Root, Inc. operates within the United States, concentrating on delivering a range of insurance solutions, including policies for automobiles, residential properties, and ...
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Est. EPS $0.55 · Revenue $382.84M · 1 analysts
Est. EPS $0.31 · Revenue $382.14M · 1 analysts
Est. EPS $4.48 · Revenue $1.55B · 2 analysts
Est. EPS $1.14 · Revenue $383.05M · 1 analysts
| Metric | Latest | YoYYoY means Year-over-Year. It compares the latest annual value with the previous annual value to show long-term trend strength. | QoQQoQ means Quarter-over-Quarter. It compares the latest quarter with the immediately previous quarter to show short-term momentum changes. |
|---|---|---|---|
| RevenueThe total money that came through the front door from selling things, before paying a single bill. Think of it as the grand total of every credit card swipe from customers. (YoY compares this year to last year's performance, while QoQ compares the current three months to the previous three). | $1.5B | +29.0% | -1.1% |
| Net IncomeThe absolute bottom line. If the company paid every single supplier, employee, banker, and tax collector, this is the actual money left in their pocket at the end of the day. | $40.3M | +30.4% | -29.2% |
| Gross MarginThe basic markup. If they sell a $100 pair of sneakers, this percentage tells you how much of that price tag is profit right after paying for the rubber and shoelaces, but before paying for things like store rent or TV commercials. | +25.5% | -11.1% | -9.8% |
| Operating MarginThe 'day job' efficiency score. Out of every dollar a customer spends, this shows how many cents the company keeps after making the product AND paying for all the everyday corporate overhead (like salaries, marketing, and keeping the lights on). | +2.7% | +2.4% | -28.3% |
| Net MarginThe final take-home percentage. When you strip away every conceivable cost, tax, and interest payment, this is the exact number of cents the company truly gets to keep from every dollar in sales. | +2.7% | +1.1% | -28.5% |
| Free Cash FlowThe holy grail of corporate cash. It's the spendable, physical money left over after the business pays for its daily operations AND buys the big, expensive upgrades (like new factories or servers) it needs to survive. This is the 'free' money they can use to pay dividends or buy back stock. | $192.4M | +4.6% | +827.6% |
| FCF MarginThe ultimate cash conversion rate. It shows how good the company is at turning regular sales directly into cold, hard, spendable cash. A high percentage means the business is an absolute cash-printing machine. | +12.7% | -18.9% | +837.8% |
| Debt / EquityThe financial risk gauge. It compares how much of the company's empire was built using borrowed money (loans) versus the owners' own money (shareholders). A high number means they are heavily leveraged and playing a riskier game; a low number means they are playing it safe. | 50.8% | -20.7% | +107.2% |
| Current RatioThe 12-month survival check. It simply compares the cash they have right now (plus things they can quickly turn into cash) against the immediate bills they absolutely must pay this year. A score above 1 means they have enough in the wallet to cover the upcoming bills without panicking. | 2.62x | -4.1% | — |
| Total AssetsThe absolute size of the company's empire. It bundles together absolutely everything of value they own—from the cash in the register and the inventory in the warehouse, to the software patents in the vault and the factories on the ground. | $1.5B | +16.5% | +6.8% |
| Metric | Annual (A vs E) | Annual Surprise | Quarter (A vs E) | Quarter Surprise |
|---|---|---|---|---|
| EPS Surprise | 2.24 vs 2.01 | +11.4% | 1.42 vs 0.55 | +160.4% |
| Revenue Surprise | $1.5B vs $1.5B | +1.2% | $389.2M vs $382.8M | +1.7% |
| Date | Executive | Title | Security | Side | Shares | Price |
|---|---|---|---|---|---|---|
| Aug 31, 2026 | CARVANA GROUP, LLC | 10 percent owner | Warrant (Right to Buy) | A | 305,112 | $72.44 |
| Aug 31, 2026 | CARVANA GROUP, LLC | 10 percent owner | Warrant (Right to Buy) | A | 305,112 | $78.01 |
| Aug 31, 2026 | CARVANA GROUP, LLC | 10 percent owner | Warrant (Right to Buy) | A | 305,112 | $83.58 |
| Aug 31, 2026 | CARVANA GROUP, LLC | 10 percent owner | Warrant (Right to Buy) | A | 305,112 | $89.15 |
| Aug 31, 2026 | CARVANA GROUP, LLC | 10 percent owner | Warrant (Right to Buy) | A | 305,112 | $94.72 |
Operator: Greetings, and welcome to the Root's Second Quarter 2026 Earnings Conference Call. [Operator Instructions] As a reminder, this conference is being recorded. It is now my pleasure to introduce Matt LaMalva, Head of IR and Corporate Development. Please go ahead. Matthew LaMalva: Good afternoon, and thank you for joining us. Root is hosting this call to discuss its second quarter 2026 earnings results. Participating on today's call is Alex Timm, Co-Founder and Chief Executive Officer; and Megan Binkley, Chief Financial Officer. Earlier today, Root issued a shareholder letter announcing its financial results. We'll focus today on how we're executing against our model and the progress we're delivering across the business. While today's discussion will reflect the shareholder letter, for more complete information about our financial performance, we also encourage you to read our second quarter 2026 Form 10-Q, which was filed with the Securities and Exchange Commission today. Before we begin, I want to remind you that matters discussed on today's call will include forward-looking statements related to our operating performance, financial goals and business outlook, which are based on management's current beliefs and assumptions. Please note that these forward-looking statements reflect our opinions as of the date of this call, and we are not obligated to revise this information as a result of new developments that may occur. Forward-looking statements are subject to various risks, uncertainties and other factors that could cause our actual results to differ materially from those expected and described today. For a more detailed description of our risk factors, please review our most recent 10-K, 10-Q and shareholder letter. A replay of this conference call will be available on our website under the Investor Relations section. I would also like to remind you that during the call, we will discuss some non-GAAP measures while we talk about Root's performance. You can find reconciliations of these historical measures to the nearest comparable GAAP measures in our financial disclosures, all of which are posted on our website at ir.joinroot.com. I will now turn the call over to Alex. Alexander Timm: Thanks, Matt. Good afternoon, and thank you, everyone, for joining us. I'm happy to report that in the second quarter, Root continued to deliver strong performance while investing in long-term growth. Net income increased 15% year-over-year to $25 million, generating approximately a 31% annualized return on equity. Revenue increased 2% year-over-year to $389 million, and policies in force increased 6% year-over-year, ending the quarter at 484,000 policies. These results demonstrate the strength of our technology and data science capabilities we have built over the past decade. When we founded Root, our core belief was simple, insurance would ultimately be won through superior pricing and automation. Long before artificial intelligence became a …
| Name | Title | Compensation | Gender | Year Born | Status |
|---|---|---|---|---|---|
Alexander Edward Timm | Founder, Chief Executive Officer & Chairman | USD 2,663,473 | Male | 1989 | Active |
Mahtiyar Bonakdarpour | President & Chief Technology Officer | USD 1,385,685 | Male | 1987 | Active |
Jonathan Alexander Allison | Chief Administrative Officer | USD 1,310,685 | Male | 1967 | Active |
Megan Nicole Binkley | Chief Financial Officer | USD 1,057,889 | Female | 1984 | Active |
Matthew Patrick LaMalva | Head of Investor Relations | — | Male | 1987 | Active |
Srini Srinivasan | Chief Information Security Officer & Head of IT | — | Male | — | Active |
Kelly Ruoff | Chief Communications Officer | — | Female | — | Active |
Ryan William Forish | Chief Accounting Officer | — | Male | 1983 | Active |
Jason Shapiro | Senior Vice President of Business Development | — | Male | — | Active |
Jodi Emmert Baker | Vice President, General Counsel & Secretary | — | Male | — | Active |
COLUMBUS, Ohio, Sept. 03, 2026 (GLOBE NEWSWIRE) -- Root (NASDAQ: ROOT), the leading technology company in car insurance, today announced it will participate in two upcoming investor conferences in New York City.
Extended agreement builds on success of partnership that has sold more than 200,000 policies Extended agreement builds on success of partnership that has sold more than 200,000 policies
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Florida insurance reforms and regulatory environment enable Root to deliver immediate savings to drivers as litigation costs decline Florida insurance reforms and regulatory environment enable Root to deliver immediate savings to drivers as litigation costs decline
