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NASDAQ · FIRE, MARINE & CASUALTY INSURANCE · LARGE CAP

Root, Inc. ROOT

8 fiscal years on record · USD · FY2025 reported · SEC filings only
$1.5B
▲ 29.0% YoY
$40.3M
▲ 30.4% YoY
$206.5M
▲ 5.7% YoY

Slide the table for earlier years · "·" marks a figure not available in our data for that year.

In brief

What this company does

As a full-stack insurance carrier, Root designs products and distributes, underwrites, administers, and pays claims. Its primary focus is the United States personal auto insurance market. It currently operates in 36 states. As of December 31, 2025, it had 1,256 full-time employees. It has three wholly-owned regulated United States insurance subsidiaries: Root Insurance Company, Root Property & Casualty Insurance Company, and Root Florida Insurance Company.

Written from the business description in Root, Inc.'s annual report to the U.S. Securities and Exchange Commission, filed 25 February 2026. Every sentence was checked against that document before publication.

Growth

USD 1.5B
Revenue, FY2025 · full 8-year series below
Revenue $B Net income $B
FY2025 · Revenue 1.5 · Net income 0.0
1.0B2.0B-0.2B-0.4B
2018202120242025
Compound annual growth
+69.6%
+34.3%
3 yrs
5 yrs
10 yrs
15 yrs

Revenue compounded at +34.3% a year over the five years to FY2025.

Compound annual rates per period — left blank where that exact year isn't on file, the series crosses a loss, or (per-share rows) a split falls inside the window.

Profitability

3 cents
of every revenue dollar became profit
Operating margin Net margin
FY2025 · Operating 4.1% · Net 2.7%
-50%-100%-150%
201820212025
ROE
FY2025 · ROE 16.5%
5%10%15%-20%-40%-60%
201820212025
Three returns, three denominators.
Return on capital employedNot available: we don't have total assets or current liabilities for this period.

Each USD of equity produced 17 cents of profit this year.

Cash & shareholders

·
returned in FY2025 · dividends + net buybacks
Free cash flow $M
FY2025 · FCF 206.5
100M200M-150M-300M
201820212025
Net buybacks $M Dividends $M
FY2022 · Dividends · · Net buybacks -1.3
-2M-3M
20182019202020212022

Total assetsUSD 1.7B
EquityUSD 284.3M
CashUSD 669.3M
Gross debtUSD 200.3M
Net debtUSD -469.0M

The company holds more cash than debt.

The 8-year record

8 fiscal years
Every figure from documents filed with the SEC · USD

EPS, diluted, dividend per share and shares outstanding are shown without shading, and a vertical line marks the year the share count changed — the series crosses a large, unexplained change in share count, so the years on either side are not on a comparable scale.

row low → row highnegative—not applicable◌not available in our data
ROOT, 8-year financial record
Metric 20252024202320222021202020192018
Revenue $B1.51.20.50.30.30.30.30.0
Operating income $B0.10.1−0.1−0.3−0.5−0.3−0.3−0.1
EBITDA $B0.10.1−0.1−0.2−0.5−0.3−0.3−0.1
Income tax $B0.00.00.00.00.00.00.00.0
Net income $B0.00.0−0.1−0.3−0.5−0.4−0.3−0.1
Free cash flow $B0.20.2−0.0−0.2−0.4−0.3−0.1−0.0
EPS, diluted $2.361.83−10.24−21.11−37.76−86.43−8.33−2.73
Dividend / sh $◌◌◌◌◌◌◌◌
Payout % — not applicable: no dividend————————
ROE %16.516.7−66.6−73.2−66.5———
Shares out B◌◌◌◌◌◌0.04◌

Slide the table for earlier years. "—" not applicable · "◌" not available in our data.

More in this sector

Other companies filing in the same sector

Provenance

Company facts, as filed

How we verify · 0 failures in 23 reconciliationsAUDITED

Reconciled in 8 of the 8 fiscal years we could check. 12 checks were skipped: the balance sheet is not tagged before 2019. 11 checks were skipped: EPS is not tagged before 2018.

EPS recomputationBalance-sheet identityGross profitBalance-sheet liquidityCurrency consistency0 failures
ActivityFire, Marine & Casualty Insurance
Listed onNASDAQ
Incorporated inDelaware
Fiscal year endsDecember 31
Data on record since2018

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