12/ Root $ROOT trades for a P/E of 24, despite growing in one of the least disrupted industries, insurance. Root Insurance is changing auto insurance by using real driving data rather than inaccurate demographic averages, allowing it to price risk more fairly and accurately. This tech-driven model strongly appeals to younger, mobile-first customers and gives Root a structural advantage as usage-based insurance continues gaining adoption across the industry. The company has also made clear progress in improving profitability. By tightening underwriting standards and reducing acquisition costs through strategic partnerships with Carvana and Hyundai. The long-term opportunity remains highly attractive. The US auto insurance market is massive, and even modest market share gains can drive meaningful revenue expansion. As Root continues refining its pricing models and expanding distribution, its data advantage compounds. But the company is already looking to expand to new insurance verticals, further increasing TAM.