ROOT
Root·NASDAQ
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ROOT fundamentals
Root (ROOT) released its earnings on Feb 25, 2026: revenue was 397.00M (YoY +21.52%), beat estimates; EPS was 0.31 (YoY -78.17%), beat estimates.
Revenue / YoY
397.00M
+21.52%
EPS / YoY
0.31
-78.17%
Report date
Feb 25, 2026
ROOT Earnings Call Summary for Q4,2025
- Record 2025 Performance: 29% revenue growth, 30% net income increase, $1.5B in premiums.
- AI-Driven Pricing Advantage: 20%+ LTV improvement, pricing models lowering costs while maintaining profitability.
- Strategic Growth Levers:
- 80% U.S. population coverage, targeting full national expansion by 2027.
- Independent agent channel tripled YoY new writings.
- Connected vehicle partnerships (Toyota, Hyundai) enable telematics-based pricing.
- 2026 Outlook: Accelerated PIF growth, $40M+ net income, disciplined expense management.
- Risk Management: Maintaining 60-65% loss ratio target despite industry pricing moderation.
Earnings
EPS
Revenue
Revenue & Expenses
Key Indicators
Root (ROOT) key financial stats and ratios, covering profitability, financial health, and leverage.
Income Statement
Root (ROOT)'s revenue and profit trends over recent years, visualized with a waterfall chart to showcase the revenue-to-profit funnel.
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Breakdown
Balance Sheet
Root (ROOT)'s asset and liability trends over recent years, visualized with a waterfall chart to illustrate changes in its asset-liability structure.
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Cash Flow
Root (ROOT)'s cash flow trends over recent years, visualized with a waterfall chart to illustrate changes in its operating, investing, and financing cash flows.
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Revenue Breakdown
Where does Root (ROOT) generate its revenue? Explore its key revenue streams and top earning regions.
By Business
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By Region
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Dividend
Track Root (ROOT) Dividend Yield, Payout Ratio & Sustainability Through Its Dividend History
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Dividend Yield
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What were the key takeaways from Root's earnings call?What is the market's earnings forecast for Root next quarter?What does Root do and what are its main business segments?What were the key takeaways from Root’s earnings call?Did Root beat or miss consensus estimates last quarter?What is the revenue and EPS growth rate for Root year over year?What is Root's gross profit margin?What factors drove the changes in Root's revenue and profit?
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