---
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"
generated_at: "2026-05-22T08:39:48.154263+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001628280-25-023144
- JSON: https://secwatch.observer/filing/0001628280-25-023144.json
- Plain text: https://secwatch.observer/filing/0001628280-25-023144.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.