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Root, Inc.（ROOT）与Verisk Analytics（VRSK）财务数据对比。点击上方公司名可切换其他公司
Verisk Analytics的季度营收约是Root, Inc.的2.0倍（$778.8M vs $397.0M），Root, Inc.同比增速更快（21.5% vs 5.9%），过去两年Root, Inc.的营收复合增速更高（24.8% vs 5.2%）
Root Inc.旗下的Root保险公司是一家专注于汽车保险的线上保险公司，业务主要运营于美国地区，依托数字化技术为美国车主提供便捷的线上汽车保险服务。
Verisk Analytics是总部位于美国新泽西州泽西市的跨国数据分析与风险评估企业，服务覆盖保险、政府、风险管理等领域，依托自有数据集与行业专业经验，为客户提供反欺诈、精算、保险承保、消防、巨灾与天气风险、数据管理等方向的预测分析及决策支持咨询服务。
ROOT vs VRSK — 直观对比
营收规模更大
VRSK
是对方的2.0倍
$397.0M
营收增速更快
ROOT
高出15.6%
5.9%
两年增速更快
ROOT
近两年复合增速
5.2%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $397.0M | $778.8M |
| 净利润 | — | $197.2M |
| 毛利率 | — | 69.7% |
| 营业利润率 | 2.6% | 40.3% |
| 净利率 | — | 25.3% |
| 营收同比 | 21.5% | 5.9% |
| 净利润同比 | — | -6.3% |
| 每股收益（稀释后） | $0.35 | $1.41 |
绿色 = 该指标领先。财年不对齐时期间可能不同
8季度营收与利润趋势
并排季度历史对比，按日历期对齐，财年错位的公司也能正确匹配
营收ROOTVRSK
| Q4 25 | $397.0M | $778.8M | ||
| Q3 25 | $387.8M | $768.3M | ||
| Q2 25 | $382.9M | $772.6M | ||
| Q1 25 | $349.4M | $753.0M | ||
| Q4 24 | $326.7M | $735.6M | ||
| Q3 24 | $305.7M | $725.3M | ||
| Q2 24 | $289.2M | $716.8M | ||
| Q1 24 | $254.9M | $704.0M |
净利润ROOTVRSK
| Q4 25 | — | $197.2M | ||
| Q3 25 | $-5.4M | $225.5M | ||
| Q2 25 | $22.0M | $253.3M | ||
| Q1 25 | $18.4M | $232.3M | ||
| Q4 24 | — | $210.4M | ||
| Q3 24 | $22.8M | $220.1M | ||
| Q2 24 | $-7.8M | $308.1M | ||
| Q1 24 | $-6.2M | $219.6M |
毛利率ROOTVRSK
| Q4 25 | — | 69.7% | ||
| Q3 25 | — | 70.1% | ||
| Q2 25 | — | 70.3% | ||
| Q1 25 | — | 69.3% | ||
| Q4 24 | — | 68.7% | ||
| Q3 24 | — | 69.2% | ||
| Q2 24 | — | 69.4% | ||
| Q1 24 | — | 67.6% |
营业利润率ROOTVRSK
| Q4 25 | 2.6% | 40.3% | ||
| Q3 25 | 0.1% | 45.0% | ||
| Q2 25 | 7.1% | 45.9% | ||
| Q1 25 | 6.8% | 43.8% | ||
| Q4 24 | 10.7% | 43.0% | ||
| Q3 24 | 11.3% | 42.9% | ||
| Q2 24 | 1.3% | 44.5% | ||
| Q1 24 | 2.1% | 43.7% |
净利率ROOTVRSK
| Q4 25 | — | 25.3% | ||
| Q3 25 | -1.4% | 29.4% | ||
| Q2 25 | 5.7% | 32.8% | ||
| Q1 25 | 5.3% | 30.8% | ||
| Q4 24 | — | 28.6% | ||
| Q3 24 | 7.5% | 30.3% | ||
| Q2 24 | -2.7% | 43.0% | ||
| Q1 24 | -2.4% | 31.2% |
每股收益（稀释后）ROOTVRSK
| Q4 25 | $0.35 | $1.41 | ||
| Q3 25 | $-0.35 | $1.61 | ||
| Q2 25 | $1.29 | $1.81 | ||
| Q1 25 | $1.07 | $1.65 | ||
| Q4 24 | $1.42 | $1.50 | ||
| Q3 24 | $1.35 | $1.54 | ||
| Q2 24 | $-0.52 | $2.15 | ||
| Q1 24 | $-0.42 | $1.52 |
资产负债表与财务实力
最新季度各公司的流动性、杠杆与账面价值一览
| 指标 | | |
|---|---|---|
| 现金及短期投资手头流动性 | $669.3M | $2.2B |
| 总债务越低越好 | $200.3M | $3.2B |
| 股东权益账面价值 | $284.3M | $309.0M |
| 总资产 | $1.7B | $6.2B |
| 负债/权益比越低杠杆越低 | 0.70× | 10.45× |
8季度趋势，按日历期对齐
现金及短期投资ROOTVRSK
| Q4 25 | $669.3M | $2.2B | ||
| Q3 25 | $653.3M | $2.1B | ||
| Q2 25 | $641.4M | $628.7M | ||
| Q1 25 | $609.4M | $1.1B | ||
| Q4 24 | $599.3M | $291.2M | ||
| Q3 24 | $674.8M | $458.0M | ||
| Q2 24 | $667.2M | $632.1M | ||
| Q1 24 | $640.5M | $352.4M |
总债务ROOTVRSK
| Q4 25 | $200.3M | $3.2B | ||
| Q3 25 | $200.4M | $3.2B | ||
| Q2 25 | $200.1M | $3.2B | ||
| Q1 25 | $200.0M | $3.2B | ||
| Q4 24 | $200.1M | $2.5B | ||
| Q3 24 | $300.9M | $2.5B | ||
| Q2 24 | $300.1M | $2.6B | ||
| Q1 24 | $299.3M | $2.9B |
股东权益ROOTVRSK
| Q4 25 | $284.3M | $309.0M | ||
| Q3 25 | $265.0M | $376.7M | ||
| Q2 25 | $244.5M | $311.7M | ||
| Q1 25 | $228.7M | $123.0M | ||
| Q4 24 | $203.7M | $100.1M | ||
| Q3 24 | $181.9M | $299.6M | ||
| Q2 24 | $151.3M | $430.3M | ||
| Q1 24 | $165.7M | $282.2M |
总资产ROOTVRSK
| Q4 25 | $1.7B | $6.2B | ||
| Q3 25 | $1.6B | $6.2B | ||
| Q2 25 | $1.6B | $4.8B | ||
| Q1 25 | $1.6B | $5.1B | ||
| Q4 24 | $1.5B | $4.3B | ||
| Q3 24 | $1.6B | $4.6B | ||
| Q2 24 | $1.5B | $4.8B | ||
| Q1 24 | $1.4B | $4.5B |
负债/权益比ROOTVRSK
| Q4 25 | 0.70× | 10.45× | ||
| Q3 25 | 0.76× | 8.57× | ||
| Q2 25 | 0.82× | 10.37× | ||
| Q1 25 | 0.87× | 26.30× | ||
| Q4 24 | 0.98× | 25.44× | ||
| Q3 24 | 1.65× | 8.50× | ||
| Q2 24 | 1.98× | 5.93× | ||
| Q1 24 | 1.81× | 10.14× |
现金流与资本效率
扣除再投资后实际产生的现金。现金流比净利润更难造假
| 指标 | | |
|---|---|---|
| 经营现金流最新季度 | $206.5M | $343.3M |
| 自由现金流经营现金流 - 资本支出 | — | $276.1M |
| 自由现金流率自由现金流/营收 | — | 35.5% |
| 资本支出强度资本支出/营收 | 0.0% | 8.6% |
| 现金转化率经营现金流/净利润 | — | 1.74× |
| 过去12个月自由现金流最近4个季度 | — | $1.2B |
8季度趋势，按日历期对齐
经营现金流ROOTVRSK
| Q4 25 | $206.5M | $343.3M | ||
| Q3 25 | $57.6M | $403.5M | ||
| Q2 25 | $52.0M | $244.5M | ||
| Q1 25 | $26.8M | $444.7M | ||
| Q4 24 | $195.7M | $263.9M | ||
| Q3 24 | $49.4M | $296.2M | ||
| Q2 24 | $62.6M | $211.7M | ||
| Q1 24 | $14.5M | $372.2M |
自由现金流ROOTVRSK
| Q4 25 | — | $276.1M | ||
| Q3 25 | — | $336.1M | ||
| Q2 25 | — | $188.7M | ||
| Q1 25 | — | $391.0M | ||
| Q4 24 | $195.3M | $208.5M | ||
| Q3 24 | — | $240.7M | ||
| Q2 24 | $62.4M | $153.9M | ||
| Q1 24 | $14.3M | $317.0M |
自由现金流率ROOTVRSK
| Q4 25 | — | 35.5% | ||
| Q3 25 | — | 43.7% | ||
| Q2 25 | — | 24.4% | ||
| Q1 25 | — | 51.9% | ||
| Q4 24 | 59.8% | 28.3% | ||
| Q3 24 | — | 33.2% | ||
| Q2 24 | 21.6% | 21.5% | ||
| Q1 24 | 5.6% | 45.0% |
资本支出强度ROOTVRSK
| Q4 25 | 0.0% | 8.6% | ||
| Q3 25 | 0.0% | 8.8% | ||
| Q2 25 | 0.0% | 7.2% | ||
| Q1 25 | 0.0% | 7.1% | ||
| Q4 24 | 0.1% | 7.5% | ||
| Q3 24 | 0.0% | 7.7% | ||
| Q2 24 | 0.1% | 8.1% | ||
| Q1 24 | 0.1% | 7.8% |
现金转化率ROOTVRSK
| Q4 25 | — | 1.74× | ||
| Q3 25 | — | 1.79× | ||
| Q2 25 | 2.36× | 0.97× | ||
| Q1 25 | 1.46× | 1.91× | ||
| Q4 24 | — | 1.25× | ||
| Q3 24 | 2.17× | 1.35× | ||
| Q2 24 | — | 0.69× | ||
| Q1 24 | — | 1.69× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
