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Root, Inc. (ROOT)
NASDAQ: ROOT · Real-Time Price · USD
53.92
-1.55 (-2.79%)
Apr 23, 2026, 2:21 PM EDT - Market open

Root, Inc. Income Statement

Millions USD. Fiscal year is Jan - Dec.
Fiscal Year
FY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Net Premiums Earned
1,4021,071399.9285.9310.3
Investment Income
33.735.930.26.25
Net Gains on Investments
---0.52.4
Total Other Revenues
81.769.724.918.227.7
Revenue
1,5171,177455310.8345.4
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
61.878.5-101.3-263.1-485.2
Interest Expense
2142.246.1-34.6-20
Other Non-Operating Income (Expense)
-5.4---15.9
Total Non-Operating Income (Expense)
2147.646.1-34.6-35.9
Pretax Income
40.830.9-147.4-297.7-521.1
Provision for Income Taxes
0.5----
Net Income
38.329.2-147.4-297.7-521.1
Net Income Attributable to Preferred Dividends
-2-1.7---
Net Income to Common
38.329.2-147.4-297.7-521.1
Net Income Growth
31.16%----
Shares Outstanding (Basic)
1515141414
Shares Outstanding (Diluted)
1717141414
Shares Change (YoY)
1.18%17.36%2.13%2.17%228.57%
EPS (Basic)
2.491.96-10.24-21.11-37.76
EPS (Diluted)
2.361.83-10.24-21.11-37.76
EPS Growth
28.96%----
Shares Outstanding
15.515.114.514.214.04
Free Cash Flow
206.5195.3-33.8-210.6-408
Free Cash Flow Growth
5.73%----
Free Cash Flow Per Share
12.0811.56-2.35-14.94-29.57
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
73.693.4-88.7-249.3-468.6
EBITDA Margin
4.85%7.94%-19.49%-80.21%-135.67%
EBIT
61.878.5-101.3-263.1-485.2
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