ROOT - NASDAQ
Root, Inc.
$52.55
-5.7%Root, Inc. provides insurance products and services in the United States. The company offers automobile, homeowners, and renters insurance products. The company operates a direct-to-consumer model and serves customers primarily through mobile applications, as well as through its website. Its direct distribution channels also cover digital, media, and referral channels, as well as distribution partners and agencies. The company was incorporated in 2015 and is headquartered in Columbus, Ohio.
At a Glance
Live SnapshotRoot, Inc. Funding & Solvency Profile
Financial Health Analysis
Current Ratio
Excellent liquidity position. The company can easily cover its short-term obligations with substantial cushion.
Debt-to-Equity Ratio
High financial leverage. Heavy reliance on debt may indicate increased financial risk and potential solvency concerns.
Working Capital
Strong working capital position provides significant operational flexibility and financial cushion.
Asset Composition
Asset-light business model with high liquidity. Majority of assets are easily convertible to cash.
Financial Health Insight
Mixed signals: Strong short-term liquidity provides comfort, but high overall leverage requires careful monitoring of debt servicing capabilities and refinancing risk.
Root, Inc. Balance Sheet
ROOT • NASDAQ
| Root, Inc. Balance Sheet | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 | Dec 2019 | Dec 2018 |
|---|---|---|---|---|---|---|---|---|
ASSETS | ||||||||
CURRENT ASSETS | ||||||||
689.9M | 600.3M | 679.7M | 763.1M | 707M | 1.1B | 391.7M | 122.3M | |
0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 224M | 122.8M | 20.2M | |
689.9M | 600.3M | 679.7M | 763.1M | 707M | 1.3B | 514.5M | 142.5M | |
332.8M | 305.3M | 247.1M | 111.9M | 148.1M | 254.9M | 0.0 | 0.0 | |
332.8M | 305.3M | 247.1M | 111.9M | 148.1M | 254.9M | 148M | 51.1M | |
0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | -172.6M | |
0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 112.8M | 0.0 | 0.0 | |
0.0 | 0.0 | 0.0 | 0.0 | 0.0 | -1.7B | 0.0 | 0.0 | |
1B | 905.6M | 926.8M | 875M | 855.1M | 0.0 | 662.5M | 193.6M | |
NON-CURRENT ASSETS | ||||||||
3.2M | 4.4M | 6.3M | 9.8M | 5.1M | 8.9M | 10.2M | 3.8M | |
27.6M | 22M | 19.2M | 16.3M | 8.9M | 9.6M | 6.6M | 1.5M | |
27.6M | 22M | 19.2M | 16.3M | 8.9M | 9.6M | 6.6M | 1.5M | |
391.4M | 311.2M | 171.2M | 133.2M | 134.6M | 224M | 122.8M | 20.2M | |
0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 126.4M | 22.5M | |
93.5M | 76.8M | 50.7M | 55.6M | 59.8M | -242.5M | -133M | -24M | |
515.7M | 414.4M | 247.4M | 214.9M | 208.4M | 0.0 | 133M | 24M | |
0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1.8B | -66.9M | -1.6M | |
1.5B | 1.3B | 1.2B | 1.1B | 1.1B | 1.8B | 728.6M | 216M | |
LIABILITIES | ||||||||
CURRENT LIABILITIES | ||||||||
0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 137.1M | 55.5M | 30.1M | |
0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 137.1M | 55.5M | 30.1M | |
0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 10.2M | 0.0 | 0.0 | |
2.3M | 2.2M | 3M | 3.2M | 4.3M | 0.0 | 0.0 | 10M | |
387.4M | 328.8M | 235.5M | 62.3M | 79.3M | 0.0 | -44M | -6.9M | |
0.0 | 0.0 | 0.0 | 0.0 | 0.0 | -147.3M | -55.5M | -40.1M | |
389.7M | 331M | 238.5M | 65.5M | 83.6M | 0.0 | 55.5M | 40.1M | |
NON-CURRENT LIABILITIES | ||||||||
197M | 196.3M | 291.1M | 288.1M | 0.0 | 188.2M | 91.8M | 4.9M | |
553.4M | 473.2M | 361.7M | 339.9M | 321.7M | -188.2M | -91.8M | -4.9M | |
752.4M | 673.3M | 658M | 635.3M | 331.5M | 0.0 | 171M | 4.9M | |
0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 729.9M | 876.1M | 273.7M | |
2M | 3.8M | 5.2M | 7.3M | 9.8M | 0.0 | 0.0 | 0.0 | |
1.1B | 1B | 896.5M | 700.8M | 415.1M | 729.9M | 1.1B | 318.7M | |
SHAREHOLDERS' EQUITY | ||||||||
0.0 | 0.0 | 0.0 | 0.0 | 0.0 | -800K | -100K | -100K | |
112M | 112M | 112M | 112M | 112M | 0.0 | 0.0 | 189.6M | |
1.9B | 1.9B | 1.9B | 1.9B | 1.8B | 1.8B | 10.5M | 100K | |
-1.6B | -1.7B | -1.7B | -1.6B | -1.3B | -748M | -385M | -102.6M | |
3.9M | -2.3M | -2.5M | -5.8M | 400K | 5.6M | 600K | 0.0 | |
0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | -560.4M | -189.6M | |
396.3M | 315.7M | 277.7M | 389.1M | 648.4M | 1B | -374M | -102.7M | |
396.3M | 315.7M | 277.7M | 389.1M | 648.4M | 1B | -374M | -102.7M | |
SUMMARY | ||||||||
1.5B | 1.3B | 1.2B | 1.1B | 1.1B | 1.8B | 728.6M | 216M | |
391.4M | 311.2M | 171.2M | 133.2M | 134.6M | 224.5M | 122.8M | 20.2M | |
201.3M | 202.3M | 299.3M | 298.6M | 14.1M | 188.2M | 171M | 14.9M | |
-488.6M | -398M | -380.4M | -464.5M | -692.9M | -924.6M | -220.7M | -107.4M | |
13,702,700 | 13,702,700 | 13,702,700 | 13,702,700 | 13,702,700 | 13,702,700 | 13,702,700 | 13,702,700 |
SEC Filings
ROOT - Filing history and reports
| Filing Type | Filing Date | Period Ending | Fiscal Year | Actions |
|---|---|---|---|---|
10-Q 10-Q 2026 Q1 Q1 | May 06, 2026 | March 31, 2026 | 2026 | |
8-K 8-K 2026 N/A | May 06, 2026 | May 04, 2026 | 2026 | |
DEF 14A DEF 14A 2026 N/A | April 24, 2026 | June 03, 2026 | 2026 | |
10-K 10-K 2025 FY FY | February 25, 2026 | December 31, 2025 | 2025 | |
8-K 8-K 2026 N/A | February 25, 2026 | February 25, 2026 | 2026 | |
8-K 8-K 2025 N/A | November 05, 2025 | November 05, 2025 | 2025 | |
10-Q 10-Q 2025 Q3 Q3 | November 05, 2025 | September 30, 2025 | 2025 | |
8-K 8-K 2025 N/A | August 06, 2025 | August 06, 2025 | 2025 | |
10-Q 10-Q 2025 Q2 Q2 | August 06, 2025 | June 30, 2025 | 2025 | |
8-K 8-K 2025 N/A | June 06, 2025 | June 04, 2025 | 2025 |
Related Guides
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Research Paths
Snapshot
Start with context, operating signals, and key market metrics.
Value Model
Stress test fair value across bear, base, and bull assumptions.
Statements
Validate revenue quality, margins, and balance sheet durability.
Earnings Call
Read management commentary and compare it with reported outcomes.
Dividends
Check payout sustainability and long-term distribution behavior.
Analyst Expectations
Review consensus spread and where estimate risk is concentrated.