{"schema_version":"secwatch.filing_event.v1","accession":"0001788882-26-000060","form_type":"8-K","ticker":"ROOT","cik":"0001788882","company_name":"Root, Inc.","filed_at":"2026-08-05T20:05:55+00:00","discovered_at":"2026-08-05T20:07:00.324022+00:00","generated_at":"2026-08-05T20:09:06.792438+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Root Q2 net income $25M (+15% YoY), revenue $389M, policies up 6% to 484K","bullets":["Net income $25M (+15% YoY); adjusted EBITDA $44M (+16% YoY).","Revenue $389M (+2% YoY); gross written premium $340M (-2% YoY).","Policies in force 484K (+6% YoY); net combined ratio 92.1%.","Repurchased >$20M shares under $75M authorization; refinanced $200M debt.","Launched in New Jersey; partnership with Jerry; next-gen pricing model expected Q4."],"urls":{"canonical":"https://secwatch.observer/filing/0001788882-26-000060","json":"https://secwatch.observer/filing/0001788882-26-000060.json","markdown":"https://secwatch.observer/filing/0001788882-26-000060.md","text":"https://secwatch.observer/filing/0001788882-26-000060.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1788882/000178888226000060/0001788882-26-000060-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1788882/000178888226000060/root-20260805.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-08-05T20:09:06.792438+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"}