Root, INC. (ROOT) — SEC Filings

Overview

Root, INC. (ROOT) is a publicly traded company tracked on ReadTheFiling. The most recent enriched filing is a 10-Q filed on Nov 5, 2025: Root, Inc. reported a net loss of $5.4 million for the three months ended September 30, 2025, a significant decline from the net income of $22.8 million in the same period of 2024. Despite this, the company achieved a net income of $35.0 million for the nine months ended September 30, 2025, a substa

Sentiment Summary

Across 26 filings, the sentiment breakdown is: 1 bearish, 24 neutral, 1 mixed. The dominant filing sentiment for Root, INC. is neutral.

Filing Type Overview

Root, INC. (ROOT) has filed 6 10-Q, 6 8-K, 2 DEF 14A, 2 10-K, 5 SC 13G/A, 3 SC 13G, 2 SC 13D/A with the SEC between Feb 2024 to Nov 2025.

Filings by Year

2025 · 2024

Recent Filings (26)

• Root Swings to Q3 Loss Amid Soaring Insurance Expenses — 10-Q · Nov 5, 2025 Risk: high
  Root, Inc. reported a net loss of $5.4 million for the three months ended September 30, 2025, a significant decline from the net income of $22.8 million in the
• Root Narrows Q2 Loss to $10.5M, Capital Base Strengthens — 10-Q · Aug 6, 2025 Risk: medium
  Root, Inc. reported a net loss of $10.5 million for the three months ended June 30, 2025, a significant improvement from the $25.3 million net loss in the prior
• Root, Inc. Files 8-K on Shareholder Vote Matters — 8-K · Jun 6, 2025 Risk: low
  On June 4, 2025, Root, Inc. filed an 8-K to report on matters submitted to a vote of its security holders. The filing details the submission of these matters, w
• Root, Inc. Files Q1 2025 10-Q — 10-Q · May 7, 2025 Risk: low
  Root, Inc. filed its 10-Q for the period ending March 31, 2025. The filing details the company's financial performance and position. Key financial data points s
• Root, Inc. Files 2025 DEF 14A Proxy Statement — DEF 14A · Apr 25, 2025 Risk: low
  Root, Inc. filed its DEF 14A on April 25, 2025, for the fiscal year ending December 31, 2024. The filing details executive compensation and other corporate gove
• Root, Inc. Files 2024 10-K — 10-K · Feb 26, 2025 Risk: medium
  Root, Inc. filed its 2024 10-K on February 26, 2025, reporting on its fiscal year ending December 31, 2024. The company, based in Columbus, OH, operates in the
• Root, Inc. Director Departs; Executive Compensation Details — 8-K · Nov 15, 2024 Risk: low
  Root, Inc. announced on November 13, 2024, the departure of director David R. White. The company also reported on compensatory arrangements for its named execut
• SC 13G/A Filing — SC 13G/A · Nov 14, 2024
• SC 13G Filing — SC 13G · Nov 8, 2024
• Root, Inc. Files Q3 2024 10-Q Report — 10-Q · Oct 30, 2024 Risk: medium
  Root, Inc. filed its 10-Q for the period ending September 30, 2024. The filing covers the third quarter of 2024 and provides financial updates. Key financial fi
• SC 13G Filing — SC 13G · Oct 24, 2024
• Carvana Group Amends Root, Inc. Stake Filing — SC 13D/A · Aug 9, 2024 Risk: medium
  Carvana Group, LLC, through its filing on August 9, 2024, has amended its Schedule 13D/A regarding Root, Inc. The filing indicates a change in beneficial owners
• Root, Inc. Files Q2 2024 10-Q — 10-Q · Aug 7, 2024 Risk: medium
  Root, Inc. filed its 10-Q for the period ending June 30, 2024. The filing details the company's financial performance and position for the second quarter of 202
• Root, Inc. Reports on Shareholder Vote Matters — 8-K · Jun 10, 2024 Risk: low
  Root, Inc. filed an 8-K on June 10, 2024, reporting on matters submitted to a vote of its security holders on June 5, 2024. The filing details the company's cor
• Root, Inc. Files 8-K for Regulation FD Disclosure — 8-K · May 30, 2024 Risk: low
  On May 30, 2024, Root, Inc. filed an 8-K to disclose information regarding a Regulation FD disclosure. The filing does not contain specific financial figures or
• Carvana Group Amends Root, Inc. Stake Filing — SC 13D/A · May 7, 2024 Risk: medium
  Carvana Group, LLC, through its filing on May 7, 2024, has amended its Schedule 13D regarding Root, Inc. The filing indicates a change in beneficial ownership,
• Root, Inc. Files 10-Q for Period Ending March 31, 2024 — 10-Q · Apr 30, 2024 Risk: medium
  Root, Inc. (ROOT) filed a Quarterly Report (10-Q) with the SEC on April 30, 2024. Root, Inc. filed its quarterly report (10-Q) for the period ending March 31, 2
• Root, Inc. Files Definitive Proxy Statement — DEF 14A · Apr 26, 2024 Risk: low
  Root, Inc. (ROOT) filed a Proxy Statement (DEF 14A) with the SEC on April 26, 2024. Root, Inc. filed a Definitive Proxy Statement (DEF 14A) on April 26, 2024. T
• Root, Inc. CTO Departs; Interim Appointed; CEO Employment Agreement — 8-K · Apr 16, 2024 Risk: medium
  Root, Inc. announced on April 15, 2024, the departure of its Chief Technology Officer, Dan Obodo, effective immediately. The company also announced the appointm
• Root, Inc. Files 8-K for Regulation FD Disclosure — 8-K · Apr 3, 2024 Risk: low
  On April 3, 2024, Root, Inc. filed an 8-K to disclose a Regulation FD disclosure and financial statements/exhibits. The filing does not contain specific financi
• SC 13G/A Filing — SC 13G/A · Mar 20, 2024
• Root, Inc. Files 2023 Annual Report on Form 10-K — 10-K · Feb 21, 2024 Risk: medium
  Root, Inc. (ROOT) filed a Annual Report (10-K) with the SEC on February 21, 2024. Root, Inc. filed its 2023 Form 10-K on February 21, 2024. The filing covers th
• SC 13G/A Filing — SC 13G/A · Feb 14, 2024
• SC 13G/A Filing — SC 13G/A · Feb 14, 2024
• SC 13G/A Filing — SC 13G/A · Feb 14, 2024
• SC 13G Filing — SC 13G · Feb 13, 2024

Risk Profile

Risk Assessment: Of ROOT's 18 recent filings, 1 were flagged as high-risk, 9 as medium-risk, and 8 as low-risk. The overall risk profile suggests moderate risk with a balanced mix of positive and cautionary disclosures.

Financial Highlights

Key financial metrics from Root, INC.'s most recent 10-Q filing (Nov 5, 2025):

• Revenue: $387.8M
• Net Income: -$5.4M
• EPS: N/A
• Debt-to-Equity: 0.76
• Cash Position: $653.3M
• Operating Margin: N/A
• Total Assets: $1,642.4M
• Total Debt: $200.4M

Key Executives

• David R. White
• Ernest Garcia III
• Dan Obodo
• Alex Frommeyer
• Alex Timm

Industry Context

Root, Inc. operates in the competitive auto insurance market, which is increasingly leveraging technology for underwriting and customer acquisition. The industry is characterized by fluctuating claims costs, regulatory oversight, and the ongoing digital transformation of customer interactions and claims processing.

Top Tags

10-Q (4) · insurance (4) · SEC Filing (3) · shareholder-vote (2) · corporate-governance (2) · executive-compensation (2) · 10-K (2) · ownership-change (2) · disclosure (2) · regulation-fd (2)

Key Numbers

• Net loss: $5.4M — For the three months ended September 30, 2025, compared to $22.8M net income in Q3 2024.
• Net income: $35.0M — For the nine months ended September 30, 2025, up from $8.8M in the prior year period.
• Total revenues: $387.8M — For the three months ended September 30, 2025, an increase from $305.7M in Q3 2024.
• Net premiums earned: $360.1M — For the three months ended September 30, 2025, up from $279.3M in Q3 2024.
• Loss and loss adjustment expenses: $239.4M — For the three months ended September 30, 2025, a significant increase from $184.5M in Q3 2024.
• Other insurance expense: $67.0M — For the three months ended September 30, 2025, more than tripling from $22.4M in Q3 2024.
• Cash and cash equivalents: $653.3M — As of September 30, 2025, up from $599.3M at December 31, 2024.
• Total assets: $1,642.4M — As of September 30, 2025, an increase from $1,495.7M at December 31, 2024.
• Net cash provided by operating activities: $136.4M — For the nine months ended September 30, 2025, an increase from $126.5M in the prior year period.
• Total liabilities: $1,265.4M — As of September 30, 2025, up from $1,180.0M at December 31, 2024.
• Q2 2025 Net Loss: $10.5M — Improved from $25.3M net loss in Q2 2024, showing a 58.5% reduction.
• H1 2025 Net Loss: $20.1M — Improved from $50.1M net loss in H1 2024, indicating a 59.9% reduction.
• Additional Paid-in Capital: $1.25B — Increased from $1.24B at year-end 2024, suggesting capital infusion or equity compensation.
• Retained Earnings Deficit: $1.5B — Slightly improved from $1.52B at year-end 2024, reflecting reduced losses.
• Common Shares Outstanding: 200,000 — Stable for both Class A and Class B shares as of June 30, 2025, and December 31, 2024.

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