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. 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 | 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 |
Premiums & Annuity Revenue | 1,447 | 1,402 | 1,071 | 399.9 | 285.9 | 310.3 |
Total Interest & Dividend Income | 34.9 | 33.7 | 35.9 | 30.2 | 6.2 | 5 |
Gain (Loss) on Sale of Investments | -4.8 | - | - | - | 0.5 | 2.4 |
Other Revenue | 3.2 | 3.4 | 3.7 | 1.5 | 1.7 | 6.8 |
| 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% |
Policy Benefits | 945.4 | 924.2 | 733 | 331.3 | 351 | 392.3 |
Selling, General & Administrative | 477 | 494.8 | 359.1 | 197.2 | 183.3 | 417.1 |
Other Operating Expenses | - | - | -10.9 | - | -8.8 | 3.4 |
Total Operating Expenses | 1,457 | 1,455 | 1,098 | 545.1 | 555.3 | 830.6 |
Operating Income | 104.3 | 61.9 | 78.7 | -90.1 | -244.5 | -485.2 |
Interest Expense | -17.8 | -21 | -42.2 | -46.1 | -34.6 | -20 |
EBT Excluding Unusual Items | 86.5 | 40.9 | 36.5 | -136.2 | -279.1 | -505.2 |
Merger & Restructuring Charges | - | -0.1 | -0.2 | -11.2 | -18.6 | - |
Other Unusual Items | -4.9 | - | -5.4 | - | - | -15.9 |
Pretax Income | 81.6 | 40.8 | 30.9 | -147.4 | -297.7 | -521.1 |
Income Tax Expense | 0.6 | 0.5 | - | - | - | - |
Earnings From Continuing Ops. | 81 | 40.3 | 30.9 | -147.4 | -297.7 | -521.1 |
Minority Interest in Earnings | -3.8 | -2 | -1.7 | - | - | - |
Net Income | 77.2 | 38.3 | 29.2 | -147.4 | -297.7 | -521.1 |
Net Income to Common | 77.2 | 38.3 | 29.2 | -147.4 | -297.7 | -521.1 |
Net Income Growth | 42.70% | 31.16% | - | - | - | - |
Shares Outstanding (Basic) | 16 | 15 | 15 | 14 | 14 | 14 |
Shares Outstanding (Diluted) | 17 | 17 | 17 | 14 | 14 | 14 |
Shares Change | -0.58% | 1.18% | 17.36% | 2.13% | 2.17% | 228.57% |
EPS (Basic) | 4.96 | 2.49 | 1.96 | -10.24 | -21.11 | -37.76 |
EPS (Diluted) | 4.75 | 2.36 | 1.83 | -10.24 | -21.11 | -37.76 |
EPS Growth | 42.24% | 28.96% | - | - | - | - |
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 |
Free Cash Flow | 183.1 | 206.5 | 195.3 | -33.8 | -210.6 | -408 |
Free Cash Flow Per Share | 10.76 | 12.08 | 11.56 | -2.35 | -14.94 | -29.57 |
Operating Margin | 6.68% | 4.08% | 6.69% | -19.80% | -78.67% | -140.47% |
Profit Margin | 4.95% | 2.53% | 2.48% | -32.40% | -95.78% | -150.87% |
Free Cash Flow Margin | 11.73% | 13.61% | 16.60% | -7.43% | -67.76% | -118.12% |
EBITDA | 109.3 | 65.1 | 84.6 | -84.2 | -237.4 | -472.3 |
EBITDA Margin | 7.00% | 4.29% | 7.19% | -18.50% | -76.38% | -136.74% |
D&A For EBITDA | 5 | 3.2 | 5.9 | 5.9 | 7.1 | 12.9 |
EBIT | 104.3 | 61.9 | 78.7 | -90.1 | -244.5 | -485.2 |
EBIT Margin | 6.68% | 4.08% | 6.69% | -19.80% | -78.67% | -140.47% |
Effective Tax Rate | 0.73% | 1.23% | - | - | - | - |
Revenue as Reported | 1,561 | 1,517 | 1,177 | 455 | 310.8 | 345.4 |