Root Q1 2025 net income $18M, adjusted EBITDA $32M, gross premiums +24% YoY

Root, Inc.

2025-Q1 EPS reported $1.07 revenue$349,400,000

Net income of $18M, up $25M YoY; net combined ratio 96% (improved 6 points).
Gross premiums written +24% YoY; gross loss/LAE ratio improved 8 pts to 63%.
Adjusted EBITDA $32M, operating income $24M. Unencumbered capital $347M.
New partnerships with Hyundai Capital America and Experian; pending Michigan filing.
Q1 seasonally strong; company warns pace may not persist for rest of 2025.

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