Root, Inc. Reports Strong 2025 Profitability and Revenue Growth, Exceeding $1.5 Billion in Total Revenue

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Root, Inc.'s 2025 annual report highlights a significant financial turnaround, reporting a net income of $40.3 million, building on the previous year's profit and marking a departure from its historical net losses. This positive performance is underpinned by robust revenue growth, with total revenues increasing by 29% to $1.517 billion, driven by a 15.7% rise in gross premiums written. The company also demonstrated strong operational efficiency, maintaining a healthy cash position and meeting all debt covenants. This report signals a strengthening financial position and successful execution of its business strategy.

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• Return to Profitability

  Root, Inc. reported a net income of $40.3 million for the fiscal year ended December 31, 2025, following a $30.9 million net income in 2024, marking a significant shift from its historical net losses.

• Substantial Revenue Growth

  Total revenues increased by 29.0% to $1,517.1 million in 2025, with gross premiums written rising by 15.7% to $1,505.8 million, driven by continued growth in its partnership channel.

• Strong Cash Position & Debt Compliance

  The company ended 2025 with $669.3 million in cash and cash equivalents and generated $206.5 million in operating cash flow, while successfully meeting all debt covenants.

• Executive 10b5-1 Plans

  Several key executives, including the CEO, President/CTO, CAO, and CFO, entered into Rule 10b5-1 trading plans in December 2025 for potential future sales of Class A common stock.

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Root, Inc.'s 2025 annual report highlights a significant financial turnaround, reporting a net income of $40.3 million, building on the previous year's profit and marking a departure from its historical net losses. This positive performance is underpinned by robust revenue growth, with total revenues increasing by 29% to $1.517 billion, driven by a 15.7% rise in gross premiums written. The company also demonstrated strong operational efficiency, maintaining a healthy cash position and meeting all debt covenants. This report signals a strengthening financial position and successful execution of its business strategy.