ROOT

Creative-Cranberry47

not yet. they expire on 09/01. so still in play but the odds are not looking good. though, if they are in play, its a good risk/reward here. plus, the value of ROOT on its own is worth much more than what they are trading at today.

YouAlwaysHaveAChoice

I’ve been reading about that. Those ROOT warrants have expired right? So they won’t be able to show them as gains on their next earnings report?

Creative-Cranberry47

keep a close eye on ROOT though. CVNA has used ROOT warrants as net income gains in the previous quarters, so it could have some correlation with stock movement.

Creative-Cranberry47

when shares are being acquired(in this case by Carvana), its completely different than shares being diluted to the open market. If Carvana exercises those warrants, they will hold onto those shares, without affecting whats available on the open market. so the supply stays the same. there will still be 2.5M shares available in the open market. the only direction is shares to Carvana, and 1.4B cash to ROOT. in fact, supply will be less if Carvana exercises the warrants as this will give ROOT 1.4B in cash, and it will attract the 600 hedgefunds that own carvana, on a frenzy to buy ROOT shares. there will not be enough shares to go around with only a 2.5M float(<300M worth). think about the buying power of those 600 hedgefunds collectively. also, it comes down to what ROOT will do with that cash. if they just buy corporate bonds at 5% yields, and at a 30X multiple, that will increase ROOT's perceive NI value by 2.1B. If ROOT decides to acquire another product with that cash, that will increase ROOT's auto product stickiness by 30%, and open the door to more customers who prefer to bundle by 35%, and it will more than double revenue growth via cross-sell. The warrants for ROOT will front-load growth attracting many more institutional buyers. people are getting the wrong idea as supply will decrease, and demand will increase significantly if the warrants get exercised, which will push ROOT to multiple levels higher.

Creative-Cranberry47

fundamentals for me. buying ROOT when it drops.

Creative-Cranberry47

thats a misunderstanding. the warrants are actually beneficial as it will give ROOT 1.4B in cash. that cash could be used for an acquisition for another product that would increase ROOT's stickiness by 30%, increase the buyer pool by 35%, and more than double revenue growth via cross-sell. the 1.4B cash front-loads growth at a net multiple return. Even if they don't use the cash for an acquisition, they could buy corporate bonds that yield 5%, and at a 30X multiple, that would add a 2.1B value to ROOT. as for the float, it doesn't change the available public float as Carvana holds the shares tight. the tight public float remains at 2.5M shares, with no additional supply to the market. in fact this actually increases demand for ROOT due to further growth prospects. Once Garcia gives the green light for the warrants, you would have 600 hedge funds that support carvana rushing to buy what's remaining of the available float. In short, cash goes up to be utilized to front load growth at a multiple, supply of shares goes down, and demand goes up significantly. misunderstood parties will short the name, and get squeezed after the fact.

Creative-Cranberry47

if you were to pick an insurance play, i would rather go with ROOT instead of UNH. UNH has MLR caps of 80/85%, making their effective margins tight at <5%. whereas ROOT has best in class loss ratios of 56%, effectively putting their long term CR at 75% or a 25% profit margin. one root policy would equal to multiple UNH policies in regards to absolute profit. Also ROOT trades at 1/150 of a market cap with a forward PE of 7, at a much cheaper valuation than UNH.

Creative-Cranberry47

the problem with that thought is that legacy insurers they all grow at single digits or most of them are losing customers. ROOT was one of two auto insurers that actually grew customers in 2024. the better way to evaluate is through growth or PEG, which if ROOT grew at 50% CAGR it would deserve a 50X multiple comparatively for a PEG of 1. Its like comparing TSLA to F or GM, where TSLA trades at 20X+ valuations but do less revenue, and thats because of their growth prospects. Another comparable is HOOD with SCHW. HOOD trades at less than 15% of sales but trades at half the market cap. thats due to profit efficiency & growth. Same here with ROOT. ROOT is innovative and is completely dominating the embedded insurance space, and growing at levels where no legacy insurer has tracked before. As for margins, ROOT has best in class loss ratios, superior pricing, and a leading tech stack that is decade+ ahead of legacy insurers. ROOT will eventually have a 75% CR(25% profit margin), making them 2-5X more profit efficient than their legacy counterparts. thats like 1 ROOT policy to 5 All state policies. so the margins isn't the thing and if anything ROOT would eventually have better margins than their peers, as they continue to grow.

PaperHands_BKbd

Insurance companies don't usually triple their market cap in a year. Or trade at tech multiples. (40+ P/E) and generally have better margins (4% ROOT, 11% PGR) It could just be that simple. I'm not sure valuations matter right now, but they might at some point ;)

Creative-Cranberry47

i see you own LMND. you should consider ROOT as well. i think its the better play over LMND overall though both could do well

Creative-Cranberry47

ROOT insurance is a good deal. very overlooked in the market right now, and could make a run soon: ROOT is significantly undervalued with a forward PE of 7. If it 5X today, it will still be considered cheap. if it 10X today, it would still be cheaper than its competitor RYAN. ROOT is projected to do billions in NI by late 2020's-2030's. at 6B rev & 1.5billion NI at a 40X multiple, that would valuate ROOT at a 60B market cap or $4000 PPS(32x), which could be attained sooner than anyone could expect. here's a quick elevator pitch: \-all 50 states by 2026 end. currently in 35 now. \-Onboarding of embedded partners that has yet to be implemented technologically with over 20 major partners in the early stages including CVNA, Toyota, Experian, Hyundai, etc. Should see growth from these partners later in the year going into 2026. \- New major partners that have yet to be announced that are larger than CVNA \- Agressive onboarding of subagencies since public launch in Q4 with now over 10,000(first connect 5000+, Goosehead several thousand) projected subagency partners and soon half of the agency market in a few years. Growth will be exponential on this part of the equation as the quarters go along \- Acquisition of a new product that will increase stickiness of their auto product by 30%, increasing market by 37%, and doubling revenue growth via cross-sell from the 1.4B in cash from Carvana warrants. \- economy of scale kicking in as time goes on with a 75% CR long term making them 2-5X more profit efficient than their legacy counterparts ROOT to $2000+ long term.

Creative-Cranberry47

sounds just like ROOT insurance: ROOT is significantly undervalued with a forward PE of 7. If it 5X today, it will still be considered cheap. if it 10X today, it would still be cheaper than its competitor RYAN. ROOT is projected to do billions in NI by late 2020's-2030's. at 6B rev & 1.5billion NI at a 40X multiple, that would valuate ROOT at a 60B market cap or $4000 PPS(32x), which could be attained sooner than anyone could expect. here's a quick elevator pitch: \-all 50 states by 2026 end. currently in 35 now. \-Onboarding of embedded partners that has yet to be implemented technologically with over 20 major partners in the early stages including CVNA, Toyota, Experian, Hyundai, etc. Should see growth from these partners later in the year going into 2026. \- New major partners that have yet to be announced that are larger than CVNA \- Agressive onboarding of subagencies since public launch in Q4 with now over 10,000(first connect 5000+, Goosehead several thousand) projected subagency partners and soon half of the agency market in a few years. Growth will be exponential on this part of the equation as the quarters go along \- Acquisition of a new product that will increase stickiness of their auto product by 30%, increasing market by 37%, and doubling revenue growth via cross-sell from the 1.4B in cash from Carvana warrants. \- economy of scale kicking in as time goes on with a 75% CR long term making them 2-5X more profit efficient than their legacy counterparts ROOT to $2000+ long term.

SkyHighFlyGuyOhMy

Buying ROOT cause when CVNA goes up, ROOT inevitably goes up.

Creative-Cranberry47

just hold ROOT insurance for the 100X. most derisked play right now.

Creative-Cranberry47

ROOT insurance literally had like 7+ coaster rides lol

Creative-Cranberry47

ROOT insurance. never selling my winners though, and riding for another 100X from here.

perceptive_AI

ROOT was under $1 3 years ago and it traded $177 in March. This was the play

Creative-Cranberry47

in short, CVNA is not just the AMZN of used & new cars. Its also a bank, lender, insurance broker via ROOT, and more. If CVNA actually held on to their subprime loans that yield 20-30%, instead of selling them, they would make billions in net income, making them worth a multiple of what it is trading today. the theory is that as each year go by, CVNA will have more and more capital to retain their subprime loans and collect NI from it. collectively over a long period, they'll act as a bank and earn 20-30% returns on their notes. at one point, they'll hold all their notes in house instead of selling them which will yield them billions in NI over the long term.

Creative-Cranberry47

holding ROOT insurance. inflation is going to be insane, and tariffs are going to stay. stick with inflation proof sectors and tariff proof companies, & tech growth. ROOT fits the bill for me.

Creative-Cranberry47

hard to time the market, but its close to support levels. generally you buy on the dips for ROOT, and it has gone down quite a bit since 52 week highs already.

Creative-Cranberry47

actually there are multiple insurers with a 75% CR. i made a list a while back but KNSL for one has a 75% CR for the long term. you have to understand that ROOT isn't your ordinary insurer. It is doing things that no other insurer has done before, and thats underwriting risk correctly, and getting the best loss ratios from it. Secondly they are bringing down SGA expenses drastically due to their tech stack, ai and automation. No insurer is doing what ROOT is doing in terms of efficiency, and when you get that type of combination, you'll get results like a 75% CR in the long term. ROOT is doing everything better than Geico other than size. i only threw Geico in there to give you an idea, but ROOT will be more efficient than Geico. Geico overhired, and when you build the company from the bottom like ROOT, management can easily maintain efficiencies, without deadweights. When ROOT can cherry pick policies due to risk, thats where ROOT comes in very similar to specialty insurers who are putting forth 75% CRs. its not your typical auto insurer. What ROOT is doing is what TSLA did to the auto industry by removing the middleman and making it more profit efficient. it deserves a valuation multiple, just like how TSLA trades at 30X GM, F but yet has less revenue. No one is comparing TSLA to legacy automakers, when legacy automakers are slowly dying. thats also the exact reason why you shouldn't be comparing ROOT to legacy insurers who are losing customers/growing at single digits. ROOT will be 2-5X more profit efficient than their legacy counterparts, and should deserve a valuation multiple due to profit efficiency, growth, and tech. The perfect example is Tsla versus legacy automakers or even HOOD versus legacy brokerages. No insurer is going to do embedded insurance like how ROOT does it. Look at the list of partners that are lining up here. Legacy insurers can't build embedded platforms period. No other insurer is going to be able to cross-sell like how ROOT does it, significantly increasing LTV of customers & margins because of it. as for cross-selling, according to JD Power, if a policy is bundled, the customer will hold the policy for about 30% longer, and it opens the market up by another 37% for customers who only shop for bundled policies. Why that is important? thats because with the 1.4Bish cash that ROOT may receive from CVNA warrants, that could potentially be used to acquire another product front loading growth, and potentially doubling revenue growth. legacy insurers have nothing against ROOT. It will only take a small amount of PIF growth, to bring in strong NI. you're simply not bullish enough.

Hot_Panic2620

Again that is all fine I just know you're making a lot of assumptions. To my knowledge there is no auto insurer that has a long term CR close to 75. That would be a huge misstep and make no business sense at all. Modeling after GEICO might also not be a good comparison, GEICO only offers insurance in the direct channel. They are just now getting into independent agencies for the agency channel. That and GEICO historically has around a 15% expense ratio. Only when they were severely behind on taking rates up did they gut all expenses. Do not expect that to last, they cut a lot of jobs and restructured and cut benefits. That is not sustainable. I hear you on the P/E though. 8 is low but keep in mind high quality stocks like PGR are only double that. Allstate is at like a 10 P/E right now. Yes, ROOT deserves a premium due to their growth but I think having a 40 forward P/E is on the upper end of fair valuations. Lastly, not sure what you mean about cross-selling? They sell auto only so I don't think they have cross-sell opportunities that state farm and progressive have to sell home or life or recreational vehicle bundles? Those are not easy products to start from scratch. I would expect it to be a long time before they expand outside of auto. Maybe an eventual acquisition of a small home insurer.

Creative-Cranberry47

the MLR caps on UNH are at 80/85%, capping UNH margins at 5%\~. Might as well buy an insurer that doesn't have any loss ratio caps like ROOT, where their tech will make them multiple times more profit efficient than UNH. ROOT would have a 75% CR in the long term, where one policy in terms of profit will equal multiple UNH policies. ROOT already has superior pricing, and best in class loss ratios, and will one day be contend UNH in market cap, but yet ROOT trades at 1/150 in market cap size.

Creative-Cranberry47

yikes. it might actually. keep a close eye on ROOT on how those CVNA/ ROOT warrants play out

Creative-Cranberry47

ROOT. forward P/E of less than 8, and thats extremely conservative. could 4X today and still be extremely cheap. its a 100X story long term.

Creative-Cranberry47

where ROOT is at right now on their pricing, is superior to their legacy counterparts. If they keep pricing steady, but manage their expenses, that 75% CR is very realistic. Geico was at a 81.5% CR in 2024, and their loss ratio was high, in comparison to ROOT's best in class. There's no need for ROOT to do price adjustments, other than bringing their expenses down. ROOT's the only insurer that has everything done in house with a closed loop system. Their efficiency is going to get even better than their legacy peers, as economy of scale kicks in. ROOT's LTV per customer is also going to improve drastically with cross-selling, & also increase stickiness by over 30% & increase market size by over 35%, which will improve profit margins. Its not an IF ROOT achieves a 75% CR, its a matter of WHEN. In the interim, ROOT could front-load growth with marketing spend to stall the inevitable 75% CR. Their pricing is already superior than legacy counter parts. they don't need to decrease pricing to compete, so i see those loss ratios being maintained. as for outlook, forward P/E is less than 8, and thats being conservative. it could 4X in price today and would still be cheap. ROOT has yet to integrate their embedded platforms with its 20+ major partners which include Hyundai, Toyota, etc, which if they did, it would bring another lever of growth. ROOT has projected over 10,000+ subagency partner contacts from Goosehead, First connect, and from their direct onboarding. Shapiro thinks they would be able to represent more than half the market in a several years. these partnerships could be a source of millions of policies annually going forward. You're not rosy enough about the outlook.

Hot_Panic2620

Like I said I agree they are undervalued and they are headed in the right direction and doing a lot of things right. I was just providing color commentary as someone who works in the insurance industry and who's literal job is competitor analysis. I've written many reports on ROOT and all the major players lol. So yeah they are set well for a good year this year. They seem to be back on the growth train after a flat 2024 (from end of Q1 to end of Q4 last year they only grew 14k policies). They were still behind increasing rates but really got in a good position now as the major carriers are still taking rates up which in turn makes ROOT more competitive in the market for customers. So yeah I'm agreeing with like 80% of what you're saying, you make some good points. I just think you're outlook is a little more rosey than mine. But yes ROOT will be a great hold over the next 5 years! P.S. ROOT will never have a 75 CR and if they do they are doing something VERY wrong. That would mean they are insanely overpriced for their customers and they are leaving a lot of growth on the table. A sweet spot is the low 90s generally in the industry. New business runs hot compared to repeat customers so if an insurer is growing a lot their CR would likely be inflated but that's ok.

Creative-Cranberry47

i think thats a bad take. for ROOT, 2024 had a hyper growth penalty, so many of those quarters were a wash, but ROOT is well passed that as PIF is now seasoned, many of the policies partnered, and their partners are now growing exponentially with over 20+ major partners, and likely over 10,000+ projected subagencies(including goosehead+ first connect) since public launch in q4. you should compare the PIF growth QoQ which is nearly double digits. the partnership channel is growing exponentially which the market hasn't even taken that into account. we shouldn't be comparing the bad years prior to their turnaround, as they had alot of internal things going on. those years should be a wash for comparison, as what really matters now is 2023 and beyond, in which they have and will completely outgrow their peers. 2024 growth of 159% isn't a fluke. they got their lower marketing funnels down to a tea, which they will be able to replicate going forward. ROOT had a 89% CR in q3, and thats just early in the story. ROOT can easily reach a 75% CR in the long term, making them 2-5X more profit efficient than their legacy peers. Geico has a 10% expense ratio. ROOT can mimic that expense ratio when they have a much more efficient tech stack. you're really underestimating what ROOT can do in the quarters to come. what ROOT is doing now is growth at a much larger scale when PGR or Geico was at a similar size. Besides PGR, all other insurers lost auto customers. let that sink in. ROOT is doing everything right, and underestimating them because their "small" is overlooking them.

Hot_Panic2620

I think it's important to compare them to other publicly traded insurance companies. Let's compare them to Progressive: Company| 2024 Premium |2020 Premium| Growth Rate |2024 CR --:|:--|:--:|--:|:-- PGR | $74B | $40B| 185% |89 ROOT | $1.3B | $0.6B| 216%| 96.4 HIPO | $272M | $17M | 1600% |107* *HIPO doesn't provide net CR for just their insurance so I had to use total business CR which includes premiums and expenses related to their premium placement program (revenue generated from placing business with other carriers) So if we look at this 4 year look (that's as far back as I could find for all three, you're looking at very similar growth rates for a well established, dividend paying, PGR compared to ROOT. and PGR has higher margins. Meanwhile, HIPO is growing their home insurance fast (growth has slowed in recent year but 5 year trend is still wild). Again I love ROOT and will hold them long term until another larger carrier buys them out which in my opinion will be sooner rather than later if we can get past this tariff nonsense. But don't let a weak comparison fool you into thinking ROOT is growing faster than they actually are. I mean look at ROOT's Q1 report and you'll see policies in force only went up 12% YoY. PGR is knocking that out of the water at 70x their size. PGR is adding ROOT's entire book of buisness on average every single month.

Creative-Cranberry47

ROOT's IPO realize the potential of insuretechs overtaking legacy insurers. that potential has now become a reality, which ROOT should be trading well above IPO prices at this point. ROOT hit a 89% CR in q3, and that efficiency number is only going to get better. i love HIPO but it grows at a fraction of ROOT.

Frenchyyyy4166

What an insane move from ROOT , $7 to where it is now.

cripky

ROOT casually up 110% in the last 6 months 😵‍💫

Particular-Cake-6430

Got out of ROOT. Boys bags being dropped every day. Thank you mango

Tallpaul1989

Calls on ROOT

WredditSmark

Like literally get therapy, unsub from this sub and all finance and gambling subs, and seriously, get therapy. It’s clear you have an addiction, and if you don’t fix the ROOT of the addiction, even if you stop gambling with stocks you’ll just do some other shit to fill the void

Realistic-Author-479

Nah. ASTS chart looks better. So does ROOT.

Background-Nothing71

WOW WOW WOW - fumbled this mornings drop so bad, I am actually in awe at how regarded I am. ROOT CAUSE got too greedy 

Creative-Cranberry47

im long ROOT. No exposure to CVNA. though, CVNA may be most misunderstood company by retail

ldmonko

Interesting. What is your exposure to ROOT and CVNA?

Creative-Cranberry47

ROOT, LMND, OSCR is down near double digits.

Creative-Cranberry47

if you buy ROOT, its like warren buffet buying Geico in 1976 at a 35m marketcap, which 4500X+ 49 years later, but ROOT is going to grow exponentially faster due to AI, automation and the internet

jobbkonto_reddit

I only invest in stocks with 2 O's in them like GOOG and HOOD. Does anyone have suggestions to diversify this portfolio without breaking my golden rule? Been lookin at ROOT to capitalize on shit gen z drivers

ndwillia

It’s a self-arbitrage strategy with their payment-in-kind arrangement with ROOT. Once this stops, Carvana will never be able to escape its debt burden, and the company will fail. There’s no way it doesn’t. This has been the case for a while now and this will continue for at least the next year, if not 2. If you’re fucked, you might as well make your stock a money making instrument through (if I may say so myself) some pretty amazing/creative accounting practices. The whole payment in kind this is absolutely genius.

footlong24seven

I'm so upset with myself for not pulling the trigger on DAVE. Was looking at calls for 120 right before earnings. Would have been 10x+. Those don't come often and I was right there. But I had an awful week and decided not to risk shooting myself in the foot again. I'll give props to IBD for putting this one on my radar. ROOT has similar behavior, as well as MRX.

Creative-Cranberry47

right, there is so much more ROOT could use to do with that money, like acquire another product or so, which would help make their auto product more stickier, and also potentially double their revenue with cross-selling another product. that 1.4B cash influx should do ROOT wonders

sunssoapboxx

if CVNA buys the warrants, that's \~$1.4B to ROOT, so yes it should trade higher

Creative-Cranberry47

well if you bought in the morning on both ROOT or CVNA, you would have made money!

pain474

Damn i missed out on 3.5k on ROOT calls already 

ai-moderator

#**TLDR** --- **Ticker:** $ROOT **Direction:** Up 🚀 **Prognosis:** $2,000 PT! Buy now, be a millionaire later. Seriously, do your own DD. **Catalyst:** Blowout Q1 earnings, Carvana warrants, partnerships galore, basically taking over the insurance world. **Author's Delusion Level:** High. (But intriguing...)

banditcleaner2

I could be dead fucking wrong but doesnt ROOT basically always report earnings the same time a carvana?

Icy-Seat9027

Agreed, I think it could follow the same path as $ROOT

Embarrassed_Island50

FNGR .. 2.72 .. $FNGR 2 things 1) $DJT is almost $26 again 2) $ROOT is up $5.41 on 236,000 shares THAT why my target is $3000 on $FNGR

NVDAismygod

ROOT is a sneaky lil play. Sketchy insurance always pays

Zen67

Look at RDDT and ROOT.

Creative-Cranberry47

stay away from a majority of the Mag 7. way too much impact on tariffs right now. move toward less impacted tariff names. We're likely seeing an outperformance of Russell 2000 due to less of them having an international presence. i'm going with $ROOT. auto insurance is tariff, recession and inflation proof. and actually during tough times, ROOT tends to perform better.

CaboWabo55

For my roth and 401k, im mainly the Vanguard total market and 500 mutual funds. I also have a small etrade where I'm dollar cost averaging into ISRG ROOT TSSI Little more risk but we'll see what happens...

Creative-Cranberry47

thats all based on IF there is a collapse on the auto market, which it won't happen. these payments are a fraction of a households expense, and many prioritize being able to drive a car for work transportation. its usually most of the time not doomsday. interest rates are dropping, allowing for lower monthly payments, and better refinancing terms. appreciating car values, allow the borrowers to exit out of their loans for a profit. CVNA holding onto loans, makes sense as their net yield is much higher than their borrowed debt. I.E they borrow at low single digits, but lend on double digits for a net yield. the estimated delinquency rate is off and inflated. The reality is CVNA is a car dealer, lender, and an insurance broker(ROOT), which makes them significantly more valuable than its competitors that don't really have the same focus or setup on maximizing GPUs via vertical integration.

Creative-Cranberry47

the 12.6% number is way inflated and is not really credible. the reality is CVNA has very easy access to capital, and calling it the "house of cards crumbling" is an exaggeration part of CVNA's GPU strategy includes underwriting and selling the loan, collecting from commissions from ROOT insurance, which is completely normal business activities. You can't really hate on CVNA for being its own lender. I don't see people hating on LC or RKT for packaging and selling loans..

Creative-Cranberry47

The thing is ROOT insurance has superior prices than their legacy counterparts. So you'll see people lean toward ROOT if they do shop. It doesn't hurt when the buyer shops around, which most people do these days. the last time i bought a vehicle, i didn't go with the one i already had. I went with the easiest simplest option. So sometimes its more convenience than anything. But even so, it took me 30-45 mins to get a quote via the phone with the agent. ROOT is offering a simple quick seamless option to get a quote with the vehicle they are purchasing. many people will pick the convenience & also price over their current provider. Look at the partnership that ROOT has with CVNA. Its a simple easy quick process to buy and then get insured with ROOT. That partnership is extremely successful today. Hyundai is much larger than CVNA in both units sold, and an overall absolute sense. Overall a great opportunity, that the overall market has overlooked.

Creative-Cranberry47

way overlooked in my two cents. Hyundai, Kia & Genesis make up over 10% of the auto market. Imagine each sale & lease being offered ROOT insurance. check out what CVNA & ROOT's partnership did for ROOT stock. Hyundai is a way bigger deal with more units sold/leased.

UNEXPECTED_PREQUEL

we are already too late btw, $ROOT is up already

kinggianniferrari

GRPN is a good one, with over 30% short. Also ROOT has been killing it.

BMorris2526

You should have bought ROOT

Creative-Cranberry47

100%. charts are indeed looking great on both. $ROOT could lead and $LMND would follow. whereas $LMND having one of the highest SI out there, could also lead as it squeezes on the overall market stabilization. you definitely got the right idea.

CaboWabo55

Which nuclear company do you recommend? I do have some ROOT shares

Creative-Cranberry47

ROOT>LMND. ROOT is the multiple better insuretech growing at 159% YoY vs LMND 21%. ROOT was 43M EBITDA profitable last quarter meanwhile LMND is losing \~215 annually.

cripky

ROOT been ripping on the DL frfr

robertncm

holy shit ROOT stonk

EdvardMunch

Im more about this just being a dump from a pump is all. It was all pumped from October - lol RDDT and PLTR, HIMS, OKLO, ROOT, etc

Elegant-Berry5192

What the fuck is ROOT and why do I want to short it so bad

Expensive-Big-8725

ROOT

ajesbenshade

Grok says My Take You’re in a tug-of-war between growing wealth and plugging leaks. Here’s a possible path: • Short-Term: Sell enough ROOT after March 5 to pay off the $6,000 credit card debt and your house (if the numbers work). This locks in gains, kills the debt, and lowers your monthly burn rate. Keep the rest in ROOT or diversify into something less volatile. • Medium-Term: Get your wife on the same page. She’s not spending “her money”—it’s family money, and it’s jeopardizing your kids’ future (a point you care about). Maybe frame it that way instead of a personal attack. If counseling’s off the table, try a financial planner or a joint budgeting app with strict controls. • Long-Term: Pick one big move—cabin or business—and plan it carefully. Keep it separate from daily spending (e.g., a trust or LLC she can’t touch). Let your Bitcoin sit unless it moons again.

ai-moderator

# **TLDR** --- **Ticker:** ROOT (primarily), also BTC, some other unspecified investments **Direction:** Unsure, seeking advice. Currently holding, considering various options. **Prognosis:** Indeterminate. Needs financial planning to determine best course of action considering current situation and goals. **Wife's Spending:** Significant overspending, resulting in $6000 credit card debt. **Additional Note:** OP inherited money, invested it, then spent a significant portion. Now seeks advice on remaining ~$396k.

dimethylhyperspace

Idk what ROOT does. But they're up 30% in two days

Substantial-One1024

I once held ROOT to -96% and then again to +12%. I'm at -25% now.

RoloBoat

Short term of 1-2 month time horizon would be ARVN (April 17th $20 calls), INBS (shares - no options available), SWTX (shares - options to inflated) …. Medium term of 3-6 month time horizon would be APLD (June 20th $10 call)….. Long term (never selling)…. LPTH, TARS and maybe ROOT & IONS. Not financial advice and all that.

EdvardMunch

Ughhhh not to sound paranoid but maybe get puts out of some of these hot meme stocks. I think they might do what they did the other direction again... look at ROOT

GodDoesntExistZ

Im about to lose all my profits of the past week on ROOT short because of terrible spread. Great man. And ofc i seem to have timed the bottom. The stars aligned for me to lose money 

GodDoesntExistZ

Bro i didn’t notice that spread on ROOT wtf. I shorted and it’s an instant 30% loss 💀

DieuEmpereurQc

At least ROOT is up, thanks reddit

Cantthinkofacoolnam

ROOT up 40% today. Not a single post about it. So much upside on that company.

Cantthinkofacoolnam

Need more people to look at ROOT not that garbage LUNR

Hlomney

$ROOT 👀

Hlomney

Short $ROOT

CWB2208

ROOT 

Any_Hurry_6359

It’s all about the $ROOT

sevazilla

Holy shmoley $ROOT popped off

yo_les_noobs

ROOT letting me eat ketchup soup for dinner instead of dirt soup

takeitsleazy316

ROOT delivered nicely

GoZukkYourself

It's exhilarating to know that we're less than 9 hours away from the most anticipated earnings of the year. Yes, this afternoon we will finally know ROOT's 4th Quarter numbers.

C01n_sh1LL

My latest big winners are ROOT (got in at $12 on my oldest lot) and DEFTF, formerly DEFI. My methodology is to look for memorable sticker symbols, something likely to entice a greater fool to buy the shit off of me later. Some brokerages make dynamic hyperlinks based on detected ticker symbols in their news feeds, so I also look for tickers based on common words which will get linked from unrelated news articles (DEFI is an example of this). I also like to use my brokerage's "top movers" feed to pre-screen for especially volatile stocks, before applying the memetic criteria described above.

wholovesshortshorts

Insurance is not a great space rn I’m looking at ROOT like I looked at LMND

AdPurple4902

Anyone notice ROOT?? Just discovered it

undecidedmarketmaker

ROOT is a POS stock with fair value in the single digits. Perhaps we'll finally see it return to some fair multiple of that with their CVNA grift falling out

Creative-Cranberry47

ROOT is the multiple better insuretech growing at 165% YoY vs LMND 21%

Creative-Cranberry47

ROOT is much better insuretech play than $LMND. ROOT's growing 165% YoY vs LMND 21%. ROOT was 42M EBITDA profitable last quarter meanwhile LMND is losing \~215M TTM.

Creative-Cranberry47

ouch. you need to dig deeper into ROOT if you're really thinking its a short candidate. its the next PGR in the making

fatuousfatwa

CVNA reports this week and like usual expectations are very low. Do they have any more ROOT warrants to sell so that it looks like they turn a profit? There is an article in the WSJ this week talking about the high wholesale prices of used cars. Problem is can blow a low number away. Meanwhile AMAT beats their number and admits that China will impact them and they lose $15 Friday. CVNA is up $100 since the Hindenburg report.

PieceFeisty7667

shares of penny stocks and cryptos. and there are $1 contracts, just not many volatile late day opportunities to buy 0DTE contracts for 0.01. used to hit 10,000% back in the day, hell i hit like 400,000% one time on $ROOT lmao if i find the screenshot in my old discord ill send it

Future_Hyena2562

 ROOT just popped off