Root, Inc. (ROOT)

Net Premiums Written

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018
Period Ending	Mar 31, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019	Dec 31, 2018
Direct Premiums Written	1.21B	1.22B	1.06B
Direct Premiums Written Growth	-1.25%	14.99%	57.81%
Assumed Premiums Written	275.10M	281.60M	236.50M
Assumed Premiums Written Growth	-2.31%	19.07%	117.97%
Ceded Premiums Written	-32.20M	-45.40M	-137.00M

Net Premiums Earned

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018
Period Ending	Mar 31, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019	Dec 31, 2018
Direct Premiums Earned	1.21B	1.19B	1.01B
Direct Premiums Earned Growth	1.72%	18.05%	78.93%
Assumed Premiums Earned	278.20M	272.80M	220.20M
Assumed Premiums Earned Growth	1.98%	23.89%	210.58%
Ceded Premiums Earned	-47.80M	-64.30M	-160.10M

Revenue

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018
Period Ending	Mar 31, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019	Dec 31, 2018
Net Premiums Earned	1.44B	1.40B	1.07B
Net Premiums Earned Growth	3.02%	30.89%	167.79%
Net Investment Income	33.70M	33.70M	35.90M
Net Investment Income Growth	-	-6.13%	18.87%
Fee Income	79.90M	78.30M	66.00M
Fee Income Growth	2.04%	18.64%	182.05%
Other Segment Income	3.40M	3.40M	3.70M
Other Segment Income Growth	-	-8.11%	146.67%
Fee and Other Segment Income	83.30M	81.70M	69.70M
Fee and Other Segment Income Growth	1.96%	17.22%	179.92%
Revenue (Other)	100.00K	-	-
Revenue (Total)	1.56B	1.52B	1.18B
Revenue (Total) Growth	2.91%	28.95%	158.57%

Key Performance Indicators

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018
Period Ending	Mar 31, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019	Dec 31, 2018
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	495.43B	481.87B	414.86B
Policies In Force Growth	2.81%	16.15%	21.39%
Premiums Per Policy	1.51K	1.53K	1.58K
Premiums Per Policy Growth	-1.63%	-3.35%	11.31%
Premiums In Force	1.49B	1.48B	1.31B
Premiums In Force Growth	1.13%	12.26%	35.12%

Updated May 6, 2026. Data Source: Fiscal.ai.