Root, Inc.
Root, Inc. (Nasdaq: ROOT) is a technology-driven insurance company that operates through its website at ir.joinroot.com. The company revolutionizes personal auto insurance by using telematics, behavioral data, and machine learning to offer fair, personalized rates based primarily on individual driving performance… From the company’s description.
Margins and return on equity change in ; everything else in percent. Fewer shares and less debt are shown plainly, not as bad news — it depends what you make of buybacks. Dotted labels explain each measure. is shown separately from the annual figures.
What Root, Inc. does
In the company’s own words
Root, Inc. (Nasdaq: ROOT) is a technology-driven insurance company that operates through its website at ir.joinroot.com. The company revolutionizes personal auto insurance by using telematics, behavioral data, and machine learning to offer fair, personalized rates based primarily on individual driving performance rather than traditional demographic pooling methods.
Root operates as a full-stack insurance carrier with three wholly-owned regulated United States insurance subsidiaries: Root Insurance Company (Ohio-domiciled), Root Property & Casualty Insurance Company (Ohio-domiciled), and Root Florida Insurance Company (Florida-domiciled). The company also maintains Root Reinsurance Company, Ltd., a Cayman Islands-based reinsurer. As of December 31, 2025, Root employed 1,256 full-time employees and operated in 36 states plus the District of Columbia.
The company distributes insurance through two primary channels: a direct channel featuring digital marketing, referrals, and channel media, and a partnership channel encompassing automotive and financial services integrations, such as its embedded insurance offering with Carvana, as well as an independent agent platform. Root's technology platform collects and analyzes thousands of driving variables including braking patterns, turning consistency, distracted driving indicators, and time-of-day driving data to create proprietary risk scoring models that enable more accurate underwriting and pricing.
Root's business model emphasizes a seamless customer experience across the entire lifecycle, from initial engagement through claims management, all facilitated through its mobile app available on iOS and Android. The company employs a capital-efficient reinsurance strategy utilizing excess of loss and quota share arrangements with leading global reinsurers to manage volatility and regulatory capital requirements.
The company targets the approximately $350 billion United States personal auto insurance market, which it believes is ripe for disruption due to outdated traditional risk assessment methods. Root's strategy focuses on accurate behavioral-based pricing, enhanced direct marketing efficiency, expansion of its partnership network, and growing its national auto insurance presence. The company holds 13 issued patents and multiple pending patent applications protecting its proprietary technology and data models.
Company details
- Sector
- Financials
- Industry
- Property & Casualty Insurance
- Headquarters
- COLUMBUS, OH
- Fiscal year end
- December
- CIK
- 1788882
- SIC
- 6331
Financial performance, year by year
Fiscal 2020–2025 · USDThe full income statement, balance sheet and cash flow for each of these years — every figure traceable to its filing — is on the Financials tab with a free account.
Who owns Root, Inc. — and what changed
Funds as of 2026Q2 · superinvestors as of 2026-06-30
Largest fund holders · Root, Inc.’s weight in each
Fund ownership is a floor, not a census — pensions, insurers and people holding shares directly are not visible here.
Fund ownership counts N-PORT filers only, so it is a floor rather than a census — pensions, insurers and direct holders are not visible here, and the remainder is not “held by individuals”.
Could not be determined for this company: bond issues.
Every fund and institutional holder, quarter by quarter, is on the Ownership tab with a free account.
Recent filings
All filings →Each filing opens into its own statements and disclosures here.
Put this business in context.
Compare this company with peers, find it in your funds and follow its financial history with your connected AI:
- “How do Root, Inc. and its peers compare on margins and cash generation over ten years?”
- “Where did five years of Root, Inc.'s earnings go — cash, debt, buybacks, reinvestment?”
- “What changed in Root, Inc.'s last four quarterly filings that the numbers alone won't show?”