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Root (ROOT) investor relations material
Root Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary5 Nov, 2025
Executive summary
Achieved record quarter for policies in force and revenue, with net premiums earned up 28.9% year-over-year for Q3 2025, driven by growth in both direct and partnership channels and higher premiums per policy.
Growth supported by new pricing algorithms, expansion into Washington state, and new marketing channels.
Maintained strong loss ratio performance while accelerating growth, despite a net loss due to increased Carvana warrant expense.
Independent agent channel tripled new writings year-over-year, now representing 50% of partnership distribution.
Strategic reduction in quota share reinsurance improved capital efficiency but increased capital requirements.
Financial highlights
Net loss of $5.4 million for Q3 2025, primarily due to a $17.2 million non-cash Carvana warrant expense.
Net premiums earned: $360.1M in Q3 2025, up 28.9% year-over-year; total revenues: $387.8M, up 26.9%.
Adjusted EBITDA: $33.7M for Q3 2025; operating income of $300,000.
Double-digit year-over-year increases in policies in force, written premium, and earned premium.
Gross accident period loss ratio: 59.5% for Q3 2025.
Outlook and guidance
Expect continued acceleration in policies in force growth and premiums per policy.
Planning to increase direct R&D marketing investment by $5 million in Q4.
Anticipate a seasonal headwind to loss ratio in Q4, similar to last year's 5 percentage point impact.
Existing cash, equivalents, and marketable securities are sufficient to support operations for at least the next 12 months.
Independent agent channel penetration strategy
Capital deployment for highest profit growth
Pricing strategy with healthy loss ratio
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Frequently asked questions
Root Inc is a technology-driven insurance company specializing in personalized auto, renters, and homeowners insurance products. The company utilizes mobile technology and telematics data to offer usage-based insurance pricing models. Root Inc primarily serves individual consumers across the United States. The company is headquartered in Columbus, Ohio, and its shares are listed on the NASDAQ.
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