Root, Inc. (ROOT)

NASDAQ: ROOT · Real-Time Price · USD

43.82

+0.30 (0.69%)

At close: Nov 10, 2026, 4:00 PM EST

44.79

+0.97 (2.22%)

Pre-market: Nov 11, 2026, 5:36 AM EST

Root, Inc. Financials Overview

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

Millions USD. Fiscal year is Jan - Dec.

Revenue & Profits

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Revenue	1,561	1,517	1,177	455	310.8	345.4
Revenue Growth	7.89%	28.95%	158.57%	46.40%	-10.02%	-0.40%
Operating Income	104.3	61.9	78.7	-90.1	-244.5	-485.2
Net Income	77.2	38.3	29.2	-147.4	-297.7	-521.1
Earnings Per Share	4.75	2.36	1.83	-10.24	-21.11	-37.76
EPS Growth	42.24%	28.96%	-	-	-	-

Revenue by Segment

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Net Premiums Earned	1,447	1,402	1,071	399.9	285.9	310.3
Net Investment Income	30.5	33.7	35.9	30.2	6.2	5
Fee Income	80.4	78.3	66	23.4	16.5	20.9
Other Segment Income	3.2	3.4	3.7	1.5	1.7	6.8
Revenue (Total)	1,561	1,517	1,177	455	310.8	345.4

Cash & Debt

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Cash & Investments	596.3	669.3	599.3	678.7	762.1	706
Total Debt	197.5	204.6	206.1	307.2	305.9	14.1
Net Cash (Debt)	398.8	464.7	393.2	371.5	456.2	691.9
Net Cash Growth	-11.95%	18.18%	5.84%	-18.57%	-34.07%	-25.17%
Net Cash Per Share	23.42	27.18	23.27	25.80	32.35	50.14

Cash Flow & CapEx

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Operating Cash Flow	184.2	206.5	195.7	-33.6	-210.6	-403.4
Capital Expenditures	-1.1	-	-0.4	-0.2	-	-4.6
Free Cash Flow	183.1	206.5	195.3	-33.8	-210.6	-408
Free Cash Flow Growth	-10.94%	5.73%	-	-	-	-

Margins

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Operating Margin	6.68%	4.08%	6.69%	-19.80%	-78.67%	-140.47%
Pretax Margin	5.23%	2.69%	2.63%	-32.40%	-95.79%	-150.87%
Profit Margin	4.95%	2.53%	2.48%	-32.40%	-95.78%	-150.87%
FCF Margin	11.73%	13.61%	16.60%	-7.43%	-67.76%	-118.12%

Valuation

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Nov '26 Nov 11, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
PE Ratio	9.22	29.25	37.54	-	-	-
Forward PE	18.55	47.10	-	-	-	-
P/FCF Ratio	3.64	5.43	5.61	-	-	-
PS Ratio	0.43	0.74	0.93	0.33	0.20	2.27