ROOT - NASDAQ
Root, Inc.
$52.37
-6.0%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. Profit Bridge
Profitability Analysis
Gross Margin
Moderate margins typical of competitive industries. Monitor for pricing pressure or rising costs.
Operating Margin
Minimal operating profit suggests high operating costs or pricing challenges. Scalability is concerning.
Net Profit Margin
Minimal profitability after all expenses. Limited financial flexibility for reinvestment or shareholder returns.
Effective Tax Rate
Below-average tax rate suggests effective tax planning, favorable jurisdictions, or tax credits.
Profitability Insight
Room for improvement: Moderate profitability with opportunities to enhance margins through better cost management or pricing strategy.
Root, Inc. Income Statement
ROOT • NASDAQ
| Root, Inc. Income Statement | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 | Dec 2019 | Dec 2018 |
|---|---|---|---|---|---|---|---|---|
REVENUE | ||||||||
1.5B | 1.2B | 455M | 310.8M | 345.4M | 346.8M | 290.2M | 43.3M | |
GROSS PROFIT | ||||||||
(1.1B) | (839.4M) | (378.9M) | (343M) | (397.3M) | (361M) | (373.7M) | (0.0) | |
386.6M | 337.1M | 76.1M | -32.2M | -51.9M | -14.2M | -83.5M | 43.3M | |
OPERATING INCOME | ||||||||
(345.8M) | (306.2M) | (223.5M) | (265.5M) | (469.2M) | (348.8M) | (198.9M) | (57.8M) | |
(271.7M) | (205.3M) | (132.6M) | (175.4M) | (367.8M) | (218.2M) | (152.6M) | (49.6M) | |
40.8M | 30.9M | -147.4M | -297.7M | -521.1M | -363M | -282.4M | -68.2M | |
PRE-TAX INCOME | ||||||||
(21M) | (42.2M) | (46.1M) | (34.6M) | (20M) | (77.7M) | (22.3M) | (900K) | |
19.1M | -700K | -13.3M | -26.5M | -16.5M | -71.8M | -22.3M | -900K | |
(74.1M) | (100.9M) | (90.9M) | (90.1M) | (101.4M) | (130.6M) | (46.3M) | -169.3M | |
0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | -54.6M | |
40.8M | 30.9M | -147.4M | -297.7M | -521.1M | -363M | -282.4M | -69.1M | |
NET INCOME | ||||||||
-500K | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (438.9K) | |
40.3M | 30.9M | -147.4M | -297.7M | -521.1M | -363M | -282.4M | -69.1M |
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
Continue your ROOT research with focused valuation guides.
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.