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$51.45 +1.62 (+3.25%) At close · Aug 14
Market Cap
$797.13M
Shares
15.49M

Root, Inc. Earnings Call Transcripts

Every quarterly earnings call for Root, Inc. (ROOT) — the full transcript with speaker labels, the audio replay, AI call highlights and a management-tone score, plus the matching 8-K earnings release and the quarter's 10-Q or 10-K. Investor days and conferences appear here too.

Revenue & result across quarters

Revenue Net income YoY up YoY down artefacts
▼21.4% $73.70M −$66.40M '22 Q3 22-11-09 ▼23.5% $71.30M −$58.30M '22 Q4 23-02-22 ▼17.9% $70.10M −$40.90M '23 Q1 23-05-03 ▼7% $74.80M −$36.70M '23 Q2 23-08-02 ▲56.4% $115.30M −$45.80M '23 Q3 23-11-01 ▲173.2% $194.80M −$24.00M '23 Q4 24-02-21 ▲263.6% $254.90M −$6.20M '24 Q1 24-04-30 ▲286.6% $289.20M −$7.80M '24 Q2 24-08-07 ▲165.1% $305.70M $22.80M '24 Q3 24-10-30 ▲67.7% $326.70M $22.10M '24 Q4 25-02-26 ▲37.1% $349.40M $18.40M '25 Q1 25-05-07 ▲32.4% $382.90M $22.00M '25 Q2 25-08-06 ▲26.9% $387.80M −$5.40M '25 Q3 25-11-05 ▲21.5% $397.00M $5.30M '25 Q4 26-02-25 ▲12.6% $393.50M $35.90M '26 Q1 26-05-06 LATEST ▲1.6% $389.20M $25.40M '26 Q2 26-08-05
Earnings call
FY26 · Q2
2026-08-05
Root, Inc. Q2 FY2026 Earnings Call
Confident tone Expense ratio and share-based compensation Underwriting profitability and combined ratio Disciplined growth in competitive direct market
Revenue
$389.20M
▲ 1.6% YoY
Diluted EPS
$1.49
▲ 15.5% YoY
Rev · 8q Trailing quarterly revenue
Audio Transcript Slides 8-K10-Q
Earnings call
FY26 · Q1
2026-05-06
Root, Inc. Q1 FY2026 Earnings Call
Confident tone Underwriting and Pricing Growth Distribution Capital Allocation and Share Repurchase
Revenue
$393.50M
▲ 12.6% YoY
Diluted EPS
$2.09
▲ 95.3% YoY
Rev · 8q Trailing quarterly revenue
Audio Transcript Slides 8-K10-Q
Earnings call
FY25 · Q4
2026-02-25
Root, Inc. Q4 FY2025 Earnings Call
Confident tone Independent agents channel Growth strategy and five levers Partnerships channel and Toyota
Revenue
$397.00M*
▲ 21.5% YoY
Rev · 8q Trailing quarterly revenue
Audio Transcript Slides 8-K10-K
Earnings call
FY25 · Q3
2025-11-05
Root, Inc. Q3 FY2025 Earnings Call
Confident tone Partnership Channel Growth Direct Channel Performance Pricing Algorithm Innovation
Revenue
$387.80M
▲ 26.9% YoY
Diluted EPS
$-0.35
▼ 125.9% YoY
Rev · 8q Trailing quarterly revenue
Audio Transcript Slides 8-K10-Q
Earnings call
FY25 · Q2
2025-08-06
Root, Inc. Q2 FY2025 Earnings Call
Confident tone Loss Ratio and Underwriting Near-Term Investment / H2 Profitability Pressure Partnerships Channel Growth
Revenue
$382.90M
▲ 32.4% YoY
Diluted EPS
$1.29
Rev · 8q Trailing quarterly revenue
Audio Transcript Slides 8-K10-Q
Earnings call
FY25 · Q1
2025-05-07
Root, Inc. Q1 FY2025 Earnings Call
Confident tone Partnership Channel Expansion Tariffs & Macroeconomic Uncertainty Profitable Growth & Financial Performance
Revenue
$349.40M
▲ 37.1% YoY
Diluted EPS
$1.07
Rev · 8q Trailing quarterly revenue
Audio Transcript Slides 8-K10-Q
Earnings call
FY24 · Q4
2025-02-26
Root, Inc. Q4 FY2024 Earnings Call
Confident tone Growth in policies in force and premiums Profitability and financial performance Partnerships and embedded channel
Revenue
$326.70M*
▲ 67.7% YoY
Rev · 8q Trailing quarterly revenue
Audio Transcript Slides 8-K10-K
Earnings call
FY24 · Q3
2024-10-30
Root, Inc. Q3 FY2024 Earnings Call
Confident tone Retention and cohort dynamics Partnerships channel growth Underwriting and loss ratio performance
Revenue
$305.70M
▲ 165.1% YoY
Diluted EPS
$1.35
Rev · 8q Trailing quarterly revenue
Audio Transcript Slides 8-K10-Q
Earnings call
FY24 · Q2
2024-08-07
Root, Inc. Q2 FY2024 Earnings Call
Confident tone Direct channel and marketing Partnership channel growth Competitive environment
Revenue
$289.20M
▲ 286.6% YoY
Diluted EPS
$-0.52
Rev · 8q Trailing quarterly revenue
Audio Transcript Slides 8-K10-Q
Earnings call
FY24 · Q1
2024-04-30
Root, Inc. Q1 FY2024 Earnings Call
Confident tone Quarterly financial milestones Direct channel dynamics and competition Partnerships channel growth
Revenue
$254.90M
▲ 263.6% YoY
Diluted EPS
$-0.42
Rev · 8q Trailing quarterly revenue
Audio Transcript Slides 8-K10-Q
Earnings call
FY23 · Q4
2024-02-21
Root, Inc. Q4 FY2023 Earnings Call
Confident tone Loss ratio improvement Gross written premium growth Inflationary environment and risk monitoring
Revenue
$194.80M*
▲ 173.2% YoY
Rev · 8q Trailing quarterly revenue
Audio Transcript Slides 8-K10-K
Earnings call
FY23 · Q3
2023-11-01
Root, Inc. Q3 FY2023 Earnings Call
Revenue
$115.30M
▲ 56.4% YoY
Diluted EPS
$-3.16
Rev · 8q Trailing quarterly revenue
Audio Transcript Slides 8-K10-Q
Earnings call
FY23 · Q2
2023-08-02
Root, Inc. Q2 FY2023 Earnings Call
Revenue
$74.80M
▼ 7% YoY
Diluted EPS
$-2.55
Rev · 8q Trailing quarterly revenue
Audio Transcript Slides 8-K10-Q
Earnings call
FY23 · Q1
2023-05-03
Root, Inc. Q1 FY2023 Earnings Call
Revenue
$70.10M
▼ 17.9% YoY
Diluted EPS
$-2.88
Rev · 8q Trailing quarterly revenue
Audio Transcript Slides 8-K10-Q
Earnings call
FY22 · Q4
2023-02-22
Root, Inc. Q4 FY2022 Earnings Call
Revenue
$71.30M
▼ 23.5% YoY
Diluted EPS
$-4.13
Rev · 8q Trailing quarterly revenue
Audio Transcript Slides 8-K10-K
Earnings call
FY22 · Q3
2022-11-09
Root, Inc. Q3 FY2022 Earnings Call
Revenue
$73.70M
▼ 21.4% YoY
Diluted EPS
$-4.71
Rev · 8q Trailing quarterly revenue
Audio Transcript Slides 8-K10-Q
Earnings call
FY22 · Q2
2022-08-08
Root, Inc. Q2 FY2022 Earnings Call
Revenue
$80.40M
▼ 10.5% YoY
Diluted EPS
$-6.77
Rev · 8q Trailing quarterly revenue
Audio Transcript Slides 8-K10-Q
Earnings call
FY22 · Q1
2022-04-27
Root, Inc. Q1 FY2022 Earnings Call
Revenue
$85.40M
▲ 24.5% YoY
Diluted EPS
$-5.54
Rev · 8q Trailing quarterly revenue
Audio Transcript Slides 8-K10-Q
Earnings call
FY21 · Q4
2022-02-23
Root, Inc. Q4 FY2021 Earnings Call
Revenue
$93.20M*
▲ 83.1% YoY
Rev · 8q Trailing quarterly revenue
Audio Transcript Slides 8-K10-K
Earnings call
FY21 · Q3
2021-11-10
Root, Inc. Q3 FY2021 Earnings Call
Revenue
$93.80M
▲ 85.7% YoY
Diluted EPS
$-9.57
Rev · 8q Trailing quarterly revenue
Audio Transcript Slides 8-K10-Q
Earnings call
FY21 · Q2
2021-08-11
Root, Inc. Q2 FY2021 Earnings Call
Revenue
$89.80M
▼ 26% YoY
Diluted EPS
$-12.96
Rev · 8q Trailing quarterly revenue
Audio Transcript Slides 8-K10-Q
Earnings call
FY21 · Q1
2021-05-05
Root, Inc. Q1 FY2021 Earnings Call
Revenue
$68.60M
▼ 44.7% YoY
Diluted EPS
$-7.20
Rev · 8q Trailing quarterly revenue
Audio Transcript Slides 8-K10-Q
Earnings call
FY20 · Q4
2020-12-31
Root, Inc. Q4 FY2020 Earnings Call
Revenue
$50.90M
▼ 52.2% YoY
Rev · 8q Trailing quarterly revenue
Audio Transcript Slides 8-K10-K
Earnings call
FY20 · Q3
2020-12-01
Root, Inc. Q3 FY2020 Earnings Call
Revenue
$50.50M
▼ 36.6% YoY
Diluted EPS
$-39.60
Rev · 7q Trailing quarterly revenue
Audio Transcript Slides 8-K10-Q
Showing 1–24 of 24 earnings calls
Key facts CIK 1788882 CUSIP 77664L207 13F (30d) 157 filings 153 filers Visit website Investor relations

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