Earnings summaries and quarterly performance for Root.
Executive leadership at Root.
Board of directors at Root.
Research analysts who have asked questions during Root earnings calls.
Charlie Rodgers
Jefferies
3 questions for ROOT
Also covers: LMND, SKWD
Thomas Mcjoynt-Griffith
Keefe, Bruyette & Woods
3 questions for ROOT
Also covers: AGO, AIZ, GSHD +8 more
Elyse Greenspan
Wells Fargo
2 questions for ROOT
Also covers: ACGL, AFL, AHL +30 more
Hristian Getsov
Wells Fargo
2 questions for ROOT
Also covers: ALL, AXS, BWIN +2 more
Tommy McJoynt
Keefe, Bruyette & Woods (KBW)
2 questions for ROOT
Also covers: AGO, AII, AIZ +8 more
Andrew Andersen
Jefferies
1 question for ROOT
Also covers: ACGL, AFG, AHL +19 more
Andrew Kligerman
TD Cowen
1 question for ROOT
Also covers: ABL, ACGL, AJG +21 more
Yaron Kinar
Oppenheimer & Co. Inc.
1 question for ROOT
Also covers: ACGL, ALL, AXS +9 more
Recent press releases and 8-K filings for ROOT.
Roots Reports Third Quarter Fiscal 2025 Results
ROOT
Earnings
Share Buyback
Revenue Acceleration/Inflection
- Roots reported Q3 2025 sales of $71.5 million, representing a 6.8% increase compared to Q3 2024, with Direct-to-Consumer (DTC) comparable sales growing by 6.3%. The gross margin for Q3 2025 was 60.8%, an improvement of 80 basis points from Q3 2024.
- Net income for Q3 2025 totaled $2.3 million, a 4.5% decrease from $2.4 million in Q3 2024, while Adjusted EBITDA increased 5.3% to $7.5 million.
- The company's net debt was reduced by 5.9% year-over-year to $44.1 million at the end of Q3 2025. Roots also repurchased 415,200 common shares for $1.3 million under its normal course issuer bid during Q3 2025.
3 days ago
Root Reports Q3 2025 Financial Results with Record Policies and Revenue
ROOT
Earnings
Revenue Acceleration/Inflection
New Projects/Investments
- Root reported a net loss of $5 million and adjusted EBITDA of $34 million for Q3 2025, with the net loss primarily driven by a $17 million non-cash expense related to its warrant structure with Carvana.
- The company achieved record policies in force and revenue in Q3 2025, delivering double-digit percentage increases year-over-year in policies in force, written premium, and earned premium, while maintaining a 59% gross accident period loss ratio.
- Operational improvements include the deployment of a new pricing algorithm that improved customer LTVs by 20% on average and a new UBI model estimated to improve predictive power by 10%.
- New writings in the partnership channel more than doubled year-over-year, with independent agents now representing 50% of partnership distribution and tripling new writings year-over-year in this segment.
- Root plans to increase its direct R&D marketing investment by approximately $5 million in Q4 and anticipates a 5 percentage point headwind to its loss ratio in Q4 due to typical seasonality.
Nov 5, 2025, 10:00 PM
Root Reports Q3 2025 Financial Results and Operational Growth
ROOT
Earnings
Revenue Acceleration/Inflection
New Projects/Investments
- Root reported a net loss of $5 million, operating income of $300,000, and adjusted EBITDA of $34 million for Q3 2025, alongside a 59% gross accident period loss ratio.
- The company achieved a record quarter for policies in force and revenue, driven by accelerating growth in both direct and partnership distribution channels. New writings in the direct channel increased sequentially by high single digits, and partnership channel new writings more than doubled year over year.
- Operational improvements included the deployment of a new pricing algorithm that improved customer LTVs by 20% on average and a new UBI model with 10% improved predictive power.
- Root maintained a strong capital position with $309 million in unencumbered capital at the end of Q3 2025 and plans to increase direct R&D marketing investment by approximately $5 million in Q4.
Nov 5, 2025, 10:00 PM
Root, Inc. Announces Q3 2025 Financial and Operational Results
ROOT
Earnings
Revenue Acceleration/Inflection
- Root, Inc. reported a 27% year-over-year increase in total revenue and a 29% growth in net earned premium for Q3 2025.
- The company achieved a gross loss ratio of 59% in Q3 2025, which is below its long-term target of 60-65%, alongside a net loss of $5 million and adjusted EBITDA of $34 million for the quarter.
- Operational highlights include independent agent new writings more than tripling year-over-year and the deployment of a new pricing model that increased estimated customer lifetime values by over 20% on average. The company also launched a new Usage-Based Insurance (UBI) model, estimated to be 10% more predictive.
- Root maintained a strong capital position with $309 million in unencumbered capital at the end of Q3 2025.
Nov 5, 2025, 9:05 PM
Quarterly earnings call transcripts for Root.
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