{"schema_version":"secwatch.filing_event.v1","accession":"0001788882-25-000030","form_type":"8-K","ticker":"ROOT","cik":"0001788882","company_name":"Root, Inc.","filed_at":"2025-08-06T23:59:59+00:00","discovered_at":"2026-05-14T18:02:44.998540+00:00","generated_at":"2026-05-17T19:46:22.077923+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"confidence":"high","headline":"Root Q2 net income $22M, revenue $371M (+21% YoY); gross combined ratio improves to 94%","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0001788882-25-000030","json":"https://secwatch.observer/filing/0001788882-25-000030.json","markdown":"https://secwatch.observer/filing/0001788882-25-000030.md","text":"https://secwatch.observer/filing/0001788882-25-000030.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1788882/000178888225000030/0001788882-25-000030-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1788882/000178888225000030/root-20250806.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-17T19:46:22.077923+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"}