ROOT Root, Inc.
Price Chart
Executive Summary
Root, Inc. reported strong financial results for FY 2025, achieving $1.5 billion in revenue (19% YoY growth) and $40.3 million in net income (up $9.4 million YoY). The company demonstrated profitability while growing, expanded to 36 states, and secured a key partnership with Toyota for embedded insurance. Despite solid fundamentals, Q4 net income declined YoY due to strategic investments.
Key Financial Metrics
Actionable Insight
Monitor Root's expansion into new states and partnerships, as well as the impact of their strategic investments on profitability. The Toyota partnership could drive significant growth in embedded insurance.
Key Facts
- Achieved $1.5 billion in annual revenue (19% YoY growth)
- Recorded $40.3 million net income (up $9.4 million YoY)
- Expanded to 36 states, covering 80% of U.S. population
- Announced partnership with Toyota for embedded insurance using connected car data
- Independent agent channel grew new writings more than 3x YoY
- Q4 net income declined to $5.3 million (from $22.1 million) due to strategic investments
Financial Impact
$1.5 billion revenue, $40.3 million net income
Segment Breakdown
| Segment | Revenue | Growth |
|---|---|---|
| Auto Insurance | $1.5B | +16.0% |
Risk Factors
- Strategic investments impacting short-term profitability
- Execution risk in expanding to new states
- Competition in the auto insurance market
Market Snapshot
Documents Analyzed
This report is based on 4 SEC documents filed with EDGAR.
| Document | Accession Number |
|---|---|
| 8-K Filing (Primary) | 0001788882-26-000013 |
| Document: 0001788882-26-000013-index-headers.html | 0001788882-26-000013 |
| Document: 0001788882-26-000013-index.html | 0001788882-26-000013 |
| Document: 0001788882-26-000013.txt | 0001788882-26-000013 |
Filters
| Type | Now | ||||
|---|---|---|---|---|---|
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May 12, 2026
28d ago
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144
| $59.24 $58.32 | ▼ −1.55% | ▼ −1.63% | $53.85 (−9.10%) |
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Apr 24, 2026
6w ago
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DEFA14A
| $57.68 $54.48 | ▼ −5.55% | ▼ −6.46% | $53.85 (−6.64%) |
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Apr 23, 2026
6w ago
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Press Release
| $53.96 $51.91 | ▼ −3.81% | ▼ −5.29% | $53.85 (−0.20%) |
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Feb 25, 2026
14w ago
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8-K
| $57.72 $48.00 | ▼ −16.84% | ▼ −15.71% | $53.85 (−6.70%) |
US Market Status
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