{"schema_version":"secwatch.filing_event.v1","accession":"0001628280-25-023144","form_type":"8-K","ticker":"ROOT","cik":"0001788882","company_name":"Root, Inc.","filed_at":"2025-05-07T23:59:59+00:00","discovered_at":"2026-05-14T18:02:49.729378+00:00","generated_at":"2026-05-22T08:39:48.154263+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Root Q1 2025 net income $18M, adjusted EBITDA $32M, gross premiums +24% YoY","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0001628280-25-023144","json":"https://secwatch.observer/filing/0001628280-25-023144.json","markdown":"https://secwatch.observer/filing/0001628280-25-023144.md","text":"https://secwatch.observer/filing/0001628280-25-023144.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1788882/000162828025023144/0001628280-25-023144-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1788882/000162828025023144/root-20250507.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-22T08:39:48.154263+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}