ROOT at a glance
Root, Inc. (ROOT, SEC CIK 1788882) filed its latest 10-K annual report on February 25, 2026, a 10-Q quarterly report on August 5, 2026, an 8-K current report on September 1, 2026 and Form 4 insider filings as recently as September 22, 2026. SignalX summarizes each filing with AI and tracks the company's insider trades and institutional holders.
- For the fiscal year ended December 31, 2025 (FY2025), Root, Inc. (ROOT) reported revenue of $1.5 billion (up 29.0% from FY2024) and net income of $40.3 million. Diluted EPS was $2.36.
- As of June 30, 2026, 25 institutional investment managers tracked by SignalX reported holding Root, Inc. (ROOT) shares worth $194.3 million in 13F-HR filings.
Source: SEC EDGAR (XBRL financial data, 13F-HR and Form 4 filings).
- Revenue · FY2025
- $1.5B
- +29.0% vs prior year
- Insiders · 90 days
- 0 buys · 0 sells
- No open-market trades
- 13F holders
- 25 funds
- $194.3M · −1 vs prior quarter
- Latest 8-K
- Sep 1, 2026
- Item 1.01
AI 10-Q Quarterly Report Analysis
Latest 10-Q, quarter ended Jun 30, 2026
Management Discussion & Analysis
- Gross premiums earned $368.1M, down from $371.3M YoY
- Net income $25.4M vs $22.0M YoY; adjusted EBITDA $43.8M vs $37.6M
- Net combined ratio 92.1% vs 95.2% YoY; net expense ratio 26.1% vs 29.1%
- Policies in force 483,921 vs 455,493 YoY; premiums per policy $1,479 vs $1,616
- Inflation, vehicle repair, and medical costs increasing claims severity; future reinsurance changes may raise capital requirements
Risk Factors
- No risk-factors section provided; supplied text covers repurchases, dividends, restrictions, and exhibits
- Regulatory risk: Ohio and Florida insurance subsidiaries require regulator approval for dividends
- Financial risk: senior secured loan covenants require liquidity levels and restrict dividends, distributions, and share repurchases
- Capital-allocation risk: $54.3 million remained under the $75.0 million repurchase authorization at June 30, 2026
- Compliance risk: 1% excise tax applies to share repurchases under the Inflation Reduction Act of 2022
AI summary of the ROOT 10-Q filed . Generated from the filing text; verify against the original.View on SEC EDGAR10-K vs 10-Q vs 8-K
AI 8-K Current Report Analysis
The most recent material events, by 8-K item
Item 1.01: Entry into a Material Definitive Agreement
- New warrant issued to Carvana under a private-placement exemption from Securities Act registration
- Carvana represented accredited-investor status and investment intent
Item 7.01: Regulation FD Disclosure
- Updated investor presentation with company and industry information
- Financial highlights available at ir.joinroot.com
Item 2.02: Results of Operations and Financial Condition
- Item 2.02 references Root’s August 5, 2026 shareholder letter covering fiscal-year results
- Investor-relevant operating and financial details are contained in Exhibit 99.1
Item 5.07: Submission of Matters to a Vote of Security Holders
- Shareholders re-elected Lawrence Hilsheimer, Alexander Timm and Douglas Ulman as Class III directors through the 2029 annual meeting
- Alexander Timm received strongest support, with 25,543,235 votes for and 853,515 against
Item 5.03: Amendments to Articles of Incorporation or Bylaws
- Stockholders approved officer exculpation protections at the June 3, 2026 annual meeting
- Certificate amendment eliminates certain officers’ monetary liability, similar to existing director protections
AI summaries of ROOT 8-K current reports filed with the SEC. What 8-K item codes mean
SignalX for ROOT
Don't miss the next ROOT filing
- Alerts as it files. A push when ROOT files an 8-K or an insider trades.
- Fund moves. Which tracked funds opened, added or cut ROOT, by share count.
- Ask anything. An AI agent that reads every ROOT filing and answers with sources.
ROOT alerts on your phone. Follow it in the SignalX Android app.
Recent Insider Transactions (Form 4)
Latest reported trades by officers, directors and 10% owners
| Insider | Type | Date | Shares | Price |
|---|---|---|---|---|
| Forish Ryan | F | Sep 21, 2026 | 294 | $49.78 |
| Forish Ryan | F | Sep 15, 2026 | 490 | $53.60 |
| CARVANA GROUP, LLC | J | Aug 31, 2026 | 1,287,916 | - |
| CARVANA GROUP, LLC | J | Aug 31, 2026 | 305,112 | - |
| CARVANA GROUP, LLC | J | Aug 31, 2026 | 1,503,428 | - |
| CARVANA GROUP, LLC | J | Aug 31, 2026 | 1,452,587 | - |
| CARVANA GROUP, LLC | J | Aug 31, 2026 | 305,112 | - |
| CARVANA GROUP, LLC | J | Aug 31, 2026 | 1,491,907 | - |
Financial SummaryXBRL
| Metric | FY2023 | FY2024 | FY2025 |
|---|---|---|---|
| Profitability | |||
| Revenue | $455.0M | $1.2B | $1.5B |
| Operating Income | - | $78.5M | $61.8M |
| Net Income | -$147.4M | $30.9M | $40.3M |
| Op. Margin | - | 6.7% | 4.1% |
| Net Margin | -32.4% | 2.6% | 2.7% |
| Balance Sheet | |||
| Total Assets | - | $1.5B | $1.7B |
| Equity | $165.7M | $203.7M | $284.3M |
| ROE | -89.0% | 15.2% | 14.2% |
| Per Share | |||
| EPS | - | $1.83 | $2.36 |
| Cash Flow | |||
| Operating CF | - | $195.7M | $206.5M |
| CapEx | $200K | $400K | $0 |
Source: XBRL data in Root, Inc. (ROOT)'s 10-K filings on SEC EDGAR, in USD. Compare across companies →
13F Fund Holdings: Quarterly Trend
Latest: Q2 2026Aggregate ROOT share value held by 13F filers tracked by SignalX, by quarter.
Quarterly totals table
| Quarter | Funds | Total value |
|---|---|---|
| Q2 2026 | 25 | $194.3M |
| Q1 2026 | 26 | $149.6M |
| Q4 2025 | 25 | $303.0M |
| Q3 2025 | 27 | $354.4M |
| Q2 2025 | 26 | $489.6M |
| Q1 2025 | 23 | $365.4M |
| Q4 2024 | 17 | $147.8M |
| Q3 2024 | 13 | $48.1M |
- BlackRock+98.9K (+9%)
- Citadel Advisors LLC+68.1K (+350%)
- State Street Corp+24.8K (+9%)
- Two Sigma Investments+22.8K (+75%)
- AQR Capital Management+21.5K (+101%)
- Millennium Management−105.0K (-71%)
- Dimensional Fund Advisors−63.2K (-42%)
- Bank of America Corp−22.1K (-17%)
- JPMorgan Chase & Co−10.1K (-20%)
- Goldman Sachs Group−5.0K (-3%)
- Ameriprise Financial−7.7K
Source: 13F-HR filings on SEC EDGAR (aggregated from 182 fund-quarter rows). Reflects only 13F filers tracked by SignalX, not the full institutional ownership universe. How 13F filings work
ROOT filing archive
AI analysis pages for each 10-K, 10-Q and 8-K
10-Q quarterly reports
8-K current reports
Latest 2026 SEC Filings: 10-K, 10-Q, 8-K & Form 4
| Form | Filing date | Period | Analysis | SEC |
|---|---|---|---|---|
| 4 | Sep 22, 2026 | - | - | - |
| 4 | Sep 17, 2026 | - | - | - |
| 4 | Sep 2, 2026 | - | - | - |
| 8-K | Sep 1, 2026 | - | Analysis | - |
| 4 | Aug 24, 2026 | - | - | - |
| 4 | Aug 24, 2026 | - | - | - |
| 10-Q | Aug 5, 2026 | Jun 30, 2026 | Analysis | |
| 8-K | Aug 5, 2026 | - | Analysis | - |
| 4 | Jun 23, 2026 | - | - | - |
| 4 | Jun 16, 2026 | - | - | - |
| 8-K | Jun 8, 2026 | - | Analysis | |
| 4 | Jun 4, 2026 | - | - | |
| 4 | Jun 4, 2026 | - | - | |
| 4 | Jun 4, 2026 | - | - | |
| 4 | Jun 4, 2026 | - | - | |
| 4 | Jun 4, 2026 | - | - | |
| 4 | Jun 4, 2026 | - | - | |
| 4 | Jun 4, 2026 | - | - | |
| 4 | May 22, 2026 | - | - | |
| 4 | May 18, 2026 | - | - | |
| 10-Q | May 6, 2026 | Mar 31, 2026 | Analysis | |
| 8-K | May 6, 2026 | - | Analysis | |
| 4 | May 4, 2026 | - | - | - |
| 4 | Apr 8, 2026 | - | - | - |
| 4 | Apr 3, 2026 | - | - | - |
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ROOT SEC filings: frequently asked questions
Which institutions hold ROOT stock?
As of June 30, 2026, the largest Root, Inc. (ROOT) holders among the 13F filers tracked by SignalX were BlackRock ($64.3 million), Vanguard Capital Management LLC ($29.5 million), State Street Corp ($16.3 million), Renaissance Technologies LLC ($13.7 million), Morgan Stanley ($8.3 million). 13F-HR reports are filed up to 45 days after each quarter ends.
What was ROOT's revenue in fiscal year 2025?
For the fiscal year ended December 31, 2025 (FY2025), Root, Inc. (ROOT) reported revenue of $1.5 billion (up 29.0% from FY2024) and net income of $40.3 million. Diluted EPS was $2.36. The figures come from the XBRL data in the 10-K.
What did ROOT report in its latest 8-K?
Root, Inc. (ROOT) filed an 8-K on September 1, 2026 reporting Item 1.01 (Entry into a Material Definitive Agreement). New warrant issued to Carvana under a private-placement exemption from Securities Act registration.
What are the latest ROOT SEC filings?
Root, Inc. (ROOT) filed its latest 10-K annual report on February 25, 2026, a 10-Q quarterly report on August 5, 2026, an 8-K current report on September 1, 2026 and a Form 4 insider filing on September 22, 2026.
What is ROOT's SEC CIK number?
Root, Inc. (ROOT)'s SEC Central Index Key (CIK) is 1788882. EDGAR lists every ROOT filing under that number.
Ask anything about ROOT
The research agent reads ROOT's filings, financials, insider trades and 13F holders, then answers with sources.