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Root, Inc. ROOT Net premiums earned

Net premiums earned at other companies

Progressive logo
ProgressivePGR
$20.97B+8.0%
Allstate logo
AllstateALL
$15.36B+5.4%
Lemonade logo
LemonadeLMND
$212.6M+104%
Safety Insurance Group logo
Safety Insurance GroupSAFT
$290.99M+6.7%
Kemper logo
KemperKMPR
$999.3M-8.1%
The Hanover Insurance Group logo
The Hanover Insurance GroupTHG
$1.57B+4.1%

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:PremiumsEarnedNet.

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 premiums earned?
Root, Inc. (ROOT) reported net premiums earned of $363.7M in Q1 2026.
How has Root, Inc.'s net premiums earned changed year-over-year?
Root, Inc.'s net premiums earned increased by 13.2% year-over-year, from $321.3M to $363.7M.
What is the long-term trend for Root, Inc.'s net premiums earned?
Over 4 years (2021 to 2025), Root, Inc.'s net premiums earned has grown at a 45.8% compound annual growth rate (CAGR), from $310.3M to $1.4B.
What does net premiums earned mean?
This represents the portion of insurance premiums that the company has recognized as revenue during the reporting period after accounting for reinsurance cessions. It serves as the primary indicator of the company's core insurance underwriting volume and market reach. Higher values indicate successful policy retention and growth in the underlying insurance book.