Symbols

ROOT

Root·NASDAQ

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ROOT fundamentals

ROOT Q4 2025 Earnings

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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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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Breakdown