$ROOT

$ROOT Q4 & Q1 look strong:

- Google trend data shows elevated Q4 & Q1 interest
- App data shows significantly more traffic
- Web traffic data up significantly Y/Y
- Q3'2025 earnings call said accelerated growth in all channels

Data & guidance are aligned https://t.co/1tiXJ8S9cA

Starting to see spikes in $ROOT traffic in App Store, hitting 59 in finance category (was more around 100-150) https://t.co/0WCU4F12oS

Love to see it $ROOT https://t.co/fjNDmrYewY

$ROOT Insurance:

1. Operates in a boring industry
2. Has a boring name
3. Barely covered by analysts. Sub 30 minute calls
4. Generally ignored and not hyped by the market

That's the perfect combination of things Peter Lynch likes when investing. At the same time they have:

1.

$ROOT is using AI agents and orchestration in procurement, per recent article in CPO Strategy

Root has implemented a software orchestration tool that integrates autonomous AI agents into the procurement process.

Most legacy insurers procurement departments rely on deterministic

Just sent this to $ROOT @joinroot investor relations:

Hi Root Team,

You are executing well, but the vision of the business is still hard for many to grasp.

Specifically, the mechanics of partnerships and vision for embedded products (like Hyundai, briefly mentioned at Needham)

Potentially very bullish news for $ROOT

Looks like $ROOT may be white labeling insurance through Hyundai, just like they did with Carvana

Just a few weeks ago at Needham, Root said they are early in their Hyundai partnership. Implying more to come.

The following week, Hyundai https://t.co/jEpY2RWVQo

It will take 12 days for $ROOT shorts to cover (compare to 4 days for $LMND, and 5 days for $HIMS)

Very hard for them to unwind their position.

These shares will eventually be bought back because:

1. This is momentum shorting, not long shorting.

2. Revenue and forward metrics https://t.co/Wq6UxPZWfQ

Bought more $ROOT

Under $1B market cap

15 more shares of $ROOT at $68.00, now 1145 shares total at an avg of $93.52 🙂

Because it is already my largest position, I will be adding in smaller increments than previous buys by rolling profits into $ROOT from other wins, as long as it stays down here.

IMO, $ROOT is too https://t.co/HbuvRVmqQg

Here is my estimated net new policy growth for $ROOT in Q4'2025 and Q1'2026.

This is based on seasonal trends and earnings call guidance.

Wall Street is currently forecasting only 3-6K net new policies per quarter based on revenue estimates. Root will blow past that easily. https://t.co/imCPjwoM71

According to my 10 year DCF, $ROOT is 440% undervalued today with a fair value of $372 per share

Assumptions:
FCF growth = 30% annually
P/FCF = 9 (this is PGR's 10 year avg)
Discount Rate = 14%

Note: I take DCFs with a grain of salt, these are more sanity checks of potential https://t.co/ycUeynAocE

If $ROOT spent all the positive FCF they generated over the past 12 months, based on their direct marketing costs, they could have grown an extra 250,000 policies in 2026.

That would have been an extra 50% growth over what they had for the year.

Nine years ago, $ROOT started tracking autosteer miles in $TSLA vehicles and gave drivers discounts. They were the first insurer to do so. https://t.co/izNVw86saw

Meet Sören Petsch, Senior Director of Procurement at $ROOT, and a key driver behind the company's AI-driven efficiency. 👀

Sören has been at $ROOT for just over a year and was recently been promoted to Senior Director just last month. Why? Because he's rewriting how $ROOT https://t.co/KmiEftlVdT

BOOM! 💥

New $ROOT partnership! 🔥

Kikoff users can now get instant, personalized car insurance quotes from Root directly within the Kikoff app through a seamless, integrated experience!

“We’re eager to help Kikoff customers find real savings on a necessary expense to support https://t.co/Fpxt7M846U

The kind of financial discipline I like hearing. From $ROOT's CEO today:

"Every piece of new business that we add, we make sure we return our IRR on that business over a hurdle rate no matter what. We don't solve for quarterly growth targets or quarterly earnings targets. We

$ROOT is disrupting the $300B auto insurance market. They are the largest insurtech in the nation

Key insights from CEO Alex Timm from today's Fireside Chat:
- New pricing models boosted quote LTV by >20% this year.
- Independent Agent channel 3x'd YoY, despite still only

$ROOT has "many partners under contract that we just haven't launched yet" and "working with multiple OEMs!" 👀

WE'RE EARLY AND YOU DO NOT HAVE ENOUGH SHARES!

Thank you for your attention.

$LMND continues to slide in TrustPilot ratings, down 0.3 since September, signaling rising customer concern and eroding trust as the company continues to scale growth while struggling to deliver a consistently positive customer experience.

Meanwhile, $ROOT's rating has been https://t.co/Zr0Ft3DUrV