secwatch.observer — SEC 8-K summary
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Issuer:     Root, Inc. (ROOT)
CIK:        0001788882
Form:       8-K
Filed at:   2026-02-25T23:59:59+00:00
Accession:  0001788882-26-000013
Event type: earnings
Sentiment:  positive
Materiality: 0.75
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1788882/000178888226000013/0001788882-26-000013-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1788882/000178888226000013/root-20260225.htm
  HTML page:      https://secwatch.observer/filing/0001788882-26-000013

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