---
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"
generated_at: "2026-05-17T19:46:22.077923+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.8
- calibrated_materiality_score: 0.8
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001788882-25-000030
- JSON: https://secwatch.observer/filing/0001788882-25-000030.json
- Plain text: https://secwatch.observer/filing/0001788882-25-000030.txt

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