Every 8-K 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 8-K covers material events a company has to report between its quarterly 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. (ROOT) restructured its equity and commercial arrangements with Carvana Group, LLC. Root cancelled all outstanding long-term warrants previously issued to Carvana and simultaneously issued a new Common Stock Purchase Warrant giving Carvana the opportunity to purchase up to 1,525,560 shares of Class A Common Stock, split into five independently exercisable tranches of 305,112 shares each. Each tranche is subject to defined conditions tied in part to insurance-sales milestones on the integrated automobile insurance solution offered through Carvana’s online platform.
On the same date, Root and Carvana entered into a Second Amendment to their Commercial Agreement to adjust the term, non-renewal notice, the definition of “Company Warrants,” and certain commercial and exclusivity terms. They also executed a Second Amendment to the Investment Agreement and a First Amendment to the Registration Rights Agreement to reflect the warrant restructuring. The new warrant was issued as an unregistered security under Section 4(a)(2) of the Securities Act, with Carvana representing that it is an accredited investor acquiring the warrant for investment purposes.
Root, Inc. reported results for the quarter ended June 30, 2026, with total revenues of $389.2 million and net income of $25.4 million, compared with $382.9 million and $22.0 million a year earlier. Adjusted EBITDA reached $43.8 million, and the net combined ratio was 92.1%, reflecting profitable underwriting.
Gross premiums written were $339.7 million and gross premiums earned were $368.1 million, while policies in force rose to 483,921 from 455,493. Partnership and independent agent channels generated about 51% of new writings, up from roughly 44% a year earlier. The company refinanced $200 million of debt into a new term loan facility, repurchased more than $20 million of shares under a $75 million authorization, and ended the quarter with $509.6 million of cash and cash equivalents plus $65.2 million of restricted cash.
Root, Inc. reported results from its 2026 Annual Meeting of Stockholders. Stockholders approved an amendment to the Amended and Restated Certificate of Incorporation to extend Delaware law exculpation protections to certain officers, similar to protections already provided to directors. The Certificate Amendment became effective upon filing with the Delaware Secretary of State on June 4, 2026.
Stockholders elected Class III directors Lawrence Hilsheimer, Alexander Timm and Douglas Ulman to terms expiring at the 2029 Annual Meeting. They also ratified Deloitte & Touche LLP as independent auditor for the year ending December 31, 2026 and approved, on an advisory basis, named executive officer compensation.
Root, Inc. reported its most profitable quarter ever and reshaped its capital structure. For Q1 2026, the company generated net income of $35.9 million, up from $18.4 million a year earlier, on total revenue of $393.5 million. Net premiums earned rose to $363.7 million, while the net combined ratio improved to 91.4%, reflecting stronger underwriting and expense control.
Root entered a new $200 million senior secured term loan led by The Huntington National Bank, maturing May 4, 2029, and used the proceeds to repay its existing $200 million term loan. The refinancing reduces borrowing costs by about 225 basis points and is expected to save roughly $4.5 million in annual interest. The board also authorized a $75 million Class A share repurchase program, adding flexibility to return capital alongside ongoing investments in AI-driven pricing, claims, and distribution growth.
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. (ROOT) reported quarterly results for the period ended September 30, 2025, via a Shareholder Letter furnished as Exhibit 99.1. The company also made an updated investor presentation available on its investor relations website at ir.joinroot.com.
The materials under Items 2.02 and 7.01 are furnished and not filed under the Exchange Act. This update provides investors with the company’s latest operating highlights and financial commentary as of the quarter’s end.