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Root, Inc. ROOT Change in unearned premiums

Change in unearned premiums at other companies

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$170M-33.3%

Other financials

Income statement

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Revenue$393.5M+12.6%
Operating income$40.9M+72.6%
Net income$35.9M+95.1%
EPS (diluted)$2.09+95.3%

Balance sheet

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Cash & equivalents$608.9M-0.3%
Total debt$200.3M+0.2%
Total equity$325.9M+42.5%
Total assets$1.7B+6.3%

Cash flow

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Operating cash flow$9.3M-65.3%
CapEx-—
Free cash flow$70.1M+1.3%

Valuation

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Market cap$826.77M-61.1%
Enterprise value$418.17M-75.6%
P/E14.3×-24.0×
P/S0.5×-1.1×

Profitability

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Operating margin5.1%-2.6pp
Net margin3.7%-0.7pp
FCF margin13.6%-3.0pp

Returns & leverage

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Return on equity20.8%-7.3pp
Debt / equity0.6×-0.3×

Where this comes from

Reported directly by Root, Inc. in its filing.

Tagged under the XBRL concept us-gaap:IncreaseDecreaseInUnearnedPremiums.

The official record: Root, Inc.’s 10-Q, filed May 6, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Root, Inc.'s change in unearned premiums?
Root, Inc. (ROOT) reported change in unearned premiums of $18.7M in Q1 2026.
How has Root, Inc.'s change in unearned premiums changed year-over-year?
Root, Inc.'s change in unearned premiums decreased by 71.8% year-over-year, from $66.4M to $18.7M.
What is the long-term trend for Root, Inc.'s change in unearned premiums?
Over 2 years (2022 to 2024), Root, Inc.'s change in unearned premiums has grown at a 27.3% compound annual growth rate (CAGR), from -$43.6M to $70.7M.
What does change in unearned premiums mean?
This tracks the change in the liability for premiums collected but not yet earned over the policy term. It serves as a proxy for growth in the insurance book of business and future revenue recognition.