What is Root, Inc.'s retained earnings?

Root, Inc. (ROOT) reported retained earnings of -$1.61B in Q1 2026.

How has Root, Inc.'s retained earnings changed year-over-year?

Root, Inc.'s retained earnings increased by 3.5% year-over-year, from -$1.66B to -$1.61B.

What is the long-term trend for Root, Inc.'s retained earnings?

Over 5 years (2020 to 2025), Root, Inc.'s retained earnings has grown at a 17.0% compound annual growth rate (CAGR), from -$748M to -$1.64B.

What does retained earnings mean?

Cumulative net income earned since inception minus all dividends paid — the total profits reinvested in the business over its lifetime.

Root, Inc. ROOT Retained Earnings

Retained Earnings at other companies

ProgressivePGR

$29.61B+10.8%

AllstateALL

$64.54B+20.4%

Berkshire HathawayBRK.A

$773.29B+10.3%

LemonadeLMND

-$1.5B-10.2%

Safety Insurance GroupSAFT

$816.27M+1.1%

KemperKMPR

$1.14B-13.1%

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:RetainedEarningsAccumulatedDeficit.

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 retained earnings?: Root, Inc. (ROOT) reported retained earnings of -$1.61B in Q1 2026.
How has Root, Inc.'s retained earnings changed year-over-year?: Root, Inc.'s retained earnings increased by 3.5% year-over-year, from -$1.66B to -$1.61B.
What is the long-term trend for Root, Inc.'s retained earnings?: Over 5 years (2020 to 2025), Root, Inc.'s retained earnings has grown at a 17.0% compound annual growth rate (CAGR), from -$748M to -$1.64B.
What does retained earnings mean?: Cumulative net income earned since inception minus all dividends paid — the total profits reinvested in the business over its lifetime.