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Root, Inc. ROOT Q4 2025 Annual earnings

Reported February 25, 2026 · After market close

Revenue$397.0MBeat by $13.7M
EPS$0.31Beat by $0.28
Revenue estimate$383.3M
EPS estimate$0.03

Next report

Aug 5, 2026 (In 6 days)
Revenue estimate$395.1M
EPS estimate$0.83

Financials

Q4 2025

Income statement

See full
Revenue$397.0M+21.5%
Operating income$10.5M-69.9%
Net income$5.3M-76.0%
EPS (diluted)$0.31-76.3%

Balance sheet

See full
Cash & equivalents$689.9M+14.9%
Total debt$204.6M-0.7%
Total equity$284.3M+39.6%
Total assets$1.7B+12.0%

Cash flow

See full
Operating cash flow$70.1M+1.3%
CapEx-—
Free cash flow$70.1M+1.3%

Valuation & ratios

Valuation

as of 12/31/25
See full
Market cap$1.12B+2.2%
Enterprise value$634.91M-9.5%
P/E27.8×-7.7×
P/S0.7×-0.2×

Profitability

See full
Operating margin4.1%-2.6pp
Net margin2.7%0.0pp
FCF margin13.6%-3.0pp

Returns & leverage

See full
Return on equity16.5%-0.2pp
Debt / equity0.7×-0.3×

Versus estimates

Revenue

Q1 2026$393.5MMiss by $4.7M
Q4 2025$397.0MBeat by $13.7M
Q3 2025$387.8MBeat by $6.2MQ2 2025$382.9MBeat by $43.8MQ1 2025$9.4MMiss by $297.4MQ4 2024$326.7MBeat by $38.9M

Diluted EPS

Q1 2026$2.09Beat by $1.25
Q4 2025$0.31Beat by $0.28
Q3 2025-$0.35Beat by $0.08Q2 2025$1.29Beat by $0.23Q1 2025$1.07Beat by $0.62Q4 2024$1.30Beat by $1.93

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Questions, answered.

When did Root, Inc. report Q4 2025 earnings?
Root, Inc. (ROOT) reported Q4 2025 earnings on February 25, 2026 after market close.
What were Root, Inc.'s Q4 2025 revenue and EPS?
Root, Inc. reported revenue of $397.0M and eps of $0.31 for Q4 2025.
Did Root, Inc. beat estimates in Q4 2025?
Revenue beat the consensus estimate of $383.3M by $13.7M. EPS beat the consensus estimate of $0.03 by $0.28.
How did Root, Inc.'s Q4 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 21.5% from $326.7M a year earlier and eps declined 76.2% from $1.30.
Where can I find Root, Inc.'s Q4 2025 SEC filings?
You can read the 8-K earnings release (0001788882-26-000013) and the 10-K periodic report (0001788882-26-000014) directly on SEC EDGAR. The filing index links above go to sec.gov.