---
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"
generated_at: "2026-08-05T20:09:06.792438+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Root Q2 net income $25M (+15% YoY), revenue $389M, policies up 6% to 484K

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001788882-26-000060
- JSON: https://secwatch.observer/filing/0001788882-26-000060.json
- Plain text: https://secwatch.observer/filing/0001788882-26-000060.txt

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