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. Chief Administrative Officer Jonathan Allison reported an open-market sale of 3,900 shares of Class A Common Stock on March 5, 2026 at $48.05 per share. The shares were sold under a Rule 10b5-1 trading plan, and Allison now directly holds 97,779 shares of Root stock.
ROOT filed a Form 144 reporting the sale of 3,900 Class A shares. The notice lists an aggregate amount of $186,732.00 and a sale date of 03/03/2026 on NASDAQ. The filing also lists restricted stock vesting entries on 02/03/2025 (166 shares), 02/18/2025 (14 shares) and 04/01/2025 (3,720 shares).
Root, Inc.’s Chief Administrative Officer Jonathan Allison sold 3,900 shares of Class A Common Stock in an open‑market transaction. The sale took place on March 3, 2026 at a price of $47.88 per share, under a prearranged Rule 10b5‑1 trading plan.
After this transaction, Allison directly owns 101,679 shares of Root, Inc. common stock. A 10b5‑1 plan allows insiders to schedule trades in advance, helping separate routine portfolio moves from day‑to‑day market or company‑specific news.
Root, Inc. received an updated ownership report from Carvana-affiliated entities. Carvana Group, LLC, Carvana Co. Sub LLC, and Carvana Co. together report beneficial ownership of 3,708,454 shares of Root Class A common stock on an as-converted, as-exercised basis.
The position reflects 780,727 shares issuable upon conversion of 14,053,096 shares of Preferred Stock and 2,927,727 shares issuable upon exercise of certain warrants. This corresponds to about 21.2% of Root’s outstanding Class A shares and 19.3% of total common stock as of February 18, 2026.
Carvana Group, LLC holds five warrant tranches expiring on September 1, 2027, with exercise prices from $180.00 to $540.00. Tranche 1, for 1,435,820 shares, became exercisable on September 1, 2025, and Tranche 2, for 1,491,907 shares, became exercisable on February 28, 2026, in each case upon achieving defined insurance sales metrics through an integrated platform.
ROOT submitted a Form 144 notice listing proposed sales of Class A shares tied to restricted stock vesting and compensation across multiple vesting dates. The filing lists individual vesting events with per-date share quantities such as 1,230 (04/01/2024), 1,173 (04/02/2024) and other smaller grants, and includes broker information for Fidelity Brokerage Services LLC. The filing date shown is 03/03/2026 and the securities are listed on NASDAQ.
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.