Root Q2 net income $22M, revenue $371M (+21% YoY); gross combined ratio improves to 94%

Root, Inc.

2025-Q2 EPS reported $2.36 revenue$732,300,000

Net income $22M vs ($8M) YoY; adjusted EBITDA $38M, +$26M YoY.
Gross earned premium $371M, +21% YoY; policies in force 455,493, +12% YoY.
Gross combined ratio 94%, improved 6 pts; gross loss ratio 58%.
Partnership channel new writings nearly tripled YoY; new pricing model boosts customer lifetime values ~20%.
Expect Q3 non-cash warrant expense of $16-18M related to Carvana agreement.

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