Root, Inc. (ROOT)
NASDAQ: ROOT · Real-Time Price · USD
43.63
-0.34 (-0.77%)
At close: Nov 12, 2026, 4:00 PM EST
44.04
+0.41 (0.94%)
After-hours: Nov 12, 2026, 7:52 PM EST
Root, Inc. Cash Flow Statement
Financials in millions USD. Fiscal year is January - December.
Millions USD. Fiscal year is Jan - Dec.
Operating Activities
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 Income | 77.2 | 38.3 | 29.2 | -147.4 | -297.7 | -521.1 |
Depreciation & Amortization | 5 | 3.2 | 5.9 | 5.9 | 7.1 | 12.9 |
Other Amortization | 8.5 | 8.5 | 8.6 | 6.3 | 5 | 3.7 |
Gain (Loss) on Sale of Investments | 4.8 | - | - | - | -0.5 | -6.2 |
Stock-Based Compensation | 38.6 | 40.1 | 18.5 | 17.3 | 30.5 | 19.3 |
Change in Accounts Receivable | -15.4 | -64.2 | -92.3 | -147.7 | 18.8 | -39.7 |
Reinsurance Recoverable | 38 | 20.8 | -24.8 | 21.9 | 6.2 | -30.4 |
Change in Accounts Payable | -12.4 | 2.7 | 1.3 | 27.7 | 17.9 | -19.2 |
Change in Unearned Revenue | -23.8 | 39.8 | 70.2 | 147.2 | -43.6 | 23 |
Change in Insurance Reserves / Liabilities | 30.2 | 70.4 | 129 | -3.2 | -32.8 | 83 |
Change in Other Net Operating Assets | 26.9 | 19.3 | 26.8 | 72.2 | 27.6 | 23.1 |
Other Operating Activities | 16.1 | 21.2 | 10.9 | 17.1 | 13.6 | 14.8 |
Operating Cash Flow | 184.2 | 206.5 | 195.7 | -33.6 | -210.6 | -403.4 |
Operating Cash Flow Growth | -10.41% | 5.52% | - | - | - | - |
Investing Activities
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 |
Capital Expenditures | -1.1 | - | -0.4 | -0.2 | - | -4.6 |
Purchase / Sale of Intangible Assets | -14.7 | -14.1 | -11.4 | -9.2 | -10.1 | -6.6 |
Investment in Securities | -96.7 | -77.6 | -142.6 | -36.3 | -6.5 | 88.1 |
Investing Cash Flow | -112.5 | -91.7 | -154.4 | -45.7 | -16.6 | 76.9 |
Financing Activities
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 |
Long-Term Debt Issued | - | - | 134.4 | - | 286 | - |
Total Debt Repaid | -202.6 | - | -237.1 | - | - | -199.5 |
Net Debt Issued (Repaid) | -4.9 | - | -102.7 | - | 286 | -199.5 |
Issuance of Common Stock | - | 0.3 | 0.1 | - | 1.3 | 3.2 |
Repurchases of Common Stock | -49.6 | -25.5 | -15.1 | -1.1 | -1 | - |
Issuance of Preferred Stock | - | - | - | - | - | 126.5 |
Other Financing Activities | - | - | -3 | -3 | -3 | -10.5 |
Financing Cash Flow | -54.5 | -25.2 | -120.7 | -4.1 | 283.3 | -80.3 |
Net Cash Flow
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 Cash Flow | 17.2 | 89.6 | -79.4 | -83.4 | 56.1 | -406.8 |
Free Cash Flow
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 |
Free Cash Flow | 183.1 | 206.5 | 195.3 | -33.8 | -210.6 | -408 |
Free Cash Flow Growth | -10.94% | 5.73% | - | - | - | - |
Free Cash Flow Margin | 11.73% | 13.61% | 16.60% | -7.43% | -67.76% | -118.12% |
Free Cash Flow Per Share | 10.76 | 12.08 | 11.56 | -2.35 | -14.94 | -29.57 |
Levered Free Cash Flow | 125.66 | 83.06 | 23.81 | -43.13 | -82.84 | -307.65 |
Unlevered Free Cash Flow | 136.79 | 96.19 | 50.19 | -14.31 | -61.21 | -295.15 |
Additional Metrics
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 |
Cash Interest Paid | 20.7 | 20.7 | 43.9 | 42.5 | 24.5 | 23.9 |
Cash Income Tax Paid | 0.6 | 0.6 | - | - | - | - |
Change in Working Capital | -5.3 | 58.4 | 88.6 | 52.7 | 12.3 | 52.3 |