What is Root, Inc.'s net debt / EBITDA?

Root, Inc. (ROOT) reported net debt / EBITDA of -4.4× in Q1 2026.

How has Root, Inc.'s net debt / EBITDA changed year-over-year?

Root, Inc.'s net debt / EBITDA decreased by 20.0% year-over-year, from -3.7× to -4.4×.

What does net debt / EBITDA mean?

Net debt (total debt minus cash) divided by trailing-twelve-month EBITDA. Expresses leverage in years — roughly how long it would take to repay net debt out of operating cash earnings.

Root, Inc. ROOT Net debt / EBITDA

Net debt / EBITDA at other companies

ProgressivePGR

0.5×0.0×

AllstateALL

0.5×-0.6×

Berkshire HathawayBRK.A

0.1×0.0×

KemperKMPR

3.6×+0.8×

The Hanover Insurance GroupTHG

0.6×—

The Travelers CompaniesTRV

0.8×-0.3×

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

See full

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

See full

Return on equity20.8%-7.3pp

Debt / equity0.6×-0.3×

Where this comes from

Calculated from Root, Inc.’s reported figures.

net debt/ebitda=-4.4×

Based on the most recent quarter.

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 net debt / EBITDA?: Root, Inc. (ROOT) reported net debt / EBITDA of -4.4× in Q1 2026.
How has Root, Inc.'s net debt / EBITDA changed year-over-year?: Root, Inc.'s net debt / EBITDA decreased by 20.0% year-over-year, from -3.7× to -4.4×.
What does net debt / EBITDA mean?: Net debt (total debt minus cash) divided by trailing-twelve-month EBITDA. Expresses leverage in years — roughly how long it would take to repay net debt out of operating cash earnings.