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. 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. reporting person Forish Ryan, identified as the company's Chief Accounting Officer, reported a transaction on 09/15/2025 related to Class A common stock. The Form 4 shows 499 shares were disposed of (transaction code F) at a price of $100.20 per share. The filing explains these shares were withheld by the issuer to satisfy tax withholding arising from the vesting of restricted stock units. After the withholding, Mr. Ryan beneficially owned 21,772 shares directly. The form is signed on behalf of the reporting person by an attorney-in-fact on 09/16/2025.
Root, Inc. (ROOT) Form 4 reports insider sales by Timm Alexander E., the company's Chief Executive Officer, Director and 10% owner. The filing shows four separate dispositions on 09/02/2025 executed pursuant to a 10b5-1 trading plan, totaling 10,861 shares of Class A common stock. Reported sale prices ranged across four tranches from approximately $87.875 to $90.39. After these transactions the reporting person beneficially owned 157,748 shares of Class A common stock. The filing was signed by an attorney-in-fact on behalf of the reporting person.
Mahtiyar Bonakdarpour, President and CTO of Root, Inc. (ROOT), reported a sale of 5,750 Class A common shares on 09/02/2025 at $89.74 per share executed pursuant to a 10b5-1 trading plan. Following the reported transaction, the filing shows 274,226 Class A shares beneficially owned directly and 149,294 held indirectly. The indirect holdings are attributable to three Drive Capital Overdrive funds with specific share counts disclosed in the footnote. The form is signed by an attorney-in-fact on behalf of the reporting person on 09/04/2025.
Amendment No. 11 to the Schedule 13D reports that Carvana Group, LLC and related reporting persons beneficially own an aggregate of 2,216,547 shares of Root, Inc. Class A common stock, representing approximately 14.0% of outstanding Class A shares (and ~12.5% on a fully-diluted, as-converted basis). The reported position includes 780,727 shares issuable upon conversion of Preferred Stock (14,053,096 preferred shares) and 1,435,820 shares issuable upon exercise of Exercisable Warrants. Short-term warrants expired September 1, 2025; one tranche of long-term warrants became exercisable September 1, 2025, with remaining warrants subject to milestone-based vesting and expirations through September 1, 2027. No other transactions in the prior 60 days were reported.