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Root, Inc. ROOT Premiums receivable

Premiums receivable at other companies

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$17.61B+4.8%
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$11.65B+5.4%
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$449.1M+41.3%
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KemperKMPR
$1B-5.6%
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$11.42B-1.3%

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$840.38M-61.1%
Enterprise value$431.78M-75.6%
P/E14.5×-24.4×
P/S0.5×-1.2×

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:PremiumsReceivableAtCarryingValue.

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 premiums receivable?
Root, Inc. (ROOT) reported premiums receivable of $350.8M in Q1 2026.
How has Root, Inc.'s premiums receivable changed year-over-year?
Root, Inc.'s premiums receivable decreased by 2.7% year-over-year, from $360.7M to $350.8M.
What is the long-term trend for Root, Inc.'s premiums receivable?
Over 5 years (2020 to 2025), Root, Inc.'s premiums receivable has grown at a 20.7% compound annual growth rate (CAGR), from $130.1M to $332.8M.
What does premiums receivable mean?
This represents the amount of insurance premiums billed to policyholders that have not yet been collected. It serves as a key indicator of the company's cash flow timing and the effectiveness of its premium collection processes. High levels relative to premiums written may indicate potential credit risk or delays in policyholder payments.