FY2025 · ended Dec 31, 2025 · Revenue $1.52B, +29.0% YoY · Filed Feb 25, 2026
Root, Inc. (ROOT) files with the SEC under industry code 6331, Fire, Marine & Casualty Insurance. In fiscal 2025, which ended Dec 31, 2025, it reported revenue of $1.5 billion and net income of $40.3 million. Free cash flow was $206.5 million. As of Sep 30, 2026 it held $596.3 million in cash and investments and $197.5 million in total debt.
Revenue (TTM)
$1.56B
+7.9% vs year-ago TTM
Net income (TTM)
$81.00M
+41.9% vs year-ago TTM
Operating cash flow (TTM)
$184.20M
-10.4% vs year-ago TTM
Free cash flow (TTM)
$183.10M
-10.9% vs year-ago TTM
EPS (TTM)
$4.53
+43.5% vs year-ago TTM
Dividend per share
None
Shares outstanding
44.40M
Net cash
$398.80M
as of Sep 30, 2026
Operating margin
6.7%
FY 2026
Company profile
- Industry
- Fire, Marine & Casualty Insurance (SIC 6331)
- Listed as
- ROOT (Nasdaq)
- Fiscal year ends
- December 31
- Incorporated in
- DE
- Headquarters
- Columbus, OH
- SEC filer status
- Large accelerated filer
- SEC CIK
- 1788882
- Former names
- Root Stockholdings, Inc. (until Sep 17, 2020)
Other Fire, Marine & Casualty Insurance companies
Key figures
Fiscal-year totals from the annual reports. Balance sheet lines are as of each year end.
| Line | FY 2025 Dec 31, 2025 |
FY 2024 Dec 31, 2024 |
FY 2023 Dec 31, 2023 |
FY 2022 Dec 31, 2022 |
FY 2021 Dec 31, 2021 |
|---|---|---|---|---|---|
| Revenue | $1.5B | $1.2B | $455.0M | $310.8M | $345.4M |
| Operating income | $61.8M | $78.5M | -$101.3M | -$263.1M | -$485.2M |
| Net income | $40.3M | $30.9M | -$147.4M | -$297.7M | -$521.1M |
| Diluted EPS | $2.36 | $1.83 | -$10.24 | -$21.11 | -$37.76 |
| Operating cash flow | $206.5M | $195.7M | -$33.6M | -$210.6M | -$403.4M |
| Free cash flow | $206.5M | $195.3M | -$33.8M | -$210.6M | -$408.0M |
| Total assets | $1.7B | $1.5B | $1.3B | $1.3B | $1.3B |
| Total liabilities | $1.3B | $1.2B | $1.1B | $923.8M | $670.9M |
| Stockholders' equity | $284.3M | $203.7M | $165.7M | $277.1M | $536.4M |
| Cash and investments | $669.3M | $599.3M | $845.5M | $890.9M | $835.9M |
| Total debt | $204.6M | $206.1M | $307.2M | $305.9M | $14.1M |
Recent SEC filings
| Form | Description | Filed | Period |
|---|---|---|---|
| 10-Q | Quarterly report | Nov 4, 2026 | Sep 30, 2026 |
| 8-K |
Current report
Results of operations, Regulation FD disclosure
|
Nov 4, 2026 | Nov 4, 2026 |
| 8-K |
Current report
Material agreement, Unregistered share sale
|
Sep 1, 2026 | Aug 31, 2026 |
| 10-Q | Quarterly report | Aug 5, 2026 | Jun 30, 2026 |
| 8-K |
Current report
Results of operations, Regulation FD disclosure
|
Aug 5, 2026 | Aug 5, 2026 |
| 8-K |
Current report
Bylaw or fiscal year change, Shareholder vote results
|
Jun 8, 2026 | Jun 3, 2026 |
All 581 Root, Inc. SEC filings
Source: SEC EDGAR filings. This is company-reported data, not investment advice.