{"schema_version":"secwatch.filing_event.v1","accession":"0001788882-25-000047","form_type":"8-K","ticker":"ROOT","cik":"0001788882","company_name":"Root, Inc.","filed_at":"2025-11-05T23:59:59+00:00","discovered_at":"2026-05-14T18:02:40.468859+00:00","generated_at":"2026-05-17T00:21:46.870436+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"Root Q3 net loss $5M on $17M warrant charge; revenue +27%, gross loss ratio 59%","bullets":["Total revenue grew 27% YoY; net earned premium +29%; independent agent new writings tripled.","Gross loss ratio of 59% (below 60-65% target); UBI model 10% more predictive.","Net loss of $5M (vs net income of $23M a year ago) includes $17M non-cash Carvana warrant expense.","Adjusted EBITDA $34M, down $8M YoY; unencumbered capital $309M; expanded to Washington (36 states)."],"urls":{"canonical":"https://secwatch.observer/filing/0001788882-25-000047","json":"https://secwatch.observer/filing/0001788882-25-000047.json","markdown":"https://secwatch.observer/filing/0001788882-25-000047.md","text":"https://secwatch.observer/filing/0001788882-25-000047.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1788882/000178888225000047/0001788882-25-000047-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1788882/000178888225000047/root-20251105.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-17T00:21:46.870436+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"}