Short answer
Root, Inc. (ROOT) filed its Q3 2025 10-Q quarterly report on Nov 5, 2025 for the quarter ended Sep 30, 2025. Quarterly revenue was $388M (up 26.9% year over year) with net income of −$5M.
Q3 2025 key financials · XBRL
- Revenue
- $388M
- +26.9% YoY · +1.3% QoQ
- Net income
- −$5M
- −123.7% YoY · −124.5% QoQ
- Operating margin
- 0.1%
- EPS (diluted)
- −$0.31
- −121.1% YoY · −124.0% QoQ
Source: XBRL data from the Root, Inc. (ROOT) Q3 2025 10-Q on SEC EDGAR. USD.
Root, Inc. Q3 2025 10-Q analysis
AI summary of MD&A and risk factor updates
Management Discussion & Analysis
- Revenue $387.8M, up 26.9% YoY from $305.7M
- Net income declined to $(5.4)M from $22.8M; operating income $0.3M vs $34.4M
- Net combined ratio 102.1% vs 91.1%; gross combined ratio 101.3% vs 89.2%
- Partnership channel drove policy growth; policies in force 466,320 vs 407,313
- Quota share reinsurance reduced; ceded gross premiums 3.5% vs 11.9% YoY, improving capital efficiency but increasing retained exposure
Risk Factors
- No material risk-factor changes provided; excerpt contains no “Risk Factors” section
- Insurance-subsidiary dividends require Ohio and Florida regulatory approval
- Regulators may restrict dividends to preserve statutory surplus
- Amended Term Loan covenants require liquidity levels and limit dividends, distributions, and share repurchases
Generated from the filing text; verify against the original. 10-K vs 10-Q vs 8-K
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