Root, Inc. Announces 2025 Fourth Quarter and Full Year Results

Rhea-AI Summary

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.

Market Reaction – ROOT

+4.81% $64.03

15m delay 16 alerts

+4.81% Since News

+9.3% Peak in 14 min

$64.03 Last Price

$58.25 $69.83 Day Range

+$43M Valuation Impact

$947M Market Cap

0.2x Rel. Volume

Following this news, ROOT has gained 4.81%, reflecting a moderate positive market reaction. Argus tracked a peak move of +9.3% during the session. Our momentum scanner has triggered 16 alerts so far, indicating notable trading interest and price volatility. The stock is currently trading at $64.03. This price movement has added approximately $43M to the company's valuation.

Data tracked by StockTitan Argus (15 min delayed). Upgrade to Silver for real-time data.

Key Figures

Total revenues: $387.8M Net premiums earned: $360.1M Net loss: $5.4M +5 more

8 metrics

Total revenues $387.8M Q3 2025 results per 10-Q

Net premiums earned $360.1M Q3 2025 results per 10-Q

Net loss $5.4M Q3 2025 quarterly net loss vs prior-year profit

Net income YTD $35.0M Year-to-date 2025 performance per 10-Q

Adjusted EBITDA $103.2M Year-to-date 2025 adjusted EBITDA per 10-Q

Cash & equivalents $653.3M Liquidity position as of Q3 2025

Stockholders’ equity $265.0M Equity balance as of Q3 2025

Net combined ratio 102.1% Q3 2025 underwriting and cost performance

Market Reality Check

Price: $57.81 Vol: Volume 296,509 is slightl...

normal vol

$57.81 Last Close

Volume Volume 296,509 is slightly below the 331,507 20-day average (relative volume 0.89x). normal

Technical Shares at $57.81 are trading below the $95.76 200-day MA and sit 68.09% under the 52-week high, 8.32% above the 52-week low.

Peers on Argus

ROOT gained 6.44% while key peers like TRUP (-4.82%), SKWD (-4.61%), SAFT (-0.18...

ROOT gained 6.44% while key peers like TRUP (-4.82%), SKWD (-4.61%), SAFT (-0.18%), and PRA (-0.29%) were down or flat, pointing to a stock-specific reaction rather than a sector-wide move.

Common Catalyst Another peer, SAFT, also reported quarterly and full-year results today, but ROOT’s positive move contrasts with mostly weaker peer performance.

Historical Context

5 past events · Latest: Feb 12 (Neutral)

Pattern 5 events

Date	Event	Sentiment	Move	Catalyst
Feb 12	Conference participation	Neutral	+1.3%	Announcement of participation in the 2026 AIFA Conference and investor meetings.
Jan 29	Earnings scheduling	Neutral	-1.3%	Scheduling of Q4 and full-year 2025 earnings call and webcast details.
Jan 13	Kikoff partnership	Positive	-6.7%	New embedded car insurance partnership integrating ROOT into the Kikoff app.
Jan 05	ICR conference	Neutral	+5.1%	Participation in the 28th Annual ICR Conference with a CEO fireside chat.
Dec 03	Investor meetings	Neutral	+5.4%	Participation in Citi’s 2025 Insurance Access Day for private investor meetings.

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.

Market Pulse Summary

This announcement delivered ROOT’s Q4 and full-year 2025 results via a shareholder letter and webcas...

Analysis

This announcement delivered ROOT’s Q4 and full-year 2025 results via a shareholder letter and webcast, continuing its practice of detailed investor communication. Prior updates highlighted revenue of $387.8M, a 102.1% net combined ratio, and year-to-date net income of $35.0M with $653.3M in cash. Investors may focus on trends in underwriting performance, interest expense, and capital levels, as well as management’s commentary on growth, profitability, and reinsurance usage in the latest materials.

Key Terms

earnings webcast, Form 4, 10-Q, 8-K, +2 more

6 terms

earnings webcast financial

"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 4 regulatory

"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.

10-Q regulatory

"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.

8-K regulatory

"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.

restricted stock units financial

"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.

net combined ratio financial

"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.

AI-generated analysis. Not financial advice.

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.

Webcast and Conference Call Details:

Date: February 25, 2026
Time: 5:00 p.m. Eastern Time
Participant Toll-Free Dial-In Number: 1 (877) 269-7751
Participant Toll Dial-In Number: 1 (201) 389-0908
            
Webcast: https://ir.joinroot.com/news-events/events

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.

For more information, visit root.com.

Contacts:

Investor Relations:
ir@joinroot.com

Media:
press@joinroot.com

FAQ

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.