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Root, Inc. ROOT Q3 2025 earnings

Reported November 5, 2025 · After market close

Revenue$387.8MBeat by $6.2M
EPS-$0.35Beat by $0.08
Revenue estimate$381.6M
EPS estimate-$0.43

Next report

Nov 4, 2026 (in 2 months)
Revenue estimate$382.8M
EPS estimate$0.55

Financials

Q3 2025

Income statement

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Revenue$387.8M+26.9%
Operating income$300.0K-99.1%
Net income-$5.4M-124%
EPS (diluted)-$0.35-126%

Balance sheet

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Cash & equivalents$654.4M-3.2%
Total debt$200.4M-33.4%
Total equity$265.0M+45.7%
Total assets$1.6B+5.2%

Cash flow

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Operating cash flow$57.6M+16.6%
CapEx-—
Free cash flow$57.6M+16.6%

Valuation & ratios

Valuation

as of 09/30/25
See full
Market cap$1.38B+144%
Enterprise value$928.69M+384%
P/E24.2×—
P/S1×+0.4×

Profitability

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Operating margin6%+3.0pp
Net margin3.9%+3.1pp
FCF margin14.2%—

Returns & leverage

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Return on equity25.6%+20.5pp
Debt / equity0.8×-0.9×

FAQ

When did Root, Inc. report Q3 2025 earnings?
Root, Inc. (ROOT) reported Q3 2025 earnings on November 5, 2025 after market close.
What were Root, Inc.'s Q3 2025 revenue and EPS?
Root, Inc. reported revenue of $387.8M and eps of $-0.35 for Q3 2025.
Did Root, Inc. beat estimates in Q3 2025?
Revenue beat the consensus estimate of $381.6M by $6.2M. EPS beat the consensus estimate of $-0.43 by $0.08.
How did Root, Inc.'s Q3 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 26.9% from $305.7M a year earlier.
Where can I find Root, Inc.'s Q3 2025 SEC filings?
You can read the 8-K earnings release (0001788882-25-000047) and the 10-Q periodic report (0001788882-25-000048) directly on SEC EDGAR. The filing index links above go to sec.gov.