QCR Holdings vs Root

QCR Holdings and Root compare business models, financial performance, and market context. This page provides a neutral overview of each company’s strategy, operations, and market position, helping readers understand how they approach growth, risk, and value creation. Educational content, not financial advice.

About The Companies

QCR Holdings (QCRH)

Root (ROOT)

Root, Inc (NASDAQ: ROOT) is a US insurtech focused on car insurance that uses smartphone telematics and machine learning to assess driving behaviour and set personalised premiums. The company’s digital-first model aims to improve risk selection, lower acquisition costs and scale across personal insurance lines. Investors should watch core metrics such as loss ratios, combined ratios, premium growth and customer acquisition and retention as indicators of underwriting progress and unit economics. Root’s market capitalisation is about $1.23 billion, which reflects both growth potential and execution risk. Key considerations include competitive pricing pressures, regulatory oversight in insurance markets, sensitivity to severe weather and claims frequency, and the challenge of converting technology advantages into sustained profits. This is general educational information, not personal financial advice; stock values can rise or fall and past performance is not a reliable guide to future results.

Comparison Snapshot

Key Financial Metrics

QCRH

Metric

ROOT

$1.46B

Market Cap

$1.26B

3.96%

Potential Profit

19.90%

Buy

Analyst Rating

Hold

Which Baskets Do They Appear In?

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Which Baskets Do They Appear In?

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Investment Analysis

QCR Holdings

QCRH

Pros

QCR Holdings reported strong Q3 2025 results with EPS of $2.17 beating forecasts by 24%, and a 26% EPS increase over the previous quarter.
The company completed digital transformation initiatives that enhance operational efficiency and support future growth.
Analysts have a consensus 'Buy' rating with average price targets implying potential upside of approximately 17-27% over the next 12 months.

Considerations

Despite recent growth, QCR operates in a competitive regional banking market that may limit rapid expansion.
Net interest margin expansion is modest, expected in single-digit basis points, reflecting pressure on profitability margins.
The company faces ongoing risks related to credit quality and portfolio runoff that could complicate the positive outlook.

Root

ROOT

Pros

Root, Inc. is positioned in the insurtech sector, leveraging technology to disrupt traditional auto insurance underwriting and pricing.
The company has demonstrated strong growth in its direct-to-consumer model, gaining market share in a competitive industry.
Root benefits from scalable technology infrastructure which supports broad geographic expansion and customer acquisition efficiency.

Considerations

Root has faced recurring profitability challenges with losses continuing amid heavy investments in growth and technology.
The competitive landscape in insurance tech is intense, with established insurers and other startups vying for market share.
Regulatory risks and the cyclical nature of the insurance industry contribute to earnings volatility and execution uncertainty.

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About The Companies

Comparison Snapshot

Which Baskets Do They Appear In?

Which Baskets Do They Appear In?