Every 10-Q that Root, Inc. (ROOT) has filed with the SEC in the last 24 months is listed below, newest first, and each one links through to the document itself with the summary and the scores our analysis gives it.
A 10-Q covers the quarterly report filed between annual reports, so if you follow ROOT and want that one kind of document rather than the whole filing history, this is the page to keep. The company's other filings, of every form, are on the full ROOT filings page.
Root, Inc., a technology-focused auto and renters insurer, reported solid profitability for the quarter ended June 30, 2026. Total revenue was $389.2 million, with net premiums earned of $363.5 million and net income of $25.4 million, up from $22.0 million a year earlier. For the first six months, net income reached $61.3 million on revenue of $782.7 million.
Underwriting performance remained profitable: the net combined ratio was 92.1% for the quarter and 91.7% year-to-date, below 100%, while the gross combined ratio was 91.9%. Policies in force increased to 483,921, though premiums per policy declined. Root reduced its use of quota share reinsurance, retaining more premium and losses, and recorded favorable prior-year reserve development of $28.5 million for the half-year.
Liquidity shifted as cash, cash equivalents and restricted balances totaled $574.8 million at June 30, 2026, with investments rising to 517.1 million. The company refinanced its term debt with a new $200.0 million senior secured loan maturing in 2029 and began a $75.0 million share repurchase program, buying back 0.4 million Class A shares for $20.8 million year-to-date.
Root, Inc. reported sharply improved profitability for the quarter, with net income rising to $35.9 million from $18.4 million a year earlier as net premiums earned increased to $363.7 million. Gross combined ratio improved to 90.7% and net combined ratio to 91.4%, indicating underwriting profit.
Policies in force grew to 495,429, while gross premiums written slipped to $389.0 million as the company cut direct marketing spend and reduced quota‑share reinsurance. Root ended the quarter with $597.2 million of cash and cash equivalents and $467.1 million of marketable securities.
After quarter‑end, Root refinanced its $200.0 million term loan, lowering the interest margin, and its board authorized a share repurchase program of up to $75.0 million of Class A common stock.
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.