Root, Inc.
ROOTNasdaqFinancials · Fire, Marine & Casualty Insurance · DE · SEC filings ↗ · Compare ⊕
View price & chart on Yahoo Finance ↗Financials
SEC XBRL · annual| FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | |
|---|---|---|---|---|---|---|
| Revenue | $1.52B | $1.18B | $455.0M | $310.8M | $345.4M | $124.0M |
| Operating income | $61.8M | $78.5M | −$101.3M | −$263.1M | −$485.2M | −$285.3M |
| Net income | $40.3M | $30.9M | −$147.4M | −$297.7M | −$521.1M | −$105.6M |
| Total assets | $1.67B | $1.50B | $1.35B | $1.31B | $1.32B | $1.76B |
| Total liabilities | $1.28B | $1.18B | $1.07B | $923.8M | $670.9M | $729.9M |
| Equity | $284.3M | $203.7M | $165.7M | $277.1M | $536.4M | $1.03B |
| EPS (diluted) | $2.36 | $1.83 | $-10.24 | $-21.11 | $-37.76 | $-86.43 |
| Shares out. | 17.1M | 16.9M | 14.4M | 14.1M | 13.8M | 4.2M |
Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.
Key ratios
from filings · FY2025- Operating margin
- 4.1%
- Net margin
- 2.7%
- Return on equity
- 14.2%
- Return on assets
- 2.4%
- Return on capital (ROCE)
- —
- Liabilities / assets
- 76.3%
- Debt / equity
- 4.50×
- Book value / share
- $16.63
- Revenue growth (YoY)
- 29.0%
- Net income growth (YoY)
- 30.4%
Computed from the company's own SEC figures — no market price, so these are facts, not a valuation. Book value per share is reported equity ÷ shares; it is not the stock price.
Financial health
forensic scores · FY2025- Accruals / assets
- −9.9%clean
- Piotroski F-Score
- 6/8mixed
Altman Z″is a textbook bankruptcy-distress score from book values only (>2.6 safe · 1.1–2.6 grey · <1.1 distress). Accruals = (net income − operating cash flow) ÷ assets; persistently high accruals are an earnings-quality red flag. Beneish M-Scoreis an eight-ratio screen comparing this year with last (M > −1.78 = elevated manipulation-risk screen, not proof). Piotroski F-Scorecounts how many of nine fundamental-health checks pass (shown as passed / applicable; we use operating margin and total liabilities as documented proxies where the exact input isn't XBRL-tagged). Computed from SEC filings — descriptive factors, not advice or a forecast.
Quality score
EDS ScoreOur own multi-factor score from free SEC data — profitability, growth, financial strength, earnings quality, and event/ownership catalysts. No market price and no licensed model: each axis is the share of source-backed checks it passes. Descriptive factors, not advice or a forecast. What these scores mean →
Signs
● 1 warning● 4 good- High leverage (liabilities > 70% of assets)
- Operating margin is positive
- Revenue is growing year-over-year
- Positive operating cash flow
- Clean earnings (low accruals)
Derived from the company's own SEC figures (fundamentals, forensic scores, filing discipline) — descriptive factors, not advice or a forecast.
Insider transactions
SEC Form 4 · most recent| Insider | Date | Type | Shares | Price |
|---|---|---|---|---|
| Forish RyanOfficer — Chief Accounting Officer | May 21, 2026 | Tax withholding | 351 | $57.85 |
| Allison JonathanOfficer — Chief Administrative Officer | May 15, 2026 | Sell | 1,606 | $55.96 |
| Allison JonathanOfficer — Chief Administrative Officer | May 12, 2026 | Sell | 1,706 | $55.74 |
| Forish RyanOfficer — Chief Accounting Officer | May 1, 2026 | Tax withholding | 82 | $55.05 |
| Allison JonathanOfficer — Chief Administrative Officer | Apr 7, 2026 | Sell | 1,706 | $44.35 |
| Timm Alexander E.Officer — Chief Executive Officer | Apr 1, 2026 | Tax withholding | 14,965 | $43.26 |
| Bonakdarpour MahtiyarOfficer — President and CTO | Apr 1, 2026 | Tax withholding | 1,642 | $43.26 |
| Binkley MeganOfficer — Chief Financial Officer | Apr 1, 2026 | Tax withholding | 8,081 | $43.26 |
| Allison JonathanOfficer — Chief Administrative Officer | Apr 1, 2026 | Tax withholding | 8,081 | $43.26 |
| Allison JonathanOfficer — Chief Administrative Officer | Mar 20, 2026 | Sell | 3,990 | $44.78 |
| Forish RyanOfficer — Chief Accounting Officer | Mar 20, 2026 | Tax withholding | 294 | $45.59 |
| Allison JonathanOfficer — Chief Administrative Officer | Mar 17, 2026 | Sell | 3,990 | $45.00 |
Headline trade per Form 4 (officers, directors, 10%+ owners). Buy/sell read from the filing's structured data — blank where a field isn't cleanly tagged.
Short interest
FINRA · bi-monthly| Settlement | Shares short | Days to cover | Δ vs prior |
|---|---|---|---|
| May 15, 2026 | 1.9M | 5.4 | +1.4% |
| Apr 30, 2026 | 1.8M | 6.8 | -9.8% |
| Apr 15, 2026 | 2.0M | 6.3 | -7.2% |
| Mar 31, 2026 | 2.2M | 7.5 | -12.2% |
| Mar 13, 2026 | 2.5M | 6.0 | +0.1% |
Shares sold short as reported to FINRA. Days-to-cover = short shares ÷ average daily volume — higher means more potential squeeze pressure.
Material events
SEC Form 8-K · most recent- Entered a material agreement · Terminated a material agreement · Results of operations · New financial obligation · Regulation FD disclosureMay 6, 2026
- Results of operationsFeb 25, 2026
- Results of operations · Regulation FD disclosureNov 5, 2025
- Results of operations · Regulation FD disclosureAug 6, 2025
- Shareholder voteJun 6, 2025
- Results of operations · Regulation FD disclosureMay 7, 2025
- Results of operationsFeb 26, 2025
- Director / officer changeNov 15, 2024
Events the company reported on Form 8-K, labelled by the SEC item code it filed under — its own classification, not our interpretation.
Recent SEC filings
All filings ↗Event-driven situations (2)
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