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. Cash Conversion Engine
Cash Flow Quality Analysis
FCF Conversion Rate
Excellent cash generation. The company converts earnings to cash at or above 100%, indicating high-quality earnings.
CapEx Intensity
Asset-light business model. Low capital requirements leave more cash available for shareholders and growth investments.
FCF Growth Trend
Flat FCF growth. Stable but not expanding—monitor for signs of business maturity or temporary headwinds.
Working Capital Impact
Working capital inflow boosted cash flow. Efficient management of receivables, inventory, and payables contributing positively.
Cash Flow Quality Insight
Asset-light with strong cash conversion: Low capital requirements combined with efficient cash generation creates significant shareholder value through dividends, buybacks, or strategic investments.
Root, Inc. Cash Flow Statement
ROOT • NASDAQ
| Root, Inc. Cash Flow Statement | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 | Dec 2019 | Dec 2018 |
|---|---|---|---|---|---|---|---|---|
OPERATING ACTIVITIES | ||||||||
40.3M | 30.9M | -147.4M | -297.7M | -521.1M | -363M | -282.4M | -69.1M | |
11.8M | 14.9M | 12.6M | 13.8M | 16.6M | 15.6M | 4.9M | 600K | |
40.1M | 22.3M | 34.7M | 45M | 28.1M | 3.7M | 1.4M | 100K | |
55.9M | 39M | 13.8M | 16M | 20.7M | 112.2M | 29.6M | 300K | |
(600K) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | |
58.4M | 88.6M | 52.7M | 12.3M | 52.3M | -55.7M | 119.3M | 42M | |
206.5M | 195.7M | -33.6M | -210.6M | -403.4M | -287.2M | -127.2M | -26.1M | |
INVESTING ACTIVITIES | ||||||||
-14.1M | -400K | -200K | -10.1M | -4.6M | -1.8M | -6.6M | -1.2M | |
-147.4M | -197.8M | -76M | -47.7M | -17M | -158.4M | -138.1M | -40.3M | |
69.8M | 55.2M | 39.7M | 41.2M | 105.1M | 60.4M | 36.2M | 23.2M | |
0.0 | -11.4M | -9.2M | 0.0 | -6.6M | -14.3M | -5.5M | -2.3M | |
-91.7M | -154.4M | -45.7M | -16.6M | (76.9M) | -114.1M | -114M | -20.6M | |
FINANCING ACTIVITIES | ||||||||
300K | 0.0 | 0.0 | 0.0 | 0.0 | 1.1B | 0.0 | 0.0 | |
0.0 | -102.7M | 0.0 | 286M | -199.5M | -1.5M | 174M | 0.0 | |
(0.0) | (0.0) | (0.0) | (0.0) | (0.0) | -200K | (0.0) | (0.0) | |
-25.5M | -15M | -1.1M | 300K | 3.2M | 2.1M | 11.9M | 100K | |
-25.2M | -120.7M | -4.1M | 283.3M | -80.3M | 1.1B | 535.5M | 150.9M | |
CASH FLOW SUMMARY | ||||||||
89.6M | -79.4M | -83.4M | 56.1M | -406.8M | 697.2M | 294.3M | 104.2M | |
600.3M | 679.7M | 763.1M | 707M | 1.1B | 416.6M | 122.3M | 18.1M | |
689.9M | 600.3M | 679.7M | 763.1M | 707M | 1.1B | 416.6M | 122.3M | |
192.4M | 183.9M | -43M | -220.7M | -414.6M | -303.3M | -139.3M | -29.6M |
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
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Value Model
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Statements
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Earnings Call
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Dividends
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Analyst Expectations
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