---
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"
generated_at: "2026-05-16T00:24:34.402671+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Root reports FY 2025 net income of $40M; revenue up 29% to $1.5B; announces Toyota data partnership

## Summary
- 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%.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001788882-26-000013
- JSON: https://secwatch.observer/filing/0001788882-26-000013.json
- Plain text: https://secwatch.observer/filing/0001788882-26-000013.txt

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