What is Root, Inc.'s unpaid losses and loss expenses?

Root, Inc. (ROOT) reported unpaid losses and loss expenses of -$10.9M in Q1 2026.

How has Root, Inc.'s unpaid losses and loss expenses changed year-over-year?

Root, Inc.'s unpaid losses and loss expenses decreased by 305.7% year-over-year, from $5.3M to -$10.9M.

What is the long-term trend for Root, Inc.'s unpaid losses and loss expenses?

Over 2 years (2021 to 2025), Root, Inc.'s unpaid losses and loss expenses has grown at a -7.9% compound annual growth rate (CAGR), from $83M to $70.4M.

Root, Inc. ROOT Unpaid losses and loss expenses

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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$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:IncreaseDecreaseInLiabilityForClaimsAndClaimsAdjustmentExpenseReserve.

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 unpaid losses and loss expenses?: Root, Inc. (ROOT) reported unpaid losses and loss expenses of -$10.9M in Q1 2026.
How has Root, Inc.'s unpaid losses and loss expenses changed year-over-year?: Root, Inc.'s unpaid losses and loss expenses decreased by 305.7% year-over-year, from $5.3M to -$10.9M.
What is the long-term trend for Root, Inc.'s unpaid losses and loss expenses?: Over 2 years (2021 to 2025), Root, Inc.'s unpaid losses and loss expenses has grown at a -7.9% compound annual growth rate (CAGR), from $83M to $70.4M.