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Side-by-side financial comparison of H2O AMERICA (HTO) and Root, Inc. (ROOT). Click either name above to swap in a different company.
Root, Inc. is the larger business by last-quarter revenue ($397.0M vs $199.4M, roughly 2.0× H2O AMERICA). On growth, Root, Inc. posted the faster year-over-year revenue change (21.5% vs 1.5%). Over the past eight quarters, Root, Inc.'s revenue compounded faster (24.8% CAGR vs 15.3%).
H2O Wireless is a United States-based prepaid cell phone service, that utilizes the AT&T network. It is a brand of the mobile virtual network operator (MVNO) Locus Telecommunications, a subsidiary of Telrite Holdings, Inc., since 2019. Locus was formerly a subsidiary of KDDI America corporation, starting in 2010. H2O Wireless is primarily advertised as a non-restrictive phone service for customers to bring or buy unlocked smartphones, although AT&T contract/locked phones may be accepted as well.
Root Insurance Company is an online car insurance company operating in the United States.
HTO vs ROOT — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $199.4M | $397.0M |
| Net Profit | $16.2M | — |
| Gross Margin | — | — |
| Operating Margin | 16.6% | 2.6% |
| Net Margin | 8.1% | — |
| Revenue YoY | 1.5% | 21.5% |
| Net Profit YoY | -29.2% | — |
| EPS (diluted) | $0.45 | $0.35 |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q4 25 | $199.4M | $397.0M | ||
| Q3 25 | $243.5M | $387.8M | ||
| Q2 25 | $197.8M | $382.9M | ||
| Q1 25 | $164.9M | $349.4M | ||
| Q4 24 | $196.5M | $326.7M | ||
| Q3 24 | $216.7M | $305.7M | ||
| Q2 24 | $173.1M | $289.2M | ||
| Q1 24 | $150.0M | $254.9M |
| Q4 25 | $16.2M | — | ||
| Q3 25 | $45.1M | $-5.4M | ||
| Q2 25 | $24.7M | $22.0M | ||
| Q1 25 | $16.6M | $18.4M | ||
| Q4 24 | $22.9M | — | ||
| Q3 24 | $38.7M | $22.8M | ||
| Q2 24 | $20.7M | $-7.8M | ||
| Q1 24 | $11.7M | $-6.2M |
| Q4 25 | 16.6% | 2.6% | ||
| Q3 25 | 26.5% | 0.1% | ||
| Q2 25 | 22.2% | 7.1% | ||
| Q1 25 | 21.8% | 6.8% | ||
| Q4 24 | 22.2% | 10.7% | ||
| Q3 24 | 26.9% | 11.3% | ||
| Q2 24 | 23.4% | 1.3% | ||
| Q1 24 | 18.6% | 2.1% |
| Q4 25 | 8.1% | — | ||
| Q3 25 | 18.5% | -1.4% | ||
| Q2 25 | 12.5% | 5.7% | ||
| Q1 25 | 10.0% | 5.3% | ||
| Q4 24 | 11.7% | — | ||
| Q3 24 | 17.8% | 7.5% | ||
| Q2 24 | 12.0% | -2.7% | ||
| Q1 24 | 7.8% | -2.4% |
| Q4 25 | $0.45 | $0.35 | ||
| Q3 25 | $1.27 | $-0.35 | ||
| Q2 25 | $0.71 | $1.29 | ||
| Q1 25 | $0.49 | $1.07 | ||
| Q4 24 | $0.70 | $1.42 | ||
| Q3 24 | $1.17 | $1.35 | ||
| Q2 24 | $0.64 | $-0.52 | ||
| Q1 24 | $0.36 | $-0.42 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $20.7M | $669.3M |
| Total DebtLower is stronger | $1.9B | $200.3M |
| Stockholders' EquityBook value | $1.5B | $284.3M |
| Total Assets | $5.1B | $1.7B |
| Debt / EquityLower = less leverage | 1.23× | 0.70× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $20.7M | $669.3M | ||
| Q3 25 | $11.3M | $653.3M | ||
| Q2 25 | $19.8M | $641.4M | ||
| Q1 25 | $23.7M | $609.4M | ||
| Q4 24 | $11.1M | $599.3M | ||
| Q3 24 | $4.0M | $674.8M | ||
| Q2 24 | $22.8M | $667.2M | ||
| Q1 24 | $4.5M | $640.5M |
| Q4 25 | $1.9B | $200.3M | ||
| Q3 25 | — | $200.4M | ||
| Q2 25 | — | $200.1M | ||
| Q1 25 | — | $200.0M | ||
| Q4 24 | $1.7B | $200.1M | ||
| Q3 24 | — | $300.9M | ||
| Q2 24 | — | $300.1M | ||
| Q1 24 | — | $299.3M |
| Q4 25 | $1.5B | $284.3M | ||
| Q3 25 | $1.5B | $265.0M | ||
| Q2 25 | $1.5B | $244.5M | ||
| Q1 25 | $1.4B | $228.7M | ||
| Q4 24 | $1.4B | $203.7M | ||
| Q3 24 | $1.3B | $181.9M | ||
| Q2 24 | $1.3B | $151.3M | ||
| Q1 24 | $1.2B | $165.7M |
| Q4 25 | $5.1B | $1.7B | ||
| Q3 25 | $5.0B | $1.6B | ||
| Q2 25 | $4.8B | $1.6B | ||
| Q1 25 | $4.7B | $1.6B | ||
| Q4 24 | $4.7B | $1.5B | ||
| Q3 24 | $4.6B | $1.6B | ||
| Q2 24 | $4.4B | $1.5B | ||
| Q1 24 | $4.4B | $1.4B |
| Q4 25 | 1.23× | 0.70× | ||
| Q3 25 | — | 0.76× | ||
| Q2 25 | — | 0.82× | ||
| Q1 25 | — | 0.87× | ||
| Q4 24 | 1.26× | 0.98× | ||
| Q3 24 | — | 1.65× | ||
| Q2 24 | — | 1.98× | ||
| Q1 24 | — | 1.81× |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | $63.5M | $206.5M |
| Free Cash FlowOCF − Capex | — | — |
| FCF MarginFCF / Revenue | — | — |
| Capex IntensityCapex / Revenue | — | 0.0% |
| Cash ConversionOCF / Net Profit | 3.92× | — |
| TTM Free Cash FlowTrailing 4 quarters | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $63.5M | $206.5M | ||
| Q3 25 | $77.3M | $57.6M | ||
| Q2 25 | $60.8M | $52.0M | ||
| Q1 25 | $43.2M | $26.8M | ||
| Q4 24 | $41.5M | $195.7M | ||
| Q3 24 | $53.5M | $49.4M | ||
| Q2 24 | $49.3M | $62.6M | ||
| Q1 24 | $51.2M | $14.5M |
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | $195.3M | ||
| Q3 24 | — | — | ||
| Q2 24 | — | $62.4M | ||
| Q1 24 | — | $14.3M |
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 59.8% | ||
| Q3 24 | — | — | ||
| Q2 24 | — | 21.6% | ||
| Q1 24 | — | 5.6% |
| Q4 25 | — | 0.0% | ||
| Q3 25 | — | 0.0% | ||
| Q2 25 | — | 0.0% | ||
| Q1 25 | — | 0.0% | ||
| Q4 24 | — | 0.1% | ||
| Q3 24 | — | 0.0% | ||
| Q2 24 | — | 0.1% | ||
| Q1 24 | — | 0.1% |
| Q4 25 | 3.92× | — | ||
| Q3 25 | 1.71× | — | ||
| Q2 25 | 2.47× | 2.36× | ||
| Q1 25 | 2.61× | 1.46× | ||
| Q4 24 | 1.81× | — | ||
| Q3 24 | 1.39× | 2.17× | ||
| Q2 24 | 2.38× | — | ||
| Q1 24 | 4.38× | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
HTO
| Water Utility Services | $191.0M | 96% |
| Other | $8.4M | 4% |
ROOT
Segment breakdown not available.
