Recent 8-K filings for ROOT

• May 6, 2026, 7:59 PM ET earnings materiality 0.80 positive item 1.01item 1.02item 2.02item 2.03item 7.01item 9.01 ◈ Material Agreements ×2◈ Debt Financings◈ Earnings Releases

  Root Q1 net income $36M, record profitability; refinances debt, authorizes $75M buyback

  Record Q1 net income of $36M (nearly doubled YoY); operating income $41M, adjusted EBITDA $57M.

• February 25, 2026, 6:59 PM ET earnings materiality 0.75 positive item 2.02item 9.01

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

  FY 2025 revenue $1.5B (+29% YoY); net income $40M (+$9M YoY); adjusted EBITDA $132M.

• November 5, 2025, 6:59 PM ET earnings materiality 0.70 neutral item 2.02item 7.01item 9.01

  Root Q3 net loss $5M on $17M warrant charge; revenue +27%, gross loss ratio 59%

  Total revenue grew 27% YoY; net earned premium +29%; independent agent new writings tripled.

• August 6, 2025, 7:59 PM ET earnings materiality 0.80 positive item 2.02item 7.01item 9.01

  Root Q2 net income $22M, revenue $371M (+21% YoY); gross combined ratio improves to 94%

  Net income $22M vs ($8M) YoY; adjusted EBITDA $38M, +$26M YoY.

• May 7, 2025, 7:59 PM ET earnings materiality 0.75 positive item 2.02item 7.01item 9.01

  Root Q1 2025 net income $18M, adjusted EBITDA $32M, gross premiums +24% YoY

  Net income of $18M, up $25M YoY; net combined ratio 96% (improved 6 points).

• February 26, 2025, 6:59 PM ET earnings materiality 0.85 positive item 2.02item 9.01

  Root reports first profitable year with FY 2024 net income of $31M; gross combined ratio 94.7%

  FY 2024 net income $31M (vs. loss $147M in 2023); adjusted EBITDA $112M.

• October 30, 2024, 7:59 PM ET earnings materiality 0.90 positive item 2.02item 7.01item 9.01

  Root posts first-ever net income of $23M in Q3; refinances debt with BlackRock

  Net income of $23M vs loss of $46M YoY; adjusted EBITDA of $42M.

• August 7, 2024, 7:59 PM ET earnings materiality 0.85 positive item 2.02item 9.01

  Root Q2 2024 gross premiums earned $308M (+134% YoY); net loss improved 79% to $8M

  Policies-in-force nearly doubled to 406,283; gross premiums written rose 113% to $308M.

• April 30, 2024, 7:59 PM ET earnings materiality 0.80 positive item 2.02item 9.01 ◈ Earnings Releases

  Root achieves first operating income of $5M in Q1 2024; policies up 101%

  Gross combined ratio improved 23 pts YoY to 99.7%; net combined ratio improved 59 pts to 102%.

• February 21, 2024, 6:59 PM ET earnings materiality 0.75 positive item 2.02item 9.01 ◈ Earnings Releases

  Root Q4 net loss narrowed 59% to $24M; gross earned premiums up 50%

  Q4 operating loss $12M (improved 74% YoY); adjusted EBITDA loss $0.3M (improved 99% YoY).

Executive changes

Earnings & guidance

Materiality & sentiment trend

Max materiality 0.90 · Median 0.75 · Most common event earnings

9 positive 0 negative 7 neutral

source · ROOT on sec.gov