Root, Inc. (ROOT)
NASDAQ: ROOT · Real-Time Price · USD
80.05
-1.46 (-1.79%)
At close: Dec 5, 2025, 4:00 PM EST
81.33
+1.28 (1.60%)
After-hours: Dec 5, 2025, 6:08 PM EST
Net Premiums Written
Fiscal year is January - December.
Fiscal Year | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | 2019 - 2020 |
|---|---|---|---|---|---|---|
Period Ending | Sep '25 Sep 30, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 | 2019 - 2020 |
| Direct Premiums Written | 1.20B | 1.06B |
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| Assumed Premiums Written | 272.70M | 236.50M |
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| Ceded Premiums Written | -59.60M | -137.00M |
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Net Premiums Earned
Fiscal year is January - December.
Fiscal Year | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | 2019 - 2020 |
|---|---|---|---|---|---|---|
Period Ending | Sep '25 Sep 30, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 | 2019 - 2020 |
| Direct Premiums Earned | 1.16B | 1.01B |
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| Assumed Premiums Earned | 262.20M | 220.20M |
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| Ceded Premiums Earned | -85.70M | -160.10M |
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Revenue
Fiscal year is January - December.
Fiscal Year | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | 2019 - 2020 |
|---|---|---|---|---|---|---|
Period Ending | Sep '25 Sep 30, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 | 2019 - 2020 |
| Net Premiums Earned | 1.33B | 1.07B |
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| Net Investment Income | 33.80M | 35.90M |
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| Net Realized Gains on Investments | - | - |
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| Fee Income | 75.80M | 66.00M |
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| Other Segment Income | 3.10M | 3.70M |
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| Fee and Other Segment Income | 78.90M | 69.70M |
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| Revenue (Total) | 1.45B | 1.18B |
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Key Performance Indicators
Fiscal year is January - December.
Fiscal Year | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | 2019 - 2020 |
|---|---|---|---|---|---|---|
Period Ending | Sep '25 Sep 30, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 | 2019 - 2020 |
| Net Loss and LAE Ratio | - | 68.50% |
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| Net Expense Ratio | - | 27.90% |
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| Net Combined Ratio | - | 96.40% |
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| Gross Loss Ratio | - | 58.90% |
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| Gross LAE Ratio | - | 8.60% |
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| Gross Expense Ratio | - | 27.20% |
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| Gross Combined Ratio | - | 94.70% |
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| Renewal Premium as Percent of Gross Premiums Earned | - | 49.00% |
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| Policies In Force | 466.32B | 414.86B |
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| Premiums Per Policy | 1.58K | 1.58K |
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| Premiums In Force | 1.47B | 1.31B |
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