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 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 $61.59 per share to satisfy tax withholding obligations from the PSU vesting, rather than through open-market sales.
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.
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.
Root, Inc. insider sale due to tax withholding — The filing shows that Ryan Forish, Chief Accounting Officer and director at Root, Inc. (ROOT), had 1,195 shares of Class A common stock disposed on 09/22/2025 at a price of $102.88 per share. The form states these shares were withheld by the issuer to satisfy tax withholding obligations related to the vesting of restricted stock units. After the transaction, Forish beneficially owns 20,577 shares of Class A common stock, held directly. The filing was signed on 09/23/2025 by an attorney-in-fact.
Root, Inc. insider sale due to tax withholding — The filing shows that Ryan Forish, Chief Accounting Officer and director at Root, Inc. (ROOT), had 1,195 shares of Class A common stock disposed on 09/22/2025 at a price of $102.88 per share. The form states these shares were withheld by the issuer to satisfy tax withholding obligations related to the vesting of restricted stock units. After the transaction, Forish beneficially owns 20,577 shares of Class A common stock, held directly. The filing was signed on 09/23/2025 by an attorney-in-fact.