20 years of revenue, earnings, cash-flow and balance-sheet history from public filings.
Root Inc (ROOT) operates in the INSURANCE - PROPERTY & CASUALTY industry and is headquartered in Columbus, United States with about 1,256 employees. Its market capitalization is roughly $829 million. In the fiscal year ended 2025-12-31, ROOT reported $1.5B in revenue and $40M in net income.
Root, Inc. provides insurance products and services in the United States. The company offers automobile and renters insurance products primarily through websites, mobile applications, and partnership channels. Root, Inc. was incorporated in 2015 and is headquartered in Columbus, Ohio.
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| Income statement | TTM → 2026-06-30 | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 |
|---|---|---|---|---|---|---|---|---|---|
| Total Revenue | $1.6B | $1.5B | $1.2B | $455M | $311M | $345M | $347M | $290M | $43M |
| Gross Profit | $494M | $387M | $337M | $76M | ($32M) | ($52M) | ($14M) | ($84M) | ($10M) |
| Gross Margin % | 31.5% | 25.5% | 28.6% | 16.7% | -10.4% | -15.0% | -4.1% | -28.8% | -24.0% |
| Operating Income (EBIT) | $62M | $41M | $31M | ($147M) | ($298M) | ($521M) | ($363M) | ($282M) | ($69M) |
| Operating Margin % | 4.0% | 2.7% | 2.6% | -32.4% | -95.8% | -150.9% | -104.7% | -97.3% | -159.6% |
| Net Income | $61M | $40M | $31M | ($147M) | ($298M) | ($521M) | ($363M) | ($282M) | ($69M) |
| Net Margin % | 3.9% | 2.7% | 2.6% | -32.4% | -95.8% | -150.9% | -104.7% | -97.3% | -159.6% |
| EBITDA | $95M | $74M | $88M | ($89M) | ($249M) | ($484M) | ($270M) | ($255M) | ($68M) |
| Earnings Per Share (EPS) | $3.54 | $2.34 | $1.83 | $-10.24 | $-21.11 | $-37.64 | $-86.54 | $-20.05 | $-38.99 |
| Shares Outstanding (M) | 17M | 17M | 17M | 14M | 14M | 14M | 4M | 14M | 2M |
USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).
| Quarterly income statement | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 |
|---|---|---|---|---|---|---|---|---|
| Total Revenue | $389M | $394M | $397M | $388M | $383M | $349M | $327M | $306M |
| Gross Profit | $149M | $167M | $96M | $81M | $102M | $107M | $104M | $99M |
| Gross Margin % | 38.4% | 42.5% | 24.3% | 21.0% | 26.6% | 30.6% | 31.7% | 32.3% |
| Operating Income (EBIT) | $26M | $36M | $5M | ($5M) | $22M | $18M | $22M | $23M |
| Operating Margin % | 6.6% | 9.2% | 1.4% | -1.3% | 5.8% | 5.3% | 6.8% | 7.5% |
| Net Income | $25M | $36M | $5M | ($5M) | $22M | $18M | $22M | $23M |
| Net Margin % | 6.5% | 9.1% | 1.3% | -1.4% | 5.8% | 5.3% | 6.8% | 7.5% |
| EBITDA | $32M | $44M | $14M | $5M | $29M | $26M | $32M | $40M |
| Earnings Per Share (EPS) | $1.49 | $2.09 | $0.31 | $-0.35 | $1.29 | $1.07 | $1.30 | $1.35 |
| Shares Outstanding (M) | 17M | 17M | 17M | 15M | 17M | 17M | 17M | 17M |
USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).
| Cash flow | TTM → 2026-06-30 | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 |
|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations (CFO) | $194M | $206M | $196M | ($34M) | ($211M) | ($403M) | ($287M) | ($127M) | ($26M) |
| Capital Expenditures (CapEx) | $15M | $14M | $12M | $9M | $10M | $11M | $16M | $12M | $4M |
| Free Cash Flow (FCF) | $179M | $192M | $184M | ($43M) | ($221M) | ($415M) | ($303M) | ($139M) | ($30M) |
| FCF Margin % | 11.4% | 12.7% | 15.6% | -9.4% | -71.0% | -120.0% | -87.5% | -48.0% | -68.4% |
| Dividends Paid | — | — | $25M | — | $286M | $126M | — | — | — |
USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).
| Quarterly cash flow | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 |
|---|---|---|---|---|---|---|---|---|
| Cash from Operations (CFO) | $58M | $9M | $70M | $58M | $52M | $27M | $69M | $49M |
| Capital Expenditures (CapEx) | $4M | $4M | $4M | $4M | $4M | $2M | $4M | $2M |
| Free Cash Flow (FCF) | $54M | $6M | $66M | $54M | $48M | $25M | $65M | $47M |
| FCF Margin % | 13.8% | 1.5% | 16.6% | 13.9% | 12.5% | 7.1% | 19.8% | 15.4% |
USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).
| Balance sheet | 2026-06-30 | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 |
|---|---|---|---|---|---|---|---|---|---|
| Total Assets | $1.7B | $1.7B | $1.5B | $1.3B | $1.3B | $1.1B | $1.8B | $686M | $187M |
| Cash & Cash Equivalents | $510M | $690M | $600M | $680M | $762M | $707M | $1.1B | $417M | $122M |
| Total Liabilities | $1.3B | $1.1B | $1.0B | $896M | $1.0B | $415M | $730M | $500M | $100M |
| Total Debt (Short + Long-Term) | $199M | $203M | $202M | $294M | $299M | $4M | $278M | $270M | $15M |
| Total Shareholders' Equity | $328M | $396M | $316M | $278M | $277M | $648M | $1.0B | $186M | $87M |
USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).
Quarterly statements, profitability ratios, price history, insider activity and institutional holders are in the interactive ROOT viewer.
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