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Root, Inc. ROOT Operating Income

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Other financials

Income statement

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Revenue$389.2M+1.6%
Net income$25.4M+15.5%
EPS (diluted)$1.49+15.5%

Balance sheet

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Cash & equivalents$574.8M-10.5%
Total debt$199.8M-0.1%
Total equity$327.9M+34.1%
Total assets$1.7B+5.1%

Cash flow

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Operating cash flow$57.5M+10.6%
CapEx-
Free cash flow$70.1M+1.3%

Valuation

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Market cap$797.9M-41.6%
Enterprise value$422.9M-54.2%
P/E13×-3.0×
P/S0.5×-0.5×

Profitability

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Operating margin5.5%-3.3pp
Net margin3.9%-2.3pp
FCF margin13.6%-3.0pp

Returns & leverage

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Return on equity21.4%-21.7pp
Debt / equity0.6×-0.2×

Where this comes from

Reported directly by Root, Inc. in its filing.

Tagged under the XBRL concept us-gaap:OperatingIncomeLoss.

The source filing: Root, Inc.’s 10-Q, filed August 5, 2026.

Filed
Aug 5, 2026, 4:10 PM EDT
Fiscal quarter
Q2 FY2026
Calendar quarter
Q2 2026
Accession
0001788882-26-000061
Line itemThree Months Ended June 30, 2026Three Months Ended June 30, 2025Six Months Ended June 30, 2026Six Months Ended June 30, 2025
Technology and development15.513.730.725.1
General and administrative15.523.640.044.1
Total operating expenses354.6355.6707.2681.3
Operating income34.627.375.551.0
Interest expense4.15.38.910.6
Loss on extinguishment of debt4.94.9
Income before income tax expense25.622.061.740.4
Income tax expense0.20.4

Item 1. Financial Statements. - Unaudited

FAQ

What is Root, Inc.'s operating income?
Root, Inc. (ROOT) reported operating income of $34.6M in Q2 2026.
How has Root, Inc.'s operating income changed year-over-year?
Root, Inc.'s operating income increased by 26.7% year-over-year, from $27.3M to $34.6M.
What is the long-term trend for Root, Inc.'s operating income?
Over 4 years (2021 to 2025), Root, Inc.'s operating income has grown at a -40.3% compound annual growth rate (CAGR), from -$485.2M to $61.8M.
What does operating income mean?
Gross profit minus all operating expenses (SG&A, R&D, D&A). Measures the profit from core business operations before interest, taxes, and non-operating items.

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