Root, Inc. (ROOT)
NASDAQ: ROOT · Real-Time Price · USD
62.04
-2.32 (-3.60%)
Jul 13, 2026, 11:40 AM EDT - Market open
Root, Inc. Income Statement
Financials in millions USD. Fiscal year is January - December.
Millions USD. Fiscal year is Jan - Dec.
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Mar '26 Mar 31, 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 | 1,444 | 1,402 | 1,071 | 399.9 | 285.9 | 310.3 |
Investment Income | 33.7 | 33.7 | 35.9 | 30.2 | 6.2 | 5 |
Net Gains on Investments | 0.1 | - | - | - | 0.5 | 2.4 |
Total Other Revenues | 83.3 | 81.7 | 69.7 | 24.9 | 18.2 | 27.7 |
| 1,561 | 1,517 | 1,177 | 455 | 310.8 | 345.4 | |
Revenue Growth (YoY) | 22.83% | 28.95% | 158.57% | 46.40% | -10.02% | -0.40% |
Insurance Benefits & Claims | -944.8 | -924.2 | -733 | -331.3 | -351 | -392.3 |
Policy Amortization Costs | -150.6 | -174.8 | -135.8 | -49.3 | -48 | -270.2 |
Other Operating Expenses | -386.8 | -356.3 | -229.2 | -175.7 | -174.9 | -168.1 |
Operating Income | 79 | 61.8 | 78.5 | -101.3 | -263.1 | -485.2 |
Interest Expense | 31.1 | 21 | 42.2 | 46.1 | -34.6 | -20 |
Other Non-Operating Income (Expense) | - | - | 5.4 | - | - | -15.9 |
Total Non-Operating Income (Expense) | 31.1 | 21 | 47.6 | 46.1 | -34.6 | -35.9 |
Pretax Income | 58.5 | 40.8 | 30.9 | -147.4 | -297.7 | -521.1 |
Provision for Income Taxes | 0.7 | 0.5 | - | - | - | - |
Net Income | 57.8 | 40.3 | 30.9 | -147.4 | -297.7 | -521.1 |
Net Income Attributable to Preferred Dividends | -4.4 | -2 | -1.7 | - | - | - |
Net Income to Common | 54.8 | 38.3 | 29.2 | -147.4 | -297.7 | -521.1 |
Net Income Growth | 4.78% | 31.16% | - | - | - | - |
Shares Outstanding (Basic) | 15 | 15 | 15 | 14 | 14 | 14 |
Shares Outstanding (Diluted) | 17 | 17 | 17 | 14 | 14 | 14 |
Shares Change (YoY) | 1.36% | 1.18% | 17.36% | 2.13% | 2.17% | 228.57% |
EPS (Basic) | 3.53 | 2.49 | 1.96 | -10.24 | -21.11 | -37.76 |
EPS (Diluted) | 3.34 | 2.36 | 1.83 | -10.24 | -21.11 | -37.76 |
EPS Growth | 4.38% | 28.96% | - | - | - | - |
Free Cash Flow | 189 | 206.5 | 195.3 | -33.8 | -210.6 | -408 |
Free Cash Flow Growth | -8.48% | 5.73% | - | - | - | - |
Free Cash Flow Per Share | 11.30 | 12.08 | 11.56 | -2.35 | -14.94 | -29.57 |
Operating Margin | 5.06% | 4.07% | 6.67% | -22.26% | -84.65% | -140.47% |
Profit Margin | 3.70% | 2.66% | 2.63% | -32.40% | -95.79% | -150.87% |
FCF Margin | 12.11% | 13.61% | 16.60% | -7.43% | -67.76% | -118.12% |
EBITDA | 91.9 | 73.6 | 93.4 | -88.7 | -249.3 | -468.6 |
EBITDA Margin | 5.89% | 4.85% | 7.94% | -19.49% | -80.21% | -135.67% |
EBIT | 79 | 61.8 | 78.5 | -101.3 | -263.1 | -485.2 |
EBIT Margin | 5.06% | 4.07% | 6.67% | -22.26% | -84.65% | -140.47% |
Effective Tax Rate | 1.20% | 1.23% | 0.00% | 0.00% | 0.00% | 0.00% |