Is ROOT or SKWD more undervalued in 2026?

CirclFi compares Root, Inc. (ROOT) and Skyward Specialty Insurance Gro (SKWD) using 13 institutional-grade valuation models. ROOT has a Quality of Company score of 7.4/10 while SKWD scores 9.9/10.

Which is a better buy — ROOT or SKWD?

Compare intrinsic values from 13 independent models against current market prices. CirclFi also calculates Value Trap scores. This is not financial advice — conduct your own analysis.

How do ROOT and SKWD valuations compare?

ROOT at $52.50 and SKWD at $44.77 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

ROOT vs SKWD Valuation Comparison 2026 — Intrinsic Value Analysis

ROOT

Insurance - Property & Casualty

Root, Inc.

Quality

7.4

out of 10

Value Trap

SAFE

Price

$52.50

Last close

Models

10/13

Active

SKWD

Insurance - Property & Casualty

Skyward Specialty Insurance Gro

Quality

9.9

out of 10

Value Trap

SAFE

Price

$44.77

Last close

Models

12/13

Active

Model-by-Model Comparison

Model	Type	ROOT Fair Value	ROOT Upside	SKWD Fair Value	SKWD Upside
Bayesian DCF	Intrinsic	$207.95	+296.1%	$180.94	+304.2%
Earnings Power Value	Intrinsic	$87.12	+65.9%	$21.41	-52.2%
EROIC Spread	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
First Chicago	Scenario	$•••.••	••.•%	$•••.••	••.•%
Markov DDM	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
ML-RIV	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
PWERM	Option-Based	$•••.••	••.•%	$•••.••	••.•%
Regime Cross-Sectional	Relative	$•••.••	••.•%	$•••.••	••.•%
Sentiment SOTP	Hybrid	$•••.••	••.•%	$•••.••	••.•%
CUCE Ensemble	Ensemble	$•••.••	••.•%	$•••.••	••.•%
FTNN Topology	Relative	$•••.••	••.•%	$•••.••	••.•%
RCMH-DCF	Intrinsic	$•••.••	••.•%	$•••.••	••.•%

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ROOT vs SKWD — Which Stock Is More Undervalued?

SKWD scores higher with a 9.9/10 quality rating vs ROOT's 7.4/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing Root, Inc. (ROOT) and Skyward Specialty Insurance Gro (SKWD) across 13 institutional-grade valuation models reveals how each company's intrinsic value stacks up against its market price. CirclFi's engine processes SEC EDGAR 10-K and 10-Q filings, FRED macroeconomic data, and GDELT news sentiment to generate independent fair value estimates daily.

ROOT currently trades at $52.50 with a QOC of 7.4/10, while SKWD trades at $44.77 with a QOC of 9.9/10.

Both companies are analyzed with models spanning intrinsic (Bayesian DCF, EPV), scenario-based (First Chicago), regime-switching (Markov DDM, RCMH-DCF), machine learning (ML-RIV, FTNN Topology), and ensemble methods (CUCE).