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Root, Inc. ROOT Valuation allowance for uncollectible reinsurance

Valuation allowance for uncollectible reinsurance at other companies

Selective Insurance Group logo
Selective Insurance GroupSIGI
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Kinsale Capital Group logo
Kinsale Capital GroupKNSL
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Other financials

Income statement

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Revenue$389.2M+1.6%
Operating income$34.6M+26.7%
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:ReinsuranceRecoverablesAllowance.

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 itemAs of / June 30, 2026As of / December 31, 2025
Restricted cash and cash equivalents65.220.6
Premiums receivable, net of allowance of $8.5 and $8.9 at June 30, 2026 and December 31, 2025, respectively330.7332.8
Reinsurance premiums receivable, net of allowance of zero at June 30, 2026 and December 31, 202587.096.3
Reinsurance recoverable, net of allowance of $0.1 at June 30, 2026 and December 31, 202525.233.5
Deferred policy acquisition costs47.144.4
Other assets86.686.2
Total assets$1,668.5$1,674.5
Liabilities, Redeemable Convertible Preferred Stock and Stockholders’ Equity

Item 1. Financial Statements. - Unaudited

FAQ

What is Root, Inc.'s valuation allowance for uncollectible reinsurance?
Root, Inc. (ROOT) reported valuation allowance for uncollectible reinsurance of $100K in Q2 2026.
How has Root, Inc.'s valuation allowance for uncollectible reinsurance changed year-over-year?
Root, Inc.'s valuation allowance for uncollectible reinsurance decreased by 0.0% year-over-year, from $100K to $100K.
What is the long-term trend for Root, Inc.'s valuation allowance for uncollectible reinsurance?
Over 4 years (2021 to 2025), Root, Inc.'s valuation allowance for uncollectible reinsurance has grown at a -15.9% compound annual growth rate (CAGR), from $200K to $100K.
What does valuation allowance for uncollectible reinsurance mean?
Valuation allowance for uncollectible reinsurance

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