3.70M | -$25.50M | -$2.10M | -$4.00M |
| 期末现金余额 | $574.80M | $608.90M | $689.90M | $689.90M | $654.40M |
| 现金净变动 | -$34.10M | -$81.00M | $89.60M | $35.50M | $11.90M |
| 期初现金余额 | $608.90M | $689.90M | $600.30M | $654.40M | $642.50M |
| 自由现金流 | $53.80M | $5.80M | $192.40M | $65.90M | $53.70M |
| 固定资产购置及出售净额 | – | – | $0.00 | $0.00 | – |
| Net Issuance Payments of Debt | – | – | $0.00 | – | – |
| 优先股发行净额 | – | – | $0.00 | $0.00 | – |
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