Root, Inc.
Root, Inc.
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Financial Statements
Values in Millions ($) | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-12-31 | 2023-09-30 | Subscriber-only column | Subscriber-only column | Subscriber-only column | Subscriber-only column | Financial statements beyond 3 years are for subscribers only. Unlock 17+ years of income statements, balance sheets, and cash flow statements Start 7-day free trial |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Common Class A | - | 14 | 0 | 0 | 2 | 11 | 0 | 0 | 1 | 10 | 0 | 0 | |||||
Common Class B | - | 2 | 0 | -0 | -2 | 4 | 0 | 0 | -1 | 5 | 0 | 0 | |||||
Debt Securities Available For Sale Amortized Cost … | - | - | - | - | - | - | - | 264 | 227 | 211 | 168 | 171 | |||||
Debt Securities Available For Sale Amortized Cost … | - | - | - | - | - | - | - | 9 | 12 | 9 | 1 | 3 | |||||
Assets | |||||||||||||||||
Investments | |||||||||||||||||
Available For Sale Securities Debt Securities Nonc… | - | - | - | - | - | - | - | 266 | 224 | 207 | 166 | 165 | |||||
Available For Sale Securities Debt Securities Curr… | - | - | - | - | - | - | - | 9 | 12 | 9 | 1 | 3 | |||||
Debt Securities Available For Sale Excluding Accru… | 506 | 456 | 387 | 358 | 319 | 313 | 292 | - | - | - | 166 | - | |||||
Debt Securities Available For Sale Excluding Accru… | 11 | 11 | 0 | 0 | 4 | 8 | 15 | - | - | - | 1 | - | |||||
Other Investments | 0 | 4 | 4 | 4 | 4 | 4 | 4 | 4 | 4 | 4 | 4 | 4 | |||||
Investments | 517 | 472 | 391 | 362 | 327 | 325 | 311 | 279 | 240 | 220 | 171 | 172 | |||||
Cash And Cash Equivalents At Carrying Value | 510 | 597 | 669 | 653 | 641 | 609 | 599 | 675 | 667 | 641 | 679 | 635 | |||||
Restricted Cash | - | - | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | |||||
Restricted Cash And Cash Equivalents | 65 | 12 | 21 | - | - | - | 1 | - | - | - | - | - | |||||
Premiums Receivable At Carrying Value | 331 | 351 | 333 | 353 | 341 | 361 | 305 | 309 | 296 | 292 | 247 | 188 | |||||
Reinsurance Recoverables On Paid And Unpaid Losses | 25 | 28 | 130 | 142 | 146 | 158 | 151 | 161 | 157 | 147 | 125 | 138 | |||||
Prepaid Reinsurance Premiums | - | - | 6 | 12 | 15 | 21 | 25 | 38 | 48 | 50 | 48 | 36 | |||||
Deferred Policy Acquisition Costs | 47 | 47 | - | - | - | - | - | - | - | - | - | - | |||||
Other Assets | 87 | 85 | 124 | 119 | 116 | 111 | 103 | 100 | 87 | 81 | 76 | 71 | |||||
Assets | 1,669 | 1,685 | 1,675 | 1,642 | 1,588 | 1,586 | 1,496 | 1,562 | 1,496 | 1,432 | 1,348 | 1,240 | |||||
Liabilities And Stockhold… | |||||||||||||||||
Liabilities | |||||||||||||||||
Unearned Premiums | - | - | - | - | - | - | - | 354 | 340 | 339 | - | 219 | |||||
Long Term Debt | 198 | 200 | 200 | 200 | 200 | 200 | 200 | 301 | 300 | 299 | 299 | 298 | |||||
Reinsurance Payable | - | - | 2 | 12 | 16 | 30 | 33 | 46 | 56 | 54 | 54 | 72 | |||||
Accounts Payable And Accrued Liabilities Current A… | 48 | 43 | 74 | 59 | 52 | 53 | 71 | 64 | 55 | 41 | 66 | 48 | |||||
Other Liabilities | 22 | 23 | 124 | 122 | 123 | 123 | 109 | 110 | 106 | 99 | 83 | 58 | |||||
Liabilities | 1,229 | 1,247 | 1,278 | 1,265 | 1,231 | 1,245 | 1,180 | 1,268 | 1,233 | 1,155 | 1,070 | 951 | |||||
Temporary Equity Carrying Amount Attributable To P… | 112 | 112 | 112 | 112 | 112 | 112 | 112 | 112 | 112 | 112 | 112 | 112 | |||||
Stockholders Equity | |||||||||||||||||
Additional Paid In Capital | 1,910 | 1,931 | 1,922 | 1,908 | 1,884 | 1,892 | 1,888 | 1,884 | 1,882 | 1,890 | 1,883 | 1,875 | |||||
Accumulated Other Comprehensive Income Loss Net Of… | -2 | 0 | 4 | 4 | 2 | 1 | -2 | 2 | -3 | -3 | -3 | -7 | |||||
Retained Earnings Accumulated Deficit | -1,580 | -1,606 | -1,642 | -1,647 | -1,642 | -1,664 | -1,682 | -1,704 | -1,727 | -1,721 | -1,715 | -1,691 | |||||
Stockholders Equity | 328 | 326 | 284 | 265 | 245 | 229 | 204 | 182 | 151 | 166 | 166 | 177 | |||||
Liabilities And Stockholders Equity | 1,669 | 1,685 | 1,675 | 1,642 | 1,588 | 1,586 | 1,496 | 1,562 | 1,496 | 1,432 | 1,348 | 1,240 | |||||
Debt Securities Held To Maturity Excluding Accrued… | - | - | - | 354 | 317 | 312 | - | - | - | - | - | - | |||||
Debt Securities Held To Maturity Excluding Accrued… | - | - | - | 0 | 4 | 8 | - | - | - | - | - | - | |||||
Debt Securities Available For Sale Amortized Cost … | 508 | 456 | 383 | - | - | - | 294 | - | - | - | 168 | - | |||||
Debt Securities Available For Sale Amortized Cost … | 11 | 11 | 0 | - | - | - | 15 | - | - | - | 1 | - | |||||
Premiums Receivable Allowance For Doubtful Account… | 9 | 9 | 9 | 8 | 8 | 7 | 10 | 7 | 7 | 5 | 4 | 3 | |||||
Reinsurance Recoverables Allowance | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 2 | 2 | 2 | 2 | 3 | |||||
Preferred Stock Par Or Stated Value Per Share | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |||||
Preferred Stock Shares Authorized | 100 | 100 | - | 100 | 100 | 100 | - | 100 | 100 | 100 | - | 100 | |||||
Preferred Stock Shares Issued | 14 | 14 | 14 | 14 | 14 | 14 | 14 | 14 | 14 | 14 | 14 | 14 | |||||
Preferred Stock Shares Outstanding | 14 | 14 | 14 | 14 | 14 | 14 | 14 | 14 | 14 | 14 | 14 | 14 | |||||
Preferred Stock Liquidation Preference Value | - | 127 | 127 | 127 | 127 | 127 | 127 | 127 | 127 | 127 | 127 | 127 | |||||
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Interactive Financial Visualizations
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Earnings Market Reaction
| Fiscal Year | Q1 1 Month | Q1 2 Month | Q1 3 Month | Q2 1 Month | Q2 2 Month | Q2 3 Month | Q3 1 Month | Q3 2 Month | Q3 3 Month | Q4 1 Month | Q4 2 Month | Q4 3 Month |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | -5.43% | 1.16% | 5.27% | - | - | - | - | - | - | - | - | - |
| 2025 | -6.39% | -8.35% | -11.67% | -24.75% | -24.46% | -37.76% | -8.93% | -17.54% | -22.42% | -25.37% | -10.46% | -9.36% |
| 2024 | -20.32% | -35.35% | 10.60% | -18.95% | -29.81% | -29.33% | 169.77% | 80.83% | 110.69% | 62.35% | 31.44% | 37.51% |
| 2023 | - | - | - | - | - | - | 10.06% | 22.60% | 0.68% | 510.03% | 670.24% | 636.56% |
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Performance and Valuation Metrics
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Metrics | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-12-31 | 2023-09-30 | Subscriber-only column | Subscriber-only column | Subscriber-only column | Subscriber-only column | Metric history beyond 3 years is for subscribers only. Unlock 17+ years of history across 90+ calculated metrics Start 7-day free trial |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Leverage & Debt | |||||||||||||||||
| Interest Coverage TTM | 2.89 | 2.54 | 1.96 | 0.93 | 1.21 | 0.92 | 0.70 | 0.67 | -0.79 | -1.42 | -2.20 | -3.04 | |||||
Per Share Metrics | |||||||||||||||||
| Diluted EPS TTM | 3.42 | 3.20 | 2.24 | 3.54 | 4.77 | 3.08 | 1.73 | -0.96 | -5.62 | -7.72 | -10.24 | -12.53 | |||||
| Free Cash Flow Per Share TTM | 13.50 | 12.12 | 13.41 | 11.61 | 11.08 | 13.67 | 13.11 | 11.48 | 9.22 | 4.40 | -2.35 | -8.73 | |||||
| Dividend Per Share TTM | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |||||
Margin Metrics | |||||||||||||||||
| Gross Profit Margin TTM | - | - | - | - | - | - | - | - | - | 107.28% | 110.13% | 113.57% | |||||
| Operating Profit Margin TTM | 5.51% | 5.06% | 4.07% | 5.96% | 8.82% | 7.62% | 6.67% | 3.00% | -4.34% | -10.33% | -22.26% | -41.24% | |||||
| Net Profit Margin TTM | 3.71% | 3.52% | 2.52% | 3.77% | 5.98% | 4.16% | 2.48% | -1.56% | -9.81% | -17.61% | -32.40% | -54.81% | |||||
Growth Metrics | |||||||||||||||||
| Net Revenue Growth (1Y) | 14.86% | 22.83% | 28.95% | 38.50% | 59.76% | 98.66% | 158.57% | 215.11% | 194.65% | 116.51% | 46.40% | -0.36% | |||||
| Net Income Growth (1Y) | -28.68% | 3.97% | 31.16% | -434.36% | -197.37% | -146.94% | -119.81% | -91.03% | -58.58% | -56.84% | -50.49% | -47.98% | |||||
| EPS Growth (1Y) | -30.04% | 1.30% | 26.91% | -425.67% | -194.21% | -145.09% | -119.15% | -91.33% | -59.97% | -58.02% | -51.52% | -49.42% | |||||
Valuation Metrics | |||||||||||||||||
| P/E TTM | 15.08 | 12.53 | 29.04 | 25.29 | 24.15 | 38.34 | 37.04 | -34.77 | -9.18 | -7.91 | -1.02 | -0.76 | |||||
| P/B TTM | 2.68 | 2.11 | 3.91 | 5.20 | 8.06 | 8.87 | 5.31 | 3.12 | 5.08 | 5.38 | 0.91 | 0.78 | |||||
| P/S TTM | 0.56 | 0.44 | 0.73 | 0.95 | 1.44 | 1.60 | 0.92 | 0.54 | 0.90 | 1.39 | 0.33 | 0.42 | |||||
| Market Cap | 877.94M | 689.05M | 1.11B | 1.38B | 1.97B | 2.03B | 1.08B | 566.70M | 768.99M | 891.77M | 150.91M | 137.90M | |||||
| Enterprise Value | 500.94M | 280.45M | 622.74M | 924.45M | 1.53B | 1.62B | 681.39M | 191.80M | 400.89M | 549.57M | -229.79M | -200.10M | |||||
Calculated Values | |||||||||||||||||
| Free Cash Flow TTM | 212.00M | 189.00M | 206.50M | 178.80M | 170.60M | 207.80M | 195.30M | 172.20M | 137.40M | 64.20M | -33.80M | -126.60M | |||||
| Net Debt | -377.00M | -408.60M | -489.60M | -454.00M | -442.40M | -410.50M | -400.20M | -374.90M | -368.10M | -342.20M | -380.70M | -338.00M | |||||
Per-Share and Margin | |||||||||||||||||
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| Adjusted EPS TTM | |||||||||||||||||
| Cash Flow Per Share TTM | |||||||||||||||||
| Pretax Margin TTM | |||||||||||||||||
| Stock Comp to Revenue TTM | |||||||||||||||||
Turnover Ratios and Averages | |||||||||||||||||
| Average Assets | |||||||||||||||||
| Average Equity | |||||||||||||||||
| Average Inventory | |||||||||||||||||
| Average Receivables | |||||||||||||||||
| Average Accounts Payables | |||||||||||||||||
| Inventory Turnover TTM | |||||||||||||||||
| Payables Turnover TTM | |||||||||||||||||
| Days Inventory Outstanding TTM | |||||||||||||||||
| Days Payables Outstanding TTM | |||||||||||||||||
| Cash Conversion Cycle TTM | |||||||||||||||||
| Working Capital to Revenue | |||||||||||||||||
| Deferred Revenue to Revenue | |||||||||||||||||
Growth Rates | |||||||||||||||||
| Total Assets Growth (1Y) | |||||||||||||||||
| Total Assets Growth (3Y) | |||||||||||||||||
| Total Assets Growth (5Y) | |||||||||||||||||
| Dividends Paid Growth (1Y) | |||||||||||||||||
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| Dividends Paid Growth (5Y) | |||||||||||||||||
| EPS Growth (3Y) | |||||||||||||||||
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| Net Income Growth (3Y) | |||||||||||||||||
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| Net Profit Margin Growth (1Y) | |||||||||||||||||
| Net Profit Margin Growth (3Y) | |||||||||||||||||
| Net Profit Margin Growth (5Y) | |||||||||||||||||
| Net Revenue Growth (3Y) | |||||||||||||||||
| Net Revenue Growth (5Y) | |||||||||||||||||
| Deferred Revenue Growth (1Y) | |||||||||||||||||
| Retained Earnings Growth (1Y) | |||||||||||||||||
Credit, Liquidity, Returns, Payout | |||||||||||||||||
| Cash Ratio | |||||||||||||||||
| Net Working Capital | |||||||||||||||||
| Debt to EBITDA TTM | |||||||||||||||||
| Net Debt to EBITDA TTM | |||||||||||||||||
| Net Debt to Equity | |||||||||||||||||
| Altman A | |||||||||||||||||
| Altman B | |||||||||||||||||
| Altman C | |||||||||||||||||
| Altman D | |||||||||||||||||
| Altman E | |||||||||||||||||
| Altman Z-Score | |||||||||||||||||
| ROA TTM | |||||||||||||||||
| ROE TTM | |||||||||||||||||
| NOPAT TTM | |||||||||||||||||
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| Effective Tax Rate TTM | |||||||||||||||||
| Payout Ratio TTM | |||||||||||||||||
| Dilution Ratio | |||||||||||||||||
| Retained Earnings to Equity | |||||||||||||||||
| Treasury Stock to Equity | |||||||||||||||||
| Treasury Stock Change (1Y) | |||||||||||||||||
| Accrued to Current Liabilities | |||||||||||||||||
| NCAV | |||||||||||||||||
| NCAV Per Share TTM | |||||||||||||||||
Valuation Ratios | |||||||||||||||||
| P/CF TTM | |||||||||||||||||
| PEG Ratio | |||||||||||||||||
| Dividend Yield TTM | |||||||||||||||||
| Free Cash Flow Yield TTM | |||||||||||||||||
| EV EBITDA TTM | |||||||||||||||||
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| Stock Compensation TTM | |||||||||||||||||
| Adjusted Net Income TTM | |||||||||||||||||
| Billings TTM | |||||||||||||||||
| Total Debt | |||||||||||||||||
| Invested Capital | |||||||||||||||||
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Insider Transactions
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Institutional Ownership
Root, Inc. (ROOT) — SEC Financial Statements & Analysis
Root, Inc. (ROOT) is a fire, marine & casualty insurance company, incorporated in DE. Root, Inc. trades on Nasdaq as: ROOT. Based on its latest SEC filing (Form 10-Q, period ending 2026-06-30), Root, Inc. reported a 14.86% year-over-year revenue growth, a Gross Profit Margin of 107.28% (TTM), a Price-to-Sales (P/S) ratio of 0.56x (TTM), a Price-to-Book (P/B) ratio of 2.68x (TTM), at a market cap of $877.94M. Figures below are sourced from SEC EDGAR, as-filed.
- Net Revenue TTM Growth 1Y
- 14.86%
- Gross Profit Margin TTM
- 107.28%
- P/S TTM
- 0.56x
- P/B TTM
- 2.68x
- Market Cap
- $877.94M
Data as of 2026-06-30 · Source: SEC EDGAR
Frequently Asked Questions
What industry is Root, Inc. in?
Root, Inc. (ROOT) operates in the Fire, Marine & Casualty Insurance industry.
What is ROOT's market cap?
Root, Inc. (ROOT) has a market capitalization of $877.94M as of 2026-06-30.
What is ROOT's P/E ratio?
Root, Inc. (ROOT)'s trailing twelve month P/E ratio is 15.08x as of 2026-06-30.
What exchange does ROOT trade on?
Root, Inc. (ROOT) trades on the Nasdaq.
Where is Root, Inc. incorporated?
Root, Inc. is incorporated in DE.