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Root, Inc. (ROOT)
NASDAQ:ROOT
Earnings Data
Report Date
May 06, 2026After Close (Confirmed)
Period Ending
2026 (Q1)Consensus EPS Forecast
0.79Last Year’s EPS
1.07Same Quarter Last Year
Moderate Buy
Based on 3 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call emphasized strong growth and durable unit economics: notable revenue (+29%) and net income (+30%) expansion in 2025, record full‑year adjusted EBITDA and healthy capital ($312M unencumbered). Rapid channel diversification (partnerships comprising ~50% of Q4 new writings), OEM telematics integrations, and >20% LTV improvement signal significant strategic progress. Near‑term profitability was tempered by intentional investments in partnerships, R&D and marketing (Q4 net income and operating income declined), and management expects lower full‑year net income in 2026 as investments accelerate and loss ratio normalizes. Overall, the positives (robust growth, capital position, technology and partnership momentum) outweigh the near‑term headwinds tied to measured reinvestment.Company Guidance
Strong Revenue and Net Income Growth
Reported 2025 revenue growth of 29% and net income growth of 30%; full-year 2025 net income of $40 million, an increase of $9 million year‑over‑year.
Record Premiums and LTV Improvement
Generated $1.5 billion in premiums in 2025; increased customer LTVs by more than 20% on average over the last 12 months.
Material Premium Growth (GWP / GEP)
Q4 2025 gross written premium (GWP) up 9% YoY and gross earned premium (GEP) up 14% YoY; full‑year 2025 GWP up 16% and GEP up 19%.
Partnerships and Distribution Momentum
Partnerships accounted for nearly 50% of new writings in Q4 and are achieving target profitability and loss ratios; independent agents channel more than tripled year‑over‑year in new writings and is one of the fastest‑growing segments.
Connected Vehicle & OEM Integrations
Announced Toyota/Lexus connected‑vehicle integration (Q4) enabling consenting owners to receive instant telematics quotes; OEM partnerships (including Hyundai, Toyota) and Carvana integration (insurance in 3 clicks / as little as 30 seconds) expand embedded distribution and telematics capabilities.
Operational Improvements & Agent Productivity
Integration with Goosehead reduced quote‑to‑bind time by over 50%, improving agent productivity and customer experience.
Improved Profitability Metrics (Full Year)
Full‑year adjusted EBITDA of $132 million (up from $112 million in 2024) despite targeted growth investments; ended 2025 with $312 million of unencumbered capital and maintained excess capital across insurance subsidiaries.
Accelerating Policies in Force (PIF)
Policies in force growth accelerated in Q4 2025 to more than double the pace of Q4 2024; company expects accelerating annual PIF growth in 2026 driven by distribution expansion.
ROOT Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
ROOT Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
Feb 25, 2026 | $61.09 | $57.72 | -5.52% |
Nov 05, 2025 | $88.82 | $81.01 | -8.79% |
Aug 06, 2025 | $122.55 | $90.23 | -26.37% |
May 07, 2025 | $139.93 | $141.49 | +1.11% |
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
FAQ
When does Root, Inc. (ROOT) report earnings?
Root, Inc. (ROOT) is schdueled to report earning on May 06, 2026, After Close (Confirmed).
What is Root, Inc. (ROOT) earnings time?
Root, Inc. (ROOT) earnings time is at May 06, 2026, After Close (Confirmed).
Where can I see when companies are reporting earnings?
You can see which companies are reporting today on our designated earnings calendar.
What companies are reporting earnings today?
You can see a list of the companies which are reporting today on TipRanks earnings calendar.
What is ROOT EPS forecast?
ROOT EPS forecast for the fiscal quarter 2026 (Q1) is 0.79.