Short answer
Root, Inc. (ROOT) filed its Q2 2026 10-Q quarterly report on Aug 5, 2026 for the quarter ended Jun 30, 2026. Quarterly revenue was $389M (up 1.6% year over year) with net income of $25M.
Q2 2026 key financials · XBRL
- Revenue
- $389M
- +1.6% YoY · −1.1% QoQ
- Net income
- $25M
- +15.5% YoY · −29.2% QoQ
- Operating margin
- 8.9%
- EPS (diluted)
- $1.49
- +15.5% YoY · −28.7% QoQ
Source: XBRL data from the Root, Inc. (ROOT) Q2 2026 10-Q on SEC EDGAR. USD.
Root, Inc. Q2 2026 10-Q analysis
AI summary of MD&A and risk factor updates
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
Generated from the filing text; verify against the original. 10-K vs 10-Q vs 8-K
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