Root (NASDAQ: ROOT) announced fourth-quarter and full-year 2025 financial results for the period ended December 31, 2025, and posted the shareholder letter and updated investor presentation on its investor relations site.
The company will host a live conference call and earnings webcast today, February 25, 2026 at 5:00 p.m. ET, with replay available on the Events page at ir.joinroot.com.
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News Market Reaction – ROOT
-5.52%
16 alerts
-5.52%Session close to close
+9.3%Peak Tracked
-14.9%Trough Tracked
$947.44MMarket Cap
0.2xRel. Volume
In the Feb 26 session, ROOT declined 5.52%, reflecting a notable negative market reaction.
Argus tracked a peak move of +9.3% during that session.
Argus tracked a trough of -14.9% from its starting point during tracking.
Our momentum scanner triggered 16 alerts that day, indicating notable trading interest and price volatility.
The stock moved -5.5% in the session following this news. A negative reaction despite the scheduled ...
Analysis
The stock moved -5.5% in the session following this news. A negative reaction despite the scheduled earnings release would fit a pattern where not all operational updates have been rewarded, as seen with the Kikoff partnership’s -6.71% move. With ROOT already trading below its $95.76 200-day MA and far under the 52-week high, downside reactions could reflect sensitivity to profitability metrics like the 102.1% net combined ratio and any change in revenue or capital position disclosed in the shareholder letter.
Key Figures
Total revenues:$387.8MNet premiums earned:$360.1MNet loss:$5.4M+5 more
8 metrics
Total revenues$387.8MQ3 2025 results per 10-Q
Net premiums earned$360.1MQ3 2025 results per 10-Q
Net loss$5.4MQ3 2025 quarterly net loss vs prior-year profit
Net income YTD$35.0MYear-to-date 2025 performance per 10-Q
Adjusted EBITDA$103.2MYear-to-date 2025 adjusted EBITDA per 10-Q
Cash & equivalents$653.3MLiquidity position as of Q3 2025
Stockholders’ equity$265.0MEquity balance as of Q3 2025
Net combined ratio102.1%Q3 2025 underwriting and cost performance
Participation in Citi’s 2025 Insurance Access Day for private investor meetings.
24h Move is the share-price change in the day after each event; other market factors may also have contributed.
Pattern Detected
Recent company news around conferences and partnerships has often produced sizable moves, with one notable negative reaction to a partnership announcement despite its strategic nature.
Recent Company History
Over the last several months, ROOT has focused on investor outreach and strategic partnerships. It participated in events like Citi’s 2025 Insurance Access Day on Dec 8, 2025 and the 28th Annual ICR Conference on Jan 12–14, 2026, which coincided with positive moves of 5.37% and 5.08%. A partnership with Kikoff on Jan 13, 2026 drew a -6.71% reaction, showing that operational updates do not always translate into immediate gains. Today’s earnings release fits into this pattern of investor-focused communication via shareholder letters and webcasts.
Key Terms
earnings webcast, Form 4, 10-Q, 8-K, +3 more
7 terms
earnings webcastfinancial
"Root will host a conference call and earnings webcast to discuss the results..."
A live or recorded online presentation where a company's executives discuss recent financial results, explain performance drivers, provide guidance, and often answer questions from analysts or investors. Think of it as a company news conference streamed over the internet; viewers can judge the facts, the tone and the management’s answers to decide whether the firm’s outlook matches its stock price. Investors use webcasts to get direct, timely insight that can affect trading decisions.
Form 4regulatory
"title": "[Form 4] Root, Inc. Insider Trading Activity""
Form 4 is a official document that company insiders, such as executives or major shareholders, file with regulators whenever they buy or sell company shares. It provides transparency about how those with inside knowledge are trading, helping investors see if insiders are confident in the company's prospects or may be selling for personal reasons. This information can influence investor decisions by revealing insiders' perspectives on the company's value.
"title": "[10-Q] Root, Inc. Quarterly Earnings Report""
A 10-Q is a company’s required quarterly filing with U.S. regulators that provides updated financial statements, management discussion of results, and disclosures about risks, legal matters and operational changes. Think of it as a quarterly report card and progress update that lets investors track recent performance, spot trends or warning signs between annual reports, and make informed buy/sell decisions based on the latest verified financial and business information.
"title": "[8-K] Root, Inc. Reports Material Event""
An 8-K is a public report companies must file with the U.S. Securities and Exchange Commission to disclose major events or changes that shareholders should know about, such as leadership changes, mergers, financial surprises, or legal developments. It matters to investors because it acts like a breaking-news alert for a company’s health and prospects—providing timely facts that can affect stock value and investment decisions.
"tax withholding obligations related to the vesting of restricted stock units."
Restricted stock units are a type of company reward where employees are promised shares of stock, but they only fully own these shares after meeting certain conditions, like staying with the company for a set time. They matter because they can become valuable assets and are often used to motivate employees to help the company succeed.
performance-based restricted share unitsfinancial
"through grants and vesting of performance-based restricted share units under the 2020 Equity Incentive Plan."
Performance-based restricted share units are promises to give company stock to employees or executives only if the business hits specified targets, such as revenue, profit or stock performance; think of them as a bonus paid in shares that only vests when certain goals are met. They matter to investors because they align management incentives with shareholder outcomes, can dilute share count when paid out, and reveal how leadership is being rewarded and what milestones the company expects to reach.
net combined ratiofinancial
"The net combined ratio was 102.1%, reflecting elevated operating costs..."
Net combined ratio measures an insurance company's underwriting profitability by comparing claims paid and operating costs to earned premiums after accounting for reinsurance. A ratio below 100% means the insurer is making money on its insurance policies; above 100% means it is paying out more in claims and costs than it receives in premiums. Investors use it like a household budget check to see whether the core insurance business is sustainably profitable or dependent on investment income.
COLUMBUS, Ohio, Feb. 25, 2026 (GLOBE NEWSWIRE) -- Root, Inc. (NASDAQ: ROOT), today announced financial results for the fourth quarter and full year ended December 31, 2025. Root’s fourth quarter and full year financial results and management commentary can be found in the shareholder letter posted to the company’s investor relations website. An updated version of the company’s investor presentation will also be available. Both can be found on ir.joinroot.com.
Root will host a conference call and earnings webcast to discuss the results and provide an update on company operations today, Wednesday, February 25, 2026 at 5:00 p.m. Eastern Time. To listen to the live audio webcast, please visit the News & Events section of Root’s Investor Relations website at ir.joinroot.com.
A replay of the webcast will be made available for on-demand viewing after the call on the Events page of the company’s website at ir.joinroot.com.
About Root, Inc. Founded in 2015 and based in Columbus, Ohio, Root, Inc. (NASDAQ: ROOT) is the parent company of Root Insurance Company. Root is revolutionizing insurance through data science and technology to provide consumers a personalized, easy, and fair experience. The Root app has more than 17 million app downloads and has collected more than 35 billion miles of driving data to inform their insurance offerings.
When will Root (ROOT) discuss its Q4 and full-year 2025 results?
Root will discuss results on Wednesday, February 25, 2026 at 5:00 p.m. Eastern Time. According to the company, the event includes a conference call and live webcast with management commentary and a shareholder letter posted on its investor relations site.
Where can investors find Root (ROOT) 2025 fourth quarter shareholder letter and presentation?
Investors can find the shareholder letter and updated investor presentation on Root's investor relations website at ir.joinroot.com. According to the company, both documents are posted alongside the webcast and event materials for review.
How can I listen to Root (ROOT) earnings webcast on February 25, 2026?
To listen live, visit the News & Events section of Root's investor relations site or use the webcast link at ir.joinroot.com. According to the company, a participant toll-free dial-in and an international number are provided for the conference call.
Will Root (ROOT) provide a replay of the February 25, 2026 earnings webcast?
Yes. A replay will be made available for on-demand viewing after the call on the Events page of Root's investor relations website. According to the company, the webcast replay will remain accessible on ir.joinroot.com following the live event.
What dial-in numbers are provided for Root (ROOT)'s February 25, 2026 conference call?
Participant toll-free dial-in is 1 (877) 269-7751 and participant toll is 1 (201) 389-0908. According to the company, these numbers connect callers to the live conference call accompanying the 5:00 p.m. ET webcast.
