Root, Inc. (ROOT)

NASDAQ: ROOT · Real-Time Price · USD

52.09

-0.44 (-0.84%)

At close: Oct 21, 2026, 4:00 PM EDT

52.16

+0.07 (0.13%)

Pre-market: Oct 22, 2026, 4:50 AM EDT

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	Jun '26 Jun 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	1,568	1,517	1,177	455	310.8	345.4
Revenue Growth	14.86%	28.95%	158.57%	46.40%	-10.02%	-0.40%
Operating Income	86.3	61.9	78.7	-90.1	-244.5	-485.2
Net Income	58.2	38.3	29.2	-147.4	-297.7	-521.1
Earnings Per Share	3.58	2.36	1.83	-10.24	-21.11	-37.76
EPS Growth	-24.28%	28.96%	-	-	-	-

Revenue by Segment

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 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	1,455	1,402	1,071	399.9	285.9	310.3
Net Investment Income	29.3	33.7	35.9	30.2	6.2	5
Fee Income	80	78.3	66	23.4	16.5	20.9
Other Segment Income	3.5	3.4	3.7	1.5	1.7	6.8
Revenue (Total)	1,568	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	Jun '26 Jun 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	509.6	669.3	599.3	678.7	762.1	706
Total Debt	197.8	204.6	206.1	307.2	305.9	14.1
Net Cash (Debt)	311.8	464.7	393.2	371.5	456.2	691.9
Net Cash Growth	-29.34%	18.18%	5.84%	-18.57%	-34.07%	-25.17%
Net Cash Per Share	18.23	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	Jun '26 Jun 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	194.5	206.5	195.7	-33.6	-210.6	-403.4
Capital Expenditures	-	-	-0.4	-0.2	-	-4.6
Free Cash Flow	194.5	206.5	195.3	-33.8	-210.6	-408
Free Cash Flow Growth	-1.47%	5.73%	-	-	-	-

Margins

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 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	5.51%	4.08%	6.69%	-19.80%	-78.67%	-140.47%
Pretax Margin	3.96%	2.69%	2.63%	-32.40%	-95.79%	-150.87%
Profit Margin	3.71%	2.53%	2.48%	-32.40%	-95.78%	-150.87%
FCF Margin	12.41%	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	Oct '26 Oct 22, 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	14.55	29.25	37.54	-	-	-
Forward PE	20.85	47.10	-	-	-	-
P/FCF Ratio	4.15	5.43	5.61	-	-	-
PS Ratio	0.51	0.74	0.93	0.33	0.20	2.27