Root, Inc. (ROOT)

Root, Inc. Income Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Premiums Earned	1,402	1,071	399.9	285.9	310.3
Investment Income	33.7	35.9	30.2	6.2	5
Net Gains on Investments	-	-	-	0.5	2.4
Total Other Revenues	81.7	69.7	24.9	18.2	27.7
Revenue	1,517	1,177	455	310.8	345.4
Revenue Growth (YoY)	28.95%	158.57%	46.40%	-10.02%	-0.40%
Insurance Benefits & Claims	-924.2	-733	-331.3	-351	-392.3
Policy Amortization Costs	-174.8	-135.8	-49.3	-48	-270.2
Other Operating Expenses	-356.3	-229.2	-175.7	-174.9	-168.1
Operating Income	61.8	78.5	-101.3	-263.1	-485.2
Interest Expense	21	42.2	46.1	-34.6	-20
Other Non-Operating Income (Expense)	-	5.4	-	-	-15.9
Total Non-Operating Income (Expense)	21	47.6	46.1	-34.6	-35.9
Pretax Income	40.8	30.9	-147.4	-297.7	-521.1
Provision for Income Taxes	0.5	-	-	-	-
Net Income	38.3	29.2	-147.4	-297.7	-521.1
Net Income Attributable to Preferred Dividends	-2	-1.7	-	-	-
Net Income to Common	38.3	29.2	-147.4	-297.7	-521.1
Net Income Growth	31.16%	-	-	-	-
Shares Outstanding (Basic)	15	15	14	14	14
Shares Outstanding (Diluted)	17	17	14	14	14
Shares Change (YoY)	1.18%	17.36%	2.13%	2.17%	228.57%
EPS (Basic)	2.49	1.96	-10.24	-21.11	-37.76
EPS (Diluted)	2.36	1.83	-10.24	-21.11	-37.76
EPS Growth	28.96%	-	-	-	-
Free Cash Flow	206.5	195.3	-33.8	-210.6	-408
Free Cash Flow Growth	5.73%	-	-	-	-
Free Cash Flow Per Share	12.08	11.56	-2.35	-14.94	-29.57
Operating Margin	4.07%	6.67%	-22.26%	-84.65%	-140.47%
Profit Margin	2.66%	2.63%	-32.40%	-95.79%	-150.87%
FCF Margin	13.61%	16.60%	-7.43%	-67.76%	-118.12%
EBITDA	73.6	93.4	-88.7	-249.3	-468.6
EBITDA Margin	4.85%	7.94%	-19.49%	-80.21%	-135.67%
EBIT	61.8	78.5	-101.3	-263.1	-485.2
EBIT Margin	4.07%	6.67%	-22.26%	-84.65%	-140.47%
Effective Tax Rate	1.23%	0.00%	0.00%	0.00%	0.00%

Updated Dec 31, 2025. Data Source: Fiscal.ai. Insurance template. Financial Sources.

SEC Filings: 10-K · 10-Q