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.
Root, Inc. filings document the formal disclosures of a public car insurance technology company, including operating results, shareholder letters, Regulation FD investor materials, and governance matters in its proxy statement. The company's reports describe its auto insurance business, financial condition, industry commentary, executive compensation, equity awards, and stockholder voting items.
Material-event filings also cover capital-structure actions, including credit agreements, debt refinancing, guarantees, security interests, covenant packages, and limits tied to indebtedness, restricted payments, investments, asset sales, and risk-based capital requirements for U.S. insurance subsidiaries.
Root, Inc. Chief Administrative Officer Jonathan Allison sold 3,900 shares of Class A Common Stock in an open-market transaction at a price of $44.97 per share. The sale was made pursuant to a pre-arranged Rule 10b5-1 trading plan and represents a small portion of his holdings. After the transaction, Allison directly owned 93,879 shares, indicating this was a routine sale rather than a full exit from his position.
ROOT reported a proposed sale of Class A common stock consisting of 3,900 shares tied to restricted stock that vested on 04/01/2025. The filing lists two proposed sales by Jonathan A. Allison on 03/03/2026 and 03/05/2026, each showing 186,732.00 and 187,395.00 respectively.
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.