Financial Statements — ROOT
Balance Sheet
(in billions USD)| Metric | Q2
2026 | Q1
2026 | Q3
2025 | Q2
2025 | Q1
2025 | Q3
2024 | Q2
2024 | Q1
2024 | Q3
2023 | Q2
2023 | Q1
2023 | Q3
2022 | Q2
2022 | Q1
2022 | Q3
2021 | Q2
2021 | Q1
2021 |
|---|
| Cash & Equivalents | 0.51 | 0.60 | 0.65 | 0.64 | 0.61 | 0.67 | 0.67 | 0.64 | 0.64 | 0.63 | 0.68 | 0.82 | 0.89 | 0.93 | 0.83 | 0.97 | 1.11 |
| Total Assets | 1.67 | 1.68 | 1.64 | 1.59 | 1.59 | 1.56 | 1.50 | 1.43 | 1.24 | 1.19 | 1.20 | 1.38 | 1.48 | 1.56 | 1.52 | 1.59 | 1.70 |
| Long-term Debt | 0.20 | 0.20 | 0.20 | 0.20 | 0.20 | 0.30 | 0.30 | 0.30 | 0.30 | 0.30 | 0.30 | 0.29 | 0.29 | 0.29 | 0.20 | 0.20 | 0.19 |
| Total Liabilities | 1.23 | 1.25 | 1.27 | 1.23 | 1.24 | 1.27 | 1.23 | 1.15 | 0.95 | 0.87 | 0.85 | 0.94 | 0.98 | 0.98 | 0.89 | 0.83 | 0.77 |
| Retained Earnings | (1.58) | (1.61) | (1.65) | (1.64) | (1.66) | (1.70) | (1.73) | (1.72) | (1.69) | (1.65) | (1.61) | (1.50) | (1.44) | (1.35) | (1.16) | (1.03) | (0.85) |
| Total Stockholder Equity | 0.33 | 0.33 | 0.27 | 0.24 | 0.23 | 0.18 | 0.15 | 0.17 | 0.18 | 0.21 | 0.24 | 0.33 | 0.39 | 0.47 | 0.64 | 0.76 | 0.93 |
Income Statement
(in millions USD) (except per-share rows)| Metric | Q2
2026 | Q1
2026 | Q4
2025 | Q3
2025 | Q2
2025 | Q1
2025 | Q4
2024 | Q3
2024 | Q2
2024 | Q1
2024 | Q4
2023 | Q3
2023 | Q2
2023 | Q1
2023 | Q4
2022 | Q3
2022 | Q2
2022 | Q1
2022 | Q4
2021 | Q3
2021 |
|---|
| Net Premiums Earned | 363.50 | 363.70 | 367.30 | 360.10 | 353.00 | 321.30 | 299.70 | 279.30 | 261.60 | 230.30 | 176.00 | 100.00 | 63.90 | 60.00 | 64.30 | 68.60 | 74.70 | 78.30 | 84.90 | 85.10 |
| Net Investment Income | 5.00 | 8.70 | 8.60 | 7.00 | 9.40 | 8.70 | 8.70 | 8.00 | 10.00 | 9.20 | 7.70 | 9.00 | 6.80 | 6.70 | 4.00 | 0.90 | 0.70 | 0.60 | 2.40 | 1.00 |
| Total Revenue | 389.20 | 393.50 | 397.00 | 387.80 | 382.90 | 349.40 | 326.70 | 305.70 | 289.20 | 254.90 | 194.80 | 115.30 | 74.80 | 70.10 | 71.30 | 73.70 | 80.40 | 85.40 | 93.20 | 93.80 |
| Operating Income | 34.60 | 40.90 | 10.50 | 0.30 | 27.30 | 23.70 | 34.90 | 34.40 | 3.80 | 5.40 | (12.30) | (34.00) | (25.20) | (29.80) | (56.80) | (54.70) | (80.70) | (70.90) | (91.90) | (126.90) |
| Tax Provision | 0.20 | 0.20 | 0.10 | 0.40 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Income | 25.40 | 35.90 | 5.30 | (5.40) | 22.00 | 18.40 | 22.10 | 22.80 | (7.80) | (6.20) | (24.00) | (45.80) | (36.70) | (40.90) | (67.40) | (64.00) | (89.90) | (76.40) | (109.90) | (133.00) |
| Diluted EPS | 1.49 | 2.09 | 0.35 | (0.35) | 1.29 | 1.07 | 1.42 | 1.35 | (0.52) | (0.42) | (1.65) | (3.16) | (2.55) | (2.88) | (15.91) | (4.54) | (0.36) | (0.30) | (0.44) | (0.53) |
Cash Flow Statement
(in millions USD)| Metric | Q2
2026 | Q1
2026 | Q4
2025 | Q3
2025 | Q2
2025 | Q1
2025 | Q4
2024 | Q3
2024 | Q2
2024 | Q1
2024 | Q4
2023 | Q3
2023 | Q2
2023 | Q1
2023 | Q4
2022 | Q3
2022 | Q2
2022 | Q1
2022 | Q4
2021 | Q3
2021 |
|---|
| Operating Cash Flow | 57.50 | 9.30 | 70.10 | 57.60 | 52.00 | 26.80 | 69.20 | 49.40 | 62.60 | 14.50 | 46.10 | 14.60 | (10.60) | (83.70) | (46.70) | (59.00) | (53.70) | (51.20) | (39.10) | (137.80) |
| Capital Expenditures | -- | -- | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.20 | 0.20 | 0.00 | 0.00 | 0.20 | -- | 0.00 | 0.00 | 0.00 | 0.00 | 2.30 | 0.80 |
| Free Cash Flow* | -- | -- | 70.10 | 57.60 | 52.00 | 26.80 | 69.20 | 49.40 | 62.40 | 14.30 | 46.10 | 14.60 | (10.80) | -- | (46.70) | (59.00) | (53.70) | (51.20) | (41.40) | (138.60) |
| Investing Cash Flow | (59.70) | (86.60) | (32.50) | (41.60) | (3.80) | (13.80) | (40.30) | (39.80) | (22.00) | (52.30) | 0.50 | (7.00) | (40.10) | 0.90 | (10.90) | (3.90) | 4.50 | (6.30) | (6.40) | 0.70 |
| Financing Cash Flow | (31.90) | (3.70) | (2.10) | (4.10) | (16.20) | (2.80) | (104.40) | (2.00) | (13.90) | (0.40) | (3.20) | (0.30) | (0.60) | 0.00 | 0.00 | (3.00) | 0.10 | 286.20 | (82.60) | (1.90) |
* Derived from reported values
