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Root, Inc. (ROOT)
NASDAQ: ROOT · Real-Time Price · USD
53.49
+0.70 (1.32%)
Sep 11, 2026, 4:00 PM EDT - Market closed

Net Premiums Written

Millions USD. Fiscal year is Jan - Dec.
Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021FY 2020FY 2019FY 2018
Period Ending
Jun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21 Dec '20 Dec '19 Dec '18
Direct Premiums Written
1.21B1.22B1.06B
Assumed Premiums Written
266.20M281.60M236.50M
Ceded Premiums Written
-22.30M-45.40M-137.00M

Net Premiums Earned

Millions USD. Fiscal year is Jan - Dec.
Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021FY 2020FY 2019FY 2018
Period Ending
Jun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21 Dec '20 Dec '19 Dec '18
Direct Premiums Earned
1.21B1.19B1.01B
Assumed Premiums Earned
274.20M272.80M220.20M
Ceded Premiums Earned
-34.10M-64.30M-160.10M

Revenue

Millions USD. Fiscal year is Jan - Dec.
Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021FY 2020FY 2019FY 2018
Period Ending
Jun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21 Dec '20 Dec '19 Dec '18
Net Premiums Earned
1.45B1.40B1.07B
Net Investment Income
29.30M33.70M35.90M
Fee Income
80.00M78.30M66.00M
Other Segment Income
3.50M3.40M3.70M
Fee and Other Segment Income
83.50M81.70M69.70M
Revenue (Other)
100.00K--
Revenue (Total)
1.57B1.52B1.18B

Key Performance Indicators

Millions USD. Fiscal year is Jan - Dec.
Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021FY 2020FY 2019FY 2018
Period Ending
Jun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21 Dec '20 Dec '19 Dec '18
Net Loss and LAE Ratio
-65.90%68.50%
Net Expense Ratio
-32.30%27.90%
Net Combined Ratio
-98.20%96.40%
Gross Loss Ratio
-58.00%58.90%
Gross LAE Ratio
-7.10%8.60%
Gross Expense Ratio
-32.00%27.20%
Gross Combined Ratio
-97.10%94.70%
Renewal Premium as Percent of Gross Premiums Earned
--49.00%
Policies In Force
483.92K481.87K414.86K
Premiums Per Policy
1.48K1.53K1.58K
Premiums In Force
1.43B1.48B1.31B