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Root, Inc. ROOT Liability for Unpaid Claims and Claims Adjustment Expense, Incurred Claims

Liability for Unpaid Claims and Claims Adjustment Expense, Incurred Claims at other companies

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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:LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseIncurredClaims1.

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 liability for unpaid claims and claims adjustment expense, incurred claims?
Root, Inc. (ROOT) reported liability for unpaid claims and claims adjustment expense, incurred claims of $226.2M in Q1 2026.
How has Root, Inc.'s liability for unpaid claims and claims adjustment expense, incurred claims changed year-over-year?
Root, Inc.'s liability for unpaid claims and claims adjustment expense, incurred claims increased by 10.0% year-over-year, from $205.6M to $226.2M.
What is the long-term trend for Root, Inc.'s liability for unpaid claims and claims adjustment expense, incurred claims?
Over 4 years (2021 to 2025), Root, Inc.'s liability for unpaid claims and claims adjustment expense, incurred claims has grown at a 23.9% compound annual growth rate (CAGR), from $392.3M to $924.2M.
What does liability for unpaid claims and claims adjustment expense, incurred claims mean?
This represents the total estimated cost of claims that have been incurred but not yet settled, including the expenses associated with investigating and adjusting those claims. It is a critical measure of underwriting discipline and the accuracy of actuarial loss reserves. Lower values relative to earned premiums generally suggest superior risk selection and claims management efficiency.