Welcome to our dedicated page for Root SEC filings (Ticker: ROOT), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
This page provides access to U.S. Securities and Exchange Commission filings for Root, Inc. (NASDAQ: ROOT), the parent company of Root Insurance Company. Root operates in the direct property and casualty insurance carriers industry, with a focus on technology-driven personal car insurance in the United States.
Investors can review Root’s current and historical filings to understand how the company reports its financial condition, results of operations, and key developments. Recent Form 8-K filings show how Root announces quarterly financial results, such as results for quarters ended June 30 and September 30, through shareholder letters furnished as exhibits. These filings also reference updated investor presentations that contain information and financial highlights about the company and its industry.
Through this filings page, users can locate Root’s periodic reports and event-driven disclosures, including Form 8-K items related to results of operations and Regulation FD disclosures. These documents outline how Root communicates financial performance, provides investor materials, and addresses disclosure requirements under the Exchange Act and Securities Act.
Stock Titan’s tools enhance the raw filings by offering AI-powered summaries that explain the main points of lengthy documents in plain language. As new Root filings are posted to EDGAR, they are updated here in near real time, allowing users to quickly see new 8-Ks and other forms. Where available, insider transaction reports on Form 4, as well as quarterly (10-Q) and annual (10-K) reports, can be reviewed with AI-generated insights that highlight important sections, helping users navigate complex insurance and technology-related disclosures more efficiently.
Root, Inc. filed its annual report describing how it uses technology, telematics and data science to price U.S. personal auto insurance and distribute policies through direct digital channels, partnerships and independent agents. The company operates as a full-stack carrier with extensive reinsurance and a proprietary behavioral data platform.
Root highlights a large addressable U.S. auto market it believes is ready for individualized, telematics-driven pricing, and details its strategies to grow through accurate pricing, more efficient marketing, expanded partnerships and additional states. It also emphasizes human capital, intellectual property, and extensive state insurance, privacy and cybersecurity regulation that shape its operations and risk profile.
Root, Inc. released its fourth-quarter and full-year 2025 results, showing strong growth and sustained profitability in its technology-driven auto insurance business. For 2025, total revenue reached $1.52 billion, up 29% from 2024, with gross premiums written of $1.51 billion, a 16% increase.
The company generated net income of $40.3 million, up from $30.9 million, and reported adjusted EBITDA of $132.0 million, up from $111.9 million, while its full-year net combined ratio was 98.2% and gross combined ratio 97.1%, indicating disciplined underwriting. Policies in force grew to 481,869 from 414,862, with premiums in force rising to $1.48 billion.
Management highlights AI- and telematics-based pricing, expansion to 36 states, rapid growth in the independent agent channel, and new data partnerships, including connected Toyota and Lexus vehicles. Root ended 2025 with $689.9 million in cash, cash equivalents and restricted cash and emphasizes reinvesting in technology and distribution to drive faster policy growth in 2026.
Root, Inc. Chief Executive Officer Alexander E. Timm reported equity compensation activity involving Class A Common Stock. On February 18, he acquired 113,659 and 8,736 shares at $0.00 per share through grants and vesting of performance-based restricted share units under the 2020 Equity Incentive Plan.
On February 19, the company withheld 10,508 and 3,962 shares at $61.59 per share to cover tax obligations tied to those vesting PSUs, leaving his direct holdings at 259,337 shares after these transactions.
Root, Inc. reported that President and CTO Mahtiyar Bonakdarpour received performance-based restricted share units (PSUs) under the 2020 Equity Incentive Plan and had shares withheld to cover taxes upon vesting. On February 18, 2026, he acquired 101,958 and 5,877 Class A shares as PSU grants at $0.00 per share. One-quarter of these PSUs vested after the Compensation Committee certified performance, with the remainder vesting annually on January 1, 2027, January 1, 2028, and January 1, 2029. On February 19, 2026, the company withheld 9,569 and 2,622 shares at $61.59 per share to satisfy tax obligations tied to PSU vesting. He continues to hold a substantial direct position in Root stock, and additional shares are held indirectly through Drive Capital Overdrive funds, for which he disclaims beneficial ownership beyond his spouse’s pecuniary interest.
Root, Inc. Chief Financial Officer Megan Binkley reported equity compensation activity in Class A common stock. On February 18, 2026, she acquired 57,868 and 4,170 shares through grants of performance-based restricted share units (PSUs) under the 2020 Equity Incentive Plan, at a stated price of $0.00 per share. One-quarter of these PSUs vested upon certification of performance by the Compensation Committee, with the remaining portions scheduled to vest 25% per year on January 1, 2027, January 1, 2028, and January 1, 2029. On February 19, 2026, a total of 4,373 and 1,595 shares were disposed of at $61.59 per share, with the filing stating these shares were withheld by the company to cover tax obligations related to PSU vesting, rather than sold in open-market transactions.
Root, Inc. Chief Administrative Officer Jonathan Allison reported equity compensation activity involving performance-based stock units and related tax withholding. On February 18, 2026, he acquired 55,116 and 3,812 shares of Class A common stock as grants under Root’s 2020 Equity Incentive Plan, tied to performance-based restricted share units (PSUs).
According to the footnotes, one-quarter of these PSUs vested upon certification of performance by the Compensation Committee, with the remaining portions vesting annually on January 1, 2027, January 1, 2028, and January 1, 2029. On February 19, 2026, Root withheld 4,167 and 1,332 shares at
Root, Inc. reported an insider equity transaction by its Chief Accounting Officer on 12/15/2025. The filing shows that 499 shares of Class A common stock were withheld by the company at a price of $81.14 per share to satisfy tax withholding obligations related to the vesting of restricted stock units. After this tax withholding, the officer directly owned 19,995 shares of Root, Inc. Class A common stock.
Root, Inc.'s President and CTO reported an insider sale of 5,750 shares of Class A common stock on December 10, 2025 at $83 per share, executed under a Rule 10b5-1 trading plan.
After this transaction, the reporting person beneficially owns 266,807 shares directly and 149,294 shares indirectly through investment funds linked to the spouse’s carried interest, while disclaiming beneficial ownership of those indirect shares except to the extent of the spouse’s pecuniary interest.
Root, Inc. (ROOT) insider filing: The Chief Accounting Officer reported an administrative share withholding tied to equity compensation. On 11/03/2025, the issuer withheld 83 shares of Class A common stock at $80.79 per share to satisfy tax obligations upon RSU vesting. Following the transaction, the officer directly beneficially owns 20,494 shares.
This Form 4 reflects tax withholding by the company rather than an open-market sale, indicating no discretionary trading by the officer.
Root, Inc. reported Q3 results showing higher scale but a swing to a small quarterly loss. Total revenues reached $387.8 million with net premiums earned of $360.1 million. Operating income was $0.3 million, but interest expense drove a net loss of $5.4 million (vs. profit a year ago). The net combined ratio was 102.1%, reflecting elevated operating costs and loss activity.
Year-to-date, Root delivered net income of $35.0 million and adjusted EBITDA of $103.2 million. Cash and cash equivalents were $653.3 million and stockholders’ equity rose to $265.0 million. Reinsurance usage decreased, with ceded premiums earned of $(13.0) million in Q3, increasing retention. Other insurance expense included $17.2 million of warrant compensation tied to Carvana-related long-term warrant tranches after short‑term warrants expired on September 1, 2025. As of October 29, 2025, shares outstanding were 13,702,725 Class A and 1,806,236 Class B.