Short answer
Root, Inc. (ROOT) filed its Q1 2026 10-Q quarterly report on May 6, 2026 for the quarter ended Mar 31, 2026. Quarterly revenue was $394M (up 12.6% year over year) with net income of $36M.
Q1 2026 key financials · XBRL
- Revenue
- $394M
- +12.6% YoY
- Net income
- $36M
- +95.1% YoY
- Operating margin
- 10.4%
- EPS (diluted)
- $2.09
- +95.3% YoY
Source: XBRL data from the Root, Inc. (ROOT) Q1 2026 10-Q on SEC EDGAR. USD.
Root, Inc. Q1 2026 10-Q analysis
AI summary of MD&A and risk factor updates
Management Discussion & Analysis
- Revenue $393.5M, up 12.6% YoY from $349.4M
- Net income $35.9M, up 95.1% YoY from $18.4M
- Net combined ratio 91.4% vs 95.6% YoY
- Premiums in force $1,492.2M vs $1,464.9M, while premiums per policy fell to $1,506 from $1,614
- Gross premiums earned $370.3M vs $344.4M, with partnership-channel growth and reduced reinsurance cessions driving gains
Risk Factors
- No risk-factors section provided; excerpt contains Items 2–6 and does not identify quarterly changes
- Regulatory risk: Ohio and Florida insurance subsidiaries require regulatory approval for dividend payments
- Financial risk: Amended Term Loan requires minimum liquidity levels and restricts dividends, distributions, and share repurchases
- Capital risk: Regulators may prevent distributions that reduce statutory surplus to inadequate levels
- Shareholder-return risk: No cash dividends anticipated in the foreseeable future
Generated from the filing text; verify against the original. 10-K vs 10-Q vs 8-K
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