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Root, Inc. ROOT Unearned premiums

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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 root:UnearnedPremiumsGross.

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 unearned premiums?
Root, Inc. (ROOT) reported unearned premiums of $412.4M in Q1 2026.
How has Root, Inc.'s unearned premiums changed year-over-year?
Root, Inc.'s unearned premiums decreased by 1.9% year-over-year, from $420.3M to $412.4M.
What is the long-term trend for Root, Inc.'s unearned premiums?
Over 3 years (2022 to 2025), Root, Inc.'s unearned premiums has grown at a 42.3% compound annual growth rate (CAGR), from $136.5M to $393.7M.
What does unearned premiums mean?
This represents the portion of written premiums that relates to the unexpired period of insurance policies. It is a liability because the company is obligated to provide coverage for the remainder of the policy term. As time passes, this amount is recognized as earned premium revenue in the income statement.