{"schema_version":"secwatch.filing_event.v1","accession":"0001788882-26-000013","form_type":"8-K","ticker":"ROOT","cik":"0001788882","company_name":"Root, Inc.","filed_at":"2026-02-25T23:59:59+00:00","discovered_at":"2026-05-14T18:02:36.187954+00:00","generated_at":"2026-05-16T00:24:34.402671+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Root reports FY 2025 net income of $40M; revenue up 29% to $1.5B; announces Toyota data partnership","bullets":["FY 2025 revenue $1.5B (+29% YoY); net income $40M (+$9M YoY); adjusted EBITDA $132M.","Q4 2025 gross premiums written $362M; gross premiums earned $377M; net income $5M.","Policies in force growth in Q4 more than doubled the pace of Q4 2024.","New data partnership with Toyota affiliate CAS: owners of connected Toyotas can share driving data for instant Root quote.","Latest pricing model increased estimated average customer LTV by 20%."],"urls":{"canonical":"https://secwatch.observer/filing/0001788882-26-000013","json":"https://secwatch.observer/filing/0001788882-26-000013.json","markdown":"https://secwatch.observer/filing/0001788882-26-000013.md","text":"https://secwatch.observer/filing/0001788882-26-000013.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1788882/000178888226000013/0001788882-26-000013-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1788882/000178888226000013/root-20260225.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-16T00:24:34.402671+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"}