What are Root, Inc.'s total assets?

Root, Inc. (ROOT) holds $1.7B in total assets, up 6.3% year over year.

How much debt does Root, Inc. have?

Root, Inc. carries $200.3M in total debt against $325.9M of shareholders' equity, a debt-to-equity ratio of 0.61.

How much cash does Root, Inc. have?

Root, Inc. holds $608.9M in cash and equivalents.

Where does Root, Inc.'s balance sheet data come from?

Every line is extracted from Root, Inc.'s SEC filings (10-K and 10-Q) and tagged in XBRL. Switch between quarterly, annual, and trailing-twelve-month views, or open any line for its full history and peer comparisons.

Root, Inc. ROOT Balance Sheet Statement

Income Statement Balance Sheet Cash Flow Ratios Segments

Quarterly Annual TTM

YoY QoQ

Simplified Detailed

	Q1 '26	Q4 '25	Q3 '25	Q2 '25	Q1 '25
Cash and cash equivalents	$608.9M-11.7%	$689.9M+5.4%	$654.4M+1.9%	$642.5M+5.2%	$610.5M+1.7%
Restricted cash	$11.7M-43.2%	$20.6M+1,773%	$1.1M0.0%	$1.1M0.0%	$1.1M+10.0%
Trading assets	$49.6M—	——	$25.6M-19.7%	$31.9M-21.4%	$40.6M—
Premiums receivable	$350.8M+5.4%	$332.8M-5.6%	$352.5M+3.3%	$341.3M-5.4%	$360.7M+18.1%
Other non-current assets	$85.1M-1.3%	$86.2M-27.7%	$119.3M+2.5%	$116.4M+5.3%	$110.5M+7.1%
Long-term investments	$456.3M+17.9%	$387M+8.2%	$357.8M+12.1%	$319.2M+2.0%	$312.9M+7.2%
Available-for-sale securities	$294.1M—	——	$232.9M+8.1%	$215.4M+3.9%	$207.3M—
Deferred policy acquisition costs	$46.5M+4.7%	$44.4M+7.0%	$41.5M+7.2%	$38.7M+6.9%	$36.2M+23.5%
Reinsurance recoverables	$27.7M-17.3%	$33.5M-76.5%	$142.3M-2.2%	$145.5M-7.8%	$157.8M+4.8%
Total assets	$1.68B+0.6%	$1.67B+2.0%	$1.64B+3.4%	$1.59B+0.1%	$1.59B+6.0%
Accrued interest	$3.2M-3.0%	$3.3M-8.3%	$3.6M+2.9%	$3.5M0.0%	$3.5M-7.9%
Long-term debt	$200.3M0.0%	$200.3M0.0%	$200.4M+0.1%	$200.1M+0.1%	$200M0.0%
Other non-current liabilities	$23.3M-21.5%	$29.7M-75.7%	$122.2M-0.9%	$123.3M+0.5%	$122.7M+12.7%
Total liabilities	$1.25B-2.4%	$1.28B+1.0%	$1.27B+2.8%	$1.23B-1.1%	$1.24B+5.5%
Additional paid-in capital	$1.93B+0.5%	$1.92B+0.7%	$1.91B+1.3%	$1.88B-0.4%	$1.89B+0.2%
Retained earnings	-$1.61B+2.2%	-$1.64B+0.3%	-$1.65B-0.3%	-$1.64B+1.3%	-$1.66B+1.1%
Accumulated other comprehensive income (loss)	$400K-89.7%	$3.9M+11.4%	$3.5M+52.2%	$2.3M+229%	$700K+130%
Total stockholders' equity	$325.9M+14.6%	$284.3M+7.3%	$265M+8.4%	$244.5M+6.9%	$228.7M+12.3%
Total liabilities and stockholders' equity	$1.68B+0.6%	$1.67B+2.0%	$1.64B+3.4%	$1.59B+0.1%	$1.59B+6.0%
Available-for-Sale Debt Securities	$10.8M—	$0—	$0-100%	$3.5M-55.7%	$7.9M-46.6%
Available-for-Sale Debt Securities - Amortized Cost	$49.6M—	——	$25.7M-19.7%	$32M-21.4%	$40.7M—
Available-for-Sale Debt Securities - Amortized Cost (Due Within One Year)	$49.6M—	——	$25.7M-19.7%	$32M-21.4%	$40.7M—
Available-for-Sale Debt Securities - Unrealized Loss Position (>=12 Months)	$17.7M—	——	——	$28.2M-19.4%	$35M-20.3%
AFS and Trading Securities - Unrealized Loss Position (>=12 Months)	$17.7M—	——	——	$28.2M-19.4%	$35M-20.3%
AFS and Trading Securities - Unrealized Loss Position (<12 Months) Fair Value	$217M—	——	——	$51M-22.5%	$65.8M-54.0%
Available-for-Sale Debt Securities - Unrealized Loss Position (<12 Months)	$217M—	——	——	$51M-22.5%	$65.8M-54.0%
Available-for-Sale Debt Securities - Unrealized Loss Position	$1.9M—	——	——	$1M-33.3%	$1.5M-51.6%
AFS and Trading Securities - Unrealized Loss Position (>=12 Months) Fair Value	$17.7M—	——	——	$28.2M-19.4%	$35M-20.3%
AFS and Trading Securities - Unrealized Loss Position Fair Value	$234.7M—	——	——	$79.2M-21.4%	$100.8M-46.1%
AFS and Trading Securities - Unrealized Loss Position (<12 Months) Fair Value	$217M—	——	——	$51M-22.5%	$65.8M-54.0%
Cash, Cash Equivalents, and Marketable Securities	$234.7M—	——	——	$79.2M-21.4%	$100.8M-46.1%
Debt securities - current	$10.8M—	$0—	$0-100%	$3.5M-55.7%	$7.9M-46.6%
Available-for-Sale Debt Securities - Fair Value (Maturing 1 to 5 Years)	$293.3M—	——	$230.3M+7.8%	$213.6M+3.4%	$206.6M—
Investments	$471.5M+20.5%	$391.4M+8.1%	$362.2M+10.7%	$327.1M+0.6%	$325.2M+4.5%
Other Assets	$85.1M-1.3%	$86.2M-27.7%	$119.3M+2.5%	$116.4M+5.3%	$110.5M+7.1%
Reinsurance premiums receivable, net of allowance of zero at March 31, 2026 and December 31, 2025	$94.4M-2.0%	$96.3M—	——	——	——
Other Investments	$4.4M0.0%	$4.4M0.0%	$4.4M0.0%	$4.4M0.0%	$4.4M0.0%
Convertible Debt - Current	$112M0.0%	$112M0.0%	$112M0.0%	$112M0.0%	$112M0.0%
Debt Maturity - 5 to 10 Years	$54.1M—	——	$54M+44.8%	$37.3M+5.4%	$35.4M—
Debt Maturity - Over 10 Years	$69.6M—	——	$45M+18.4%	$38M+0.8%	$37.7M—
Debt - Unamortized Discount (Premium) and Issuance Costs, Net	$2.9M-3.3%	$3M-6.3%	$3.2M-5.9%	$3.4M-2.9%	$3.5M-5.4%
Accounts payable, accrued expenses, and other liabilities (includes VIE balances of $159 and $183)	$43.2M-41.8%	$74.2M+26.6%	$58.6M+12.0%	$52.3M-2.1%	$53.4M-24.9%
Loss and loss adjustment expense reserves	$472.7M-2.3%	$483.6M+4.5%	$462.9M+4.1%	$444.5M+6.2%	$418.5M+1.3%
Premiums payable	$95.1M-1.7%	$96.7M—	——	——	——
Unearned premiums	$412.4M+4.7%	$393.7M-3.8%	$409.3M+3.6%	$395.2M-6.0%	$420.3M+18.8%
Total debt	$200.3M-2.1%	$204.6M+2.1%	$200.4M+0.1%	$200.1M+0.1%	$200M-3.0%
Total Carrying Value of Debt	$200M0.0%	$200M—	——	——	——
AFS and Trading Securities - Unrealized Loss Position (>=12 Months) Accumulated Loss	$500K—	——	——	$800K-27.3%	$1.1M-26.7%
Common Stock Shares Outstanding	$1.2M-76.5%	$5.1M-22.7%	$6.6M-34.0%	$10M-5.7%	$10.6M+58.2%
Convertible Preferred Stock Authorized Shares	100M0.0%	100M0.0%	100M0.0%	100M0.0%	100M0.0%
Convertible Preferred Stock Issued Shares	14.1M0.0%	14.1M0.0%	14.1M0.0%	14.1M0.0%	14.1M0.0%
Convertible Preferred Stock Outstanding Shares	14.1M0.0%	14.1M0.0%	14.1M0.0%	14.1M0.0%	14.1M0.0%
Investments - Gross Unrealized Losses	$234.7M—	——	——	$79.2M-21.4%	$100.8M-46.1%
Preferred Stock Liquidation Preference Value	$126.5M0.0%	$126.5M0.0%	$126.5M0.0%	$126.5M0.0%	$126.5M0.0%
Preferred Stock Par Value Per Share	$0.000.0%	$0.000.0%	$0.000.0%	$0.000.0%	$0.000.0%
Share-Based Payment Award Options Outstanding - Number	100K0.0%	100K0.0%	100K0.0%	100K0.0%	100K0.0%
Temporary Equity Attributable to Parent	$112M0.0%	$112M0.0%	$112M0.0%	$112M0.0%	$112M0.0%
Unrealized Gains on Investments	$2.3M—	——	——	$3.3M+50.0%	$2.2M+175%
Unrealized Losses on Investments (Before Tax)	$1.9M—	——	——	$1M-33.3%	$1.5M-51.6%
Weighted Average Exercise Price of Outstanding Options	$50.66+45.6%	$34.800.0%	$34.800.0%	$34.80+6.7%	$32.61-4.5%
Debt Securities, Available-for-Sale, Accumulated Gross Unrealized Loss, before Tax	$1.9M—	——	——	$1M-33.3%	$1.5M-51.6%
Gross Unrealized Gains	$2.3M—	——	——	$3.3M+50.0%	$2.2M+175%
Debt Securities, Available-for-Sale, Amortized Cost, Maturity, Allocated and Single Maturity Date, after Year 5 Through 10	$54.2M—	——	$53.3M+44.8%	$36.8M+4.8%	$35.1M—
Debt Securities, Available-for-Sale, Fair Value, Maturity, Allocated and Single Maturity Date, after Year 5 Through 10	$54.1M—	——	$54M+44.8%	$37.3M+5.4%	$35.4M—
Debt Securities, Available-for-Sale, Amortized Cost, Maturity, Allocated and Single Maturity Date, after Year One Through Five	$293.3M—	——	$230.3M+7.8%	$213.6M+3.4%	$206.6M—
Debt Securities, Available-for-Sale, Fair Value, Maturity, Allocated and Single Maturity Date, after Year One Through Five	$294.1M—	——	$232.9M+8.1%	$215.4M+3.9%	$207.3M—
Debt Securities, Available-for-Sale, Amortized Cost, Maturity, Allocated and Single Maturity Date, after Year 10	$69.6M—	——	$45M+18.4%	$38M+0.8%	$37.7M—
Debt Securities, Available-for-Sale, Fair Value, Maturity, Allocated and Single Maturity Date, after Year 10	$69.3M—	——	$45.3M+18.9%	$38.1M+1.6%	$37.5M—
Debt Securities, Available-for-Sale, Amortized Cost, Maturity, Allocated and Single Maturity Date, Year One	$49.6M—	——	$25.7M-19.7%	$32M-21.4%	$40.7M—
Debt Securities, Available-for-Sale, Fair Value, Maturity, Allocated and Single Maturity Date, Year One	$49.6M—	——	$25.6M-19.7%	$31.9M-21.4%	$40.6M—
Long-term debt, gross	$200M0.0%	$200M—	——	——	——
Secured pledge of capital stock (as percent)	100%—	——	100%—	——	——
Debt Instrument, Unamortized Discount (Premium) and Debt Issuance Costs, Net	$2.9M-3.3%	$3M-6.3%	$3.2M-5.9%	$3.4M-2.9%	$3.5M-5.4%
Cost or Amortized Cost	$466.7M+21.8%	$383.1M+8.1%	$354.3M+10.6%	$320.4M+0.1%	$320.1M+3.6%
Available-for-sale securities, allowance for credit loss	$0—	——	——	$0—	$0—
Cost	$10.8M—	$0—	——	——	——
Cost	$455.9M+19.0%	$383.1M—	——	——	——
Debt Securities, Available-for-Sale, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss	$500K—	——	——	$800K-27.3%	$1.1M-26.7%
Less than 12 months	$217M—	——	——	$51M-22.5%	$65.8M-54.0%
12 months or more	$17.7M—	——	——	$28.2M-19.4%	$35M-20.3%
Debt Securities, Available-for-Sale, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss	$1.4M—	——	——	$200K-50.0%	$400K-75.0%
Estimated Fair Value	$467.1M+20.7%	$387M+8.2%	$357.8M+10.9%	$322.7M+0.6%	$320.8M+4.6%
Debt Securities, Available-for-Sale, Unrealized Loss Position, Accumulated Loss	$1.9M—	——	——	$1M-33.3%	$1.5M-51.6%
Debt Securities, Available-for-Sale, Unrealized Loss Position	$234.7M—	——	——	$79.2M-21.4%	$100.8M-46.1%
Liability for Unpaid Claims and Claims Adjustment Expense, Net	$452.3M-1.3%	$458.2M+5.9%	$432.8M+5.9%	$408.5M+8.2%	$377.4M+3.3%
Preferred stock, liquidation preference, value	$126.5M0.0%	$126.5M0.0%	$126.5M0.0%	$126.5M0.0%	$126.5M0.0%
Preferred Stock, Par or Stated Value Per Share	$00.0%	$00.0%	$00.0%	$00.0%	$00.0%
Preferred Stock, Shares Authorized	$100M0.0%	$100M0.0%	$100M0.0%	$100M0.0%	$100M0.0%
Preferred Stock, Shares Issued	$14.1M0.0%	$14.1M0.0%	$14.1M0.0%	$14.1M0.0%	$14.1M0.0%
Preferred Stock, Shares Outstanding	$14.1M0.0%	$14.1M0.0%	$14.1M0.0%	$14.1M0.0%	$14.1M0.0%
Insurance and reinsurance balances receivable, valuation allowance	$8.6M-3.4%	$8.9M+11.3%	$8M-2.4%	$8.2M+13.9%	$7.2M-26.5%
Amortized costs of special deposits	$15.8M+0.6%	$15.7M—	——	——	——
Fair value of special deposits	$15.9M0.0%	$15.9M—	——	——	——
Balances held in the trust	$85.4M+10.9%	$77M—	——	——	——
Allowance for reinsurance premiums	$0—	$0—	——	——	——
Reinsurance recoverable on unpaid losses and loss expenses	$20.4M-19.7%	$25.4M-15.6%	$30.1M-16.4%	$36M-12.4%	$41.1M-14.4%
Valuation allowance for uncollectible reinsurance	$100K0.0%	$100K0.0%	$100K0.0%	$100K-50.0%	$200K+100%
Restricted cash equivalents	$10.1M-46.8%	$19M—	——	——	——
Share-Based Compensation Arrangement by Share-Based Payment Award, Options, Outstanding, Number	$100K0.0%	$100K0.0%	$100K0.0%	$100K0.0%	$100K0.0%
Share-Based Compensation Arrangement by Share-Based Payment Award, Options, Outstanding, Weighted Average Exercise Price	$50.66+45.6%	$34.80.0%	$34.80.0%	$34.8+6.7%	$32.61-4.5%
Share-Based Compensation Arrangement by Share-Based Payment Award, Options, Outstanding, Intrinsic Value	$1.2M-76.5%	$5.1M-22.7%	$6.6M-34.0%	$10M-5.7%	$10.6M+58.2%
Temporary Equity Shares Outstanding	14.1M0.0%	14.1M0.0%	14.1M0.0%	14.1M0.0%	14.1M0.0%

Chart any of these lines over time, or line them up against competitors.

Compare these in charts →

Ask your AI about Root, Inc..

Connect your AI assistant and get a quick read on the numbers, right in your chat.

Connect your AI

Claude

Questions, answered.

What are Root, Inc.'s total assets?: Root, Inc. (ROOT) holds $1.7B in total assets, up 6.3% year over year.
How much debt does Root, Inc. have?: Root, Inc. carries $200.3M in total debt against $325.9M of shareholders' equity, a debt-to-equity ratio of 0.61.
How much cash does Root, Inc. have?: Root, Inc. holds $608.9M in cash and equivalents.
Where does Root, Inc.'s balance sheet data come from?: Every line is extracted from Root, Inc.'s SEC filings (10-K and 10-Q) and tagged in XBRL. Switch between quarterly, annual, and trailing-twelve-month views, or open any line for its full history and peer comparisons.