Estados financieros detallados de Root, Inc. (ROOT): cuenta de resultados, balance general y flujo de caja. Sigue la evolución de márgenes, deuda, liquidez y rentabilidad año a año con hasta 20 años de histórico.
Resumen del Análisis
Root, Inc. registró ingresos de $1.52B en el último ejercicio fiscal, con un CAGR de 5 años del 34.3%.
Márgenes de los últimos 12 meses: margen bruto 31.5%, margen operativo 4.0%, margen neto 3.9%.
Al precio actual de $52.44, ROOT cotiza a un P/E de 13.83 y un ROE del 15.91%. La capitalización bursátil es de $735M.
Cuenta de Resultados (10 años)
| Año | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|
| Ingresos | $43.3M | $290.2M | $346.8M | $345.4M | $310.8M | $455.0M | $1.18B | $1.52B |
| Coste de Ventas | $53.7M | $373.7M | $361.0M | $397.3M | $343.0M | $378.9M | $839.4M | $1.13B |
| Beneficio Bruto | -$10.4M | -$83.5M | -$14.2M | -$51.9M | -$32.2M | $76.1M | $337.1M | $386.6M |
| I+D | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Generales y Administrativos | $49.6M | $152.6M | $218.2M | $367.8M | $175.4M | $132.6M | $205.3M | $271.7M |
| Gastos Operativos | $58.7M | $198.9M | $348.8M | $469.2M | $265.5M | $223.5M | $306.2M | $345.8M |
| Beneficio Operativo | -$69.1M | -$282.4M | -$363.0M | -$521.1M | -$297.7M | -$147.4M | $30.9M | $40.8M |
| EBITDA | -$67.6M | -$255.2M | -$269.7M | -$484.5M | -$249.3M | -$88.7M | $88.0M | $73.6M |
| Gastos por Intereses | $900000 | $22.3M | $77.7M | $20.0M | $34.6M | $46.1M | $42.2M | $21.0M |
| Beneficio Antes de Impuestos | -$69.1M | -$282.4M | -$363.0M | -$521.1M | -$297.7M | -$147.4M | $30.9M | $40.8M |
| Impuestos | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -$500000 |
| Beneficio Neto | -$69.1M | -$282.4M | -$363.0M | -$521.1M | -$297.7M | -$147.4M | $30.9M | $40.3M |
| BPA | $-6.08 | $-24.83 | $-86.43 | $-37.62 | $-21.11 | $-10.24 | $1.96 | $2.49 |
| BPA Diluido | $-6.08 | $-24.83 | $-86.43 | $-37.62 | $-21.11 | $-10.24 | $1.83 | $2.24 |
| Acciones en Circulación (Diluidas) | $1.8M | $14.1M | $13.9M | $13.8M | $14.1M | $14.4M | $16.9M | $17.2M |
Balance (10 años)
| Año | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|
| Caja y Equivalentes | $122.3M | $416.6M | $1.11B | $707.0M | $763.1M | $679.7M | $600.3M | $689.9M |
| Inversiones a Corto | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Cuentas por Cobrar | $35.0M | $122.7M | $130.1M | $148.1M | $111.9M | $247.1M | $305.3M | $332.8M |
| Inventario | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Activos Corrientes | $157.3M | $539.3M | $1.24B | $855.1M | $875.0M | $926.8M | $905.6M | $1.02B |
| Inmovilizado Material | $3.8M | $10.2M | 0 | $5.1M | $9.8M | $6.3M | $4.4M | $3.2M |
| Fondo de Comercio | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Activos Intangibles | 0 | 0 | $8.9M | $8.9M | $16.3M | $19.2M | $22.0M | $27.6M |
| Activos Totales | $187.1M | $685.9M | $1.52B | $1.06B | $1.09B | $1.17B | $1.32B | $1.54B |
| Cuentas por Pagar | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Deuda a Corto | 0 | $99.5M | $99.5M | $4.3M | $3.2M | $3.0M | $2.2M | $2.3M |
| Pasivos Corrientes | $34.5M | $227.5M | $143.8M | $83.6M | $65.5M | $238.5M | $331.0M | $389.7M |
| Deuda a Largo | $14.9M | $91.8M | $78.5M | 0 | $288.1M | $291.1M | $196.3M | $197.0M |
| Pasivos Totales | $100.2M | $499.5M | $492.3M | $415.1M | $700.8M | $896.5M | $1.00B | $1.14B |
| Reservas | -$102.6M | -$385.0M | -$748.0M | -$1.27B | -$1.57B | -$1.72B | -$1.68B | -$1.64B |
| Patrimonio Neto | $86.9M | $186.4M | $1.03B | $648.4M | $389.1M | $277.7M | $315.7M | $396.3M |
| Deuda Total | $14.9M | $191.3M | $178.0M | $14.1M | $298.6M | $299.3M | $202.3M | $201.3M |
| Deuda Neta | -$107.4M | -$225.3M | -$935.8M | -$692.9M | -$464.5M | -$380.4M | -$398.0M | -$488.6M |
| Capital Circulante | $122.8M | $311.8M | $1.10B | $771.5M | $809.5M | $688.3M | $574.6M | $633.0M |
Flujo de Caja (10 años)
| Año | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|
| Beneficio Neto | -$69.1M | -$282.4M | -$363.0M | -$521.1M | -$297.7M | -$147.4M | $30.9M | $40.3M |
| Amortizaciones | $600000 | $4.9M | $15.6M | $16.6M | $13.8M | $12.6M | $14.9M | $11.8M |
| Compensación en Acciones | $100000 | $1.4M | $3.7M | $28.1M | $45.0M | $34.7M | $22.3M | $40.1M |
| Cambio en Capital Circulante | $42.0M | $119.3M | -$55.7M | $52.3M | $12.3M | $52.7M | $88.6M | $58.4M |
| Flujo de Caja Operativo | -$26.1M | -$127.2M | -$287.2M | -$403.4M | -$210.6M | -$33.6M | $195.7M | $206.5M |
| Inversiones (CapEx) | -$3.5M | -$12.1M | -$16.1M | -$11.2M | -$10.1M | -$9.4M | -$11.8M | -$14.1M |
| Adquisiciones | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Recompra de Acciones | 0 | 0 | -$200000 | 0 | 0 | 0 | 0 | 0 |
| Dividendos Pagados | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Flujo de Caja Libre | -$29.6M | -$139.3M | -$303.3M | -$414.6M | -$220.7M | -$43.0M | $183.9M | $192.4M |
Crecimiento y Márgenes (10 años)
| Año | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|
| Crecimiento Ingresos (anual) | +570.2% | +19.5% | -0.4% | -10.0% | +46.4% | +158.6% | +29.0% | |
| Crecimiento Beneficio Neto (anual) | -308.7% | -28.5% | -43.6% | +42.9% | +50.5% | +121.0% | +30.4% | |
| Crecimiento BPA (anual) | -308.4% | -248.1% | +56.5% | +43.9% | +51.5% | +119.1% | +27.0% | |
| Cambio en Acciones (anual) | +694.6% | -1.4% | -0.3% | +1.8% | +2.1% | +17.4% | +1.8% | |
| Crecimiento FCF (anual) | -370.6% | -117.7% | -36.7% | +46.8% | +80.5% | +527.7% | +4.6% | |
| Margen Bruto | -24.0% | -28.8% | -4.1% | -15.0% | -10.4% | 16.7% | 28.7% | 25.5% |
| Margen Operativo | -159.6% | -97.3% | -104.7% | -150.9% | -95.8% | -32.4% | 2.6% | 2.7% |
| Margen EBITDA | -156.1% | -87.9% | -77.8% | -140.3% | -80.2% | -19.5% | 7.5% | 4.9% |
| Margen Neto | -159.6% | -97.3% | -104.7% | -150.9% | -95.8% | -32.4% | 2.6% | 2.7% |
| Margen FCF | -68.4% | -48.0% | -87.5% | -120.0% | -71.0% | -9.5% | 15.6% | 12.7% |
| Tasa Impositiva Efectiva | -0.0% | -0.0% | -0.0% | -0.0% | -0.0% | -0.0% | 0.0% | -1.2% |
Datos por Acción (10 años)
| Año | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|
| FCF por Acción | $-16.70 | $-9.89 | $-21.85 | $-29.95 | $-15.65 | $-2.99 | $10.88 | $11.19 |
| Dividendo por Acción | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |
| Acciones en Circulación (Básicas) | $1.8M | $14.1M | $13.9M | $13.8M | $14.1M | $14.4M | $14.9M | $15.5M |
Qué mirar en Seguros
Las aseguradoras ganan de 2 formas: suscribiendo bien (combined ratio) e invirtiendo el float. Buffett construyó Berkshire así.
- Op Margin 5y (proxy Combined Ratio) — Proxy del combined ratio cuando FMP no lo expone. ≥10% medio 5y = disciplina de suscripción (CR <100%)
- Crecimiento Book Value / Acción — Cómo Buffett mide Berkshire. El valor real que acumulan los accionistas
- Debt / Equity — Aseguradoras apalancadas quiebran rápido en catástrofes
- P/B (Price / Book) — Aseguradoras se valoran por múltiplo de libros. Aquí se cruza con el ROE (calidad × valoración)
- Dividend growth streak — Años consecutivos subiendo dividendo por acción — aseguradoras sólidas acumulan décadas
Rentabilidad
| Rentabilidad sobre capital | 15.91% |
| Rentabilidad sobre capital invertido | 9.41% |
| Rentabilidad sobre activos | 3.67% |
| Margen bruto | 31.54% |
| Margen operativo | 3.96% |
| Margen neto | 3.90% |
Salud financiera
| Deuda / Patrimonio | 0.95 |
| Ratio corriente | 1.52 |
Ratios Clave (10 años)
| Año | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|
| P/E | -79.93 | -19.57 | -3.27 | -1.48 | -0.21 | -1.02 | 37.04 | 29.01 |
| P/VC | 9.91 | 36.72 | 3.80 | 1.19 | 0.16 | 0.54 | 3.43 | 2.83 |
| P/V | 19.89 | 23.58 | 11.32 | 2.24 | 0.20 | 0.33 | 0.92 | 0.74 |
| Margen Bruto | -24.0% | -28.8% | -4.1% | -15.0% | -10.4% | 16.7% | 28.7% | 25.5% |
| Margen Operativo | -159.6% | -97.3% | -104.7% | -150.9% | -95.8% | -32.4% | 2.6% | 2.7% |
| Margen Neto | -159.6% | -97.3% | -104.7% | -150.9% | -95.8% | -32.4% | 2.6% | 2.7% |
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