Root, Inc. Cash Flow 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 Income	57.8	40.3	30.9	-147.4	-297.7	-521.1
Depreciation & Amortization	12.9	11.8	14.9	12.6	13.8	16.6
Stock-Based Compensation	44.7	40.1	18.5	17.3	30.5	19.3
Other Adjustments	58.5	55.9	42.8	31.2	30.5	29.5
Changes in Receivables	-27.7	-64.2	-92.3	-147.7	18.8	-39.7
Changes in Reinsurance Contract Assets	39.65	39.6	-1.7	47.9	32.8	-18.4
Changes in Deferred Acquisition Costs	-2.1	-	-	-	-	-
Changes in Accounts Payable	-23.5	-30.4	-21.6	-65.4	18.2	12.5
Changes in Accrued Expenses	-10.3	2.7	1.3	27.7	17.9	-19.2
Changes in Unearned Premiums	-7.9	39.8	70.2	147.2	-43.6	23
Changes in Claims Reserves	54.2	70.4	129	-3.2	-32.8	83
Changes in Other Operating Activities	-12.3	0.5	3.7	46.2	1	11.1
Operating Cash Flow	189	206.5	195.7	-33.6	-210.6	-403.4
Operating Cash Flow Growth	-9.13%	5.52%	-	-	-	-
Capital Expenditures	-	-	-0.4	-0.2	-	-4.6
Purchases of Intangible Assets	-15.6	-14.1	-11.4	-9.2	-9.3	-6.6
Purchases of Investments	-219.6	-147.4	-197.8	-76	-47.7	-17
Proceeds from Sale of Investments	70.7	69.8	55.2	39.7	41.2	105.1
Investing Cash Flow	-164.5	-91.7	-154.4	-45.7	-16.6	76.9
Long-Term Debt Issued	-	-	134.4	-	286	-
Long-Term Debt Repaid	-	-	-237.1	-	-	-199.5
Net Long-Term Debt Issued (Repaid)	-	-	-102.7	-	286	-199.5
Issuance of Common Stock	-	0.3	0.1	-	1.3	3.2
Repurchase of Common Stock	-26.1	-25.5	-15.1	-1.1	-1	-
Net Common Stock Issued (Repurchased)	-26.1	-25.2	-15	-1.1	0.3	3.2
Issuance of Preferred Stock	-	-	-	-	-	126.5
Net Preferred Stock Issued (Repurchased)	-	-	-	-	-	126.5
Other Financing Activities	-	-	-3	-3	-3	-10.5
Financing Cash Flow	-26.1	-25.2	-120.7	-4.1	283.3	-80.3
Net Cash Flow	-1.6	89.6	-79.4	-83.4	56.1	-406.8
Free Cash Flow	189	206.5	195.3	-33.8	-210.6	-408
Free Cash Flow Growth	-8.48%	5.73%	-	-	-	-
FCF Margin	12.11%	13.61%	16.60%	-7.43%	-67.76%	-118.12%
Free Cash Flow Per Share	11.30	12.08	11.56	-2.35	-14.94	-29.57
Levered Free Cash Flow	51.25	102.3	-7.1	68.6	28.4	-699.6
Unlevered Free Cash Flow	74.5	125.04	144.9	114.7	-223	-464.2

SEC Filings: 10-K · 10-Q