États financiers détaillés de Root, Inc. (ROOT): compte de résultat, bilan et tableau de flux de trésorerie. Suivez l'évolution des marges, de la dette, de la liquidité et de la rentabilité d'une année sur l'autre avec jusqu'à 20 ans d'historique.
Résumé de l'Analyse
Root, Inc. a enregistré un chiffre d'affaires de $1.52B sur le dernier exercice, avec un CAGR sur 5 ans de 34.3%.
Marges des 12 derniers mois: marge brute 31.5%, marge opérationnelle 4.0%, marge nette 3.9%.
Au prix actuel de $52.44, ROOT se négocie à un PER de 13.83 et un ROE de 15.91%. La capitalisation boursière s'établit à $735M.
Compte de Résultat (10 ans)
| Année | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|
| Revenus | $43.3M | $290.2M | $346.8M | $345.4M | $310.8M | $455.0M | $1.18B | $1.52B |
| Coût des Ventes | $53.7M | $373.7M | $361.0M | $397.3M | $343.0M | $378.9M | $839.4M | $1.13B |
| Marge Brute | -$10.4M | -$83.5M | -$14.2M | -$51.9M | -$32.2M | $76.1M | $337.1M | $386.6M |
| R&D | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Frais Généraux | $49.6M | $152.6M | $218.2M | $367.8M | $175.4M | $132.6M | $205.3M | $271.7M |
| Charges Opérationnelles | $58.7M | $198.9M | $348.8M | $469.2M | $265.5M | $223.5M | $306.2M | $345.8M |
| Résultat Opérationnel | -$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 |
| Charges d'Intérêt | $900000 | $22.3M | $77.7M | $20.0M | $34.6M | $46.1M | $42.2M | $21.0M |
| Résultat Avant Impôts | -$69.1M | -$282.4M | -$363.0M | -$521.1M | -$297.7M | -$147.4M | $30.9M | $40.8M |
| Impôts | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -$500000 |
| Résultat Net | -$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 Dilué | $-6.08 | $-24.83 | $-86.43 | $-37.62 | $-21.11 | $-10.24 | $1.83 | $2.24 |
| Actions en Circulation (Diluées) | $1.8M | $14.1M | $13.9M | $13.8M | $14.1M | $14.4M | $16.9M | $17.2M |
Bilan (10 ans)
| Année | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|
| Trésorerie | $122.3M | $416.6M | $1.11B | $707.0M | $763.1M | $679.7M | $600.3M | $689.9M |
| Placements à Court Terme | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Créances | $35.0M | $122.7M | $130.1M | $148.1M | $111.9M | $247.1M | $305.3M | $332.8M |
| Stocks | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Actifs Courants | $157.3M | $539.3M | $1.24B | $855.1M | $875.0M | $926.8M | $905.6M | $1.02B |
| Immobilisations Corporelles | $3.8M | $10.2M | 0 | $5.1M | $9.8M | $6.3M | $4.4M | $3.2M |
| Goodwill | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Actifs Incorporels | 0 | 0 | $8.9M | $8.9M | $16.3M | $19.2M | $22.0M | $27.6M |
| Actifs Totaux | $187.1M | $685.9M | $1.52B | $1.06B | $1.09B | $1.17B | $1.32B | $1.54B |
| Dettes Fournisseurs | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Dette à Court Terme | 0 | $99.5M | $99.5M | $4.3M | $3.2M | $3.0M | $2.2M | $2.3M |
| Passifs Courants | $34.5M | $227.5M | $143.8M | $83.6M | $65.5M | $238.5M | $331.0M | $389.7M |
| Dette à Long Terme | $14.9M | $91.8M | $78.5M | 0 | $288.1M | $291.1M | $196.3M | $197.0M |
| Passifs Totaux | $100.2M | $499.5M | $492.3M | $415.1M | $700.8M | $896.5M | $1.00B | $1.14B |
| Réserves | -$102.6M | -$385.0M | -$748.0M | -$1.27B | -$1.57B | -$1.72B | -$1.68B | -$1.64B |
| Capitaux Propres | $86.9M | $186.4M | $1.03B | $648.4M | $389.1M | $277.7M | $315.7M | $396.3M |
| Dette Totale | $14.9M | $191.3M | $178.0M | $14.1M | $298.6M | $299.3M | $202.3M | $201.3M |
| Dette Nette | -$107.4M | -$225.3M | -$935.8M | -$692.9M | -$464.5M | -$380.4M | -$398.0M | -$488.6M |
| Fonds de Roulement | $122.8M | $311.8M | $1.10B | $771.5M | $809.5M | $688.3M | $574.6M | $633.0M |
Tableau de Flux (10 ans)
| Année | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|
| Résultat Net | -$69.1M | -$282.4M | -$363.0M | -$521.1M | -$297.7M | -$147.4M | $30.9M | $40.3M |
| Amortissements | $600000 | $4.9M | $15.6M | $16.6M | $13.8M | $12.6M | $14.9M | $11.8M |
| Stock-based Compensation | $100000 | $1.4M | $3.7M | $28.1M | $45.0M | $34.7M | $22.3M | $40.1M |
| Variation du BFR | $42.0M | $119.3M | -$55.7M | $52.3M | $12.3M | $52.7M | $88.6M | $58.4M |
| Cash Flow Opérationnel | -$26.1M | -$127.2M | -$287.2M | -$403.4M | -$210.6M | -$33.6M | $195.7M | $206.5M |
| CapEx | -$3.5M | -$12.1M | -$16.1M | -$11.2M | -$10.1M | -$9.4M | -$11.8M | -$14.1M |
| Acquisitions | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Rachat d'Actions | 0 | 0 | -$200000 | 0 | 0 | 0 | 0 | 0 |
| Dividendes Payés | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Free Cash Flow | -$29.6M | -$139.3M | -$303.3M | -$414.6M | -$220.7M | -$43.0M | $183.9M | $192.4M |
Croissance et Marges (10 ans)
| Année | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|
| Croissance Revenus (annuelle) | +570.2% | +19.5% | -0.4% | -10.0% | +46.4% | +158.6% | +29.0% | |
| Croissance Résultat Net (annuelle) | -308.7% | -28.5% | -43.6% | +42.9% | +50.5% | +121.0% | +30.4% | |
| Croissance BPA (annuelle) | -308.4% | -248.1% | +56.5% | +43.9% | +51.5% | +119.1% | +27.0% | |
| Variation Actions (annuelle) | +694.6% | -1.4% | -0.3% | +1.8% | +2.1% | +17.4% | +1.8% | |
| Croissance FCF (annuelle) | -370.6% | -117.7% | -36.7% | +46.8% | +80.5% | +527.7% | +4.6% | |
| Marge Brute | -24.0% | -28.8% | -4.1% | -15.0% | -10.4% | 16.7% | 28.7% | 25.5% |
| Marge Opérationnelle | -159.6% | -97.3% | -104.7% | -150.9% | -95.8% | -32.4% | 2.6% | 2.7% |
| Marge EBITDA | -156.1% | -87.9% | -77.8% | -140.3% | -80.2% | -19.5% | 7.5% | 4.9% |
| Marge Nette | -159.6% | -97.3% | -104.7% | -150.9% | -95.8% | -32.4% | 2.6% | 2.7% |
| Marge FCF | -68.4% | -48.0% | -87.5% | -120.0% | -71.0% | -9.5% | 15.6% | 12.7% |
| Taux d'Imposition Effectif | -0.0% | -0.0% | -0.0% | -0.0% | -0.0% | -0.0% | 0.0% | -1.2% |
Données par Action (10 ans)
| Année | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|
| FCF par Action | $-16.70 | $-9.89 | $-21.85 | $-29.95 | $-15.65 | $-2.99 | $10.88 | $11.19 |
| Dividende par Action | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |
| Actions en Circulation (Basiques) | $1.8M | $14.1M | $13.9M | $13.8M | $14.1M | $14.4M | $14.9M | $15.5M |
Quoi regarder en Assurance
Les assureurs gagnent de 2 façons : bien souscrire (combined ratio) et investir le float. Buffett a bâti Berkshire ainsi.
- Marge op 5 ans (proxy Combined Ratio) — Proxy du combined ratio quand FMP ne l'expose pas. ≥10% moyenne 5 ans = discipline de souscription (CR <100%)
- Croissance Book Value / Action — Comment Buffett mesure Berkshire. La vraie valeur accumulée par les actionnaires
- Dette / Capitaux — Les assureurs sur-endettés font faillite vite en catastrophe
- P/B (Prix / Valeur comptable) — Les assureurs sont valorisés par multiple comptable. Ici on la croise avec le ROE (qualité × valorisation)
- Série de hausses de dividende — Années consécutives de hausse du dividende par action — les assureurs solides cumulent des décennies
Rentabilité
| Rentabilité des capitaux propres | 15.91% |
| Rentabilité du capital investi | 9.41% |
| Rentabilité des actifs | 3.67% |
| Marge brute | 31.54% |
| Marge opérationnelle | 3.96% |
| Marge nette | 3.90% |
Santé financière
| Dette / Capitaux propres | 0.95 |
| Ratio de liquidité | 1.52 |
Ratios Clés (10 ans)
| Année | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|
| PER | -79.93 | -19.57 | -3.27 | -1.48 | -0.21 | -1.02 | 37.04 | 29.01 |
| P/B | 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 |
| Marge Brute | -24.0% | -28.8% | -4.1% | -15.0% | -10.4% | 16.7% | 28.7% | 25.5% |
| Marge Opérationnelle | -159.6% | -97.3% | -104.7% | -150.9% | -95.8% | -32.4% | 2.6% | 2.7% |
| Marge Nette | -159.6% | -97.3% | -104.7% | -150.9% | -95.8% | -32.4% | 2.6% | 2.7% |
Entreprises liées: ASIC · BOW · CSWC · HRZN · MFIC · OBK · PRA
Explorer le secteur: Financial Services · Insurance - Property & Casualty
Plus de sections de ROOT: Vue d'ensemble · Valorisation · Statistiques · Estimations · Technique · Actionnariat · Actualités · Événements
Découvrir plus: Radar — signaux d'actions sous-évaluées · Académie d'Investissement — apprenez à analyser les actions