Q3 FY2026 · ended Sep 30, 2026 · Revenue $381.30M, -1.7% YoY · Filed Nov 4, 2026
Root, Inc. (ROOT) files with the SEC under industry code 6331, Fire, Marine & Casualty Insurance. In Q3 of fiscal 2026, the quarter ended Sep 30, 2026, it reported revenue of $381.3 million and net income of $14.4 million. Free cash flow was $46.2 million. As of Sep 30, 2026 it held $596.3 million in cash and investments and $197.5 million in total debt.
Revenue
$381.30M
-1.7% vs year-ago quarter
Net income
$14.40M
+366.7% vs year-ago quarter
Operating cash flow
$47.30M
-17.9% vs year-ago quarter
Free cash flow
$46.20M
-19.8% vs year-ago quarter
EPS
$0.86
+345.7% vs year-ago quarter
Dividend per share
None
Shares outstanding
42.50M
-4.3% vs prior quarter
Net cash
$398.80M
Q3 FY2026
Operating margin
6.7%
TTM
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; switch to Annual for the full-year view. Balance sheet lines are as of each year end.
| Line | Q3 FY2026 Sep 30, 2026 |
Q2 FY2026 Jun 30, 2026 |
Q1 FY2026 Mar 31, 2026 |
Q4 FY2025 Dec 31, 2025 |
Q3 FY2025 Sep 30, 2025 |
|---|---|---|---|---|---|
| Revenue | $381.3M | $389.2M | $393.5M | $397.0M | $387.8M |
| Operating income | $18.3M | $34.6M | $40.9M | $10.5M | $300,000 |
| Net income | $14.4M | $25.4M | $35.9M | $5.3M | -$5.4M |
| Diluted EPS | $0.86 | $1.49 | $2.09 | $0.30 | -$0.35 |
| Operating cash flow | $47.3M | $57.5M | $9.3M | $70.1M | $57.6M |
| Free cash flow | $46.2M | — | — | $70.1M | $57.6M |
| Total assets | $1.7B | $1.7B | $1.7B | $1.7B | $1.6B |
| Total liabilities | $1.2B | $1.2B | $1.2B | $1.3B | $1.3B |
| Stockholders' equity | $327.0M | $327.9M | $325.9M | $284.3M | $265.0M |
| Cash and investments | $596.3M | $509.6M | $597.2M | $669.3M | $653.3M |
| Total debt | $197.5M | $197.8M | $200.3M | $204.6M | $200.4M |
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.