Root, Inc. financial metrics

Professional SEC-based dashboard for profitability, financial health, and growth with transparent scoring logic. Latest period: Q4 2025.

Symbol
ROOT on Nasdaq
Location
Columbus, OH
Fiscal year end
31 December
Latest financial report
25 Feb 2026

Quick Takeaways

  • ROOT - Root, Inc. financial facts are built from SEC company filings data.
  • Latest metrics period on this page: Q4 2025.
  • Headline metric: Return On Equity 11%.

What Changed

  • Return On Equity YoY change: <span class="text-red-600">-1.3%</span>.
  • Most recent SEC facts end date: 31 Dec 2025.

Why This Matters

  • This gives a beginner-friendly first read before you inspect detailed formulas and metric tables.
  • Every metric card links to a deeper SEC-backed history page for verification.

Official SEC Source

Based on latest 10-Q/10-K

Facts and ratios are grounded in SEC company facts linked to the latest 10-Q/10-K cycle.

See Original Filing

Latest SEC snapshot (2025-12-31) highlights Return On Equity 11.3%, Return On Assets 2.4%, and Operating Margin 2.6%.

Financial Quality Score

Transparent 0-100 scoring model based on profitability, financial health, and growth factors.

59.6/100

Caution Confidence high

Return On Equity

11%

Metric score 19.5/100

Return On Assets

2.4%

Metric score 5.5/100

Financial Health

Current Ratio
2.45x
Quick Ratio
2.12x
Debt to Equity
0.52x

Strengths

Current Ratio, Quick Ratio, and Debt-to-equity

Watchpoints

Return On Equity, Return On Assets, and Operating Margin

Key metrics snapshot

Return On Equity

11%

YoY: -1.3%

Industry median: 14% (n=63)

View history

Return On Assets

2.4%

YoY: +17%

Industry median: 3.3% (n=63)

View history

Debt-to-equity

0.52x

YoY: -29%

Industry median: 3.24x (n=57)

View history

Revenues YoY

29%

YoY:

Industry median: 6.7% (n=65)

View history

NetIncomeLoss YoY

30%

YoY:

Industry median: 24% (n=58)

View history

Profitability

Metric Latest value YoY change
Return On Equity 11% -1.3%
Return On Assets 2.4% +17%
Operating Margin 2.6% -39%

Financial Health

Metric Latest value YoY change
Current Ratio 2.45x
Quick Ratio 2.12x
Debt-to-equity 0.52x -29%

Growth

Metric Latest value YoY change
Revenues YoY 29%
NetIncomeLoss YoY 30%

Share Metrics

Metric Latest value YoY change
Weighted Average Number of Shares Outstanding, Basic 15,400,000 +3.4%
Weighted Average Number of Shares Outstanding, Diluted 17,100,000 +1.2%

Additional Metrics

Metric Latest value YoY change
Selling and Marketing Expense $174,800,000 +29%
General and Administrative Expense $96,900,000 +39%
Operating Income (Loss) $61,800,000 -21%
Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling Interest $40,800,000 +32%
Income Tax Expense (Benefit) $500,000
Earnings Per Share, Basic 2.49 +27%
Earnings Per Share, Diluted 2.36 +29%
Cash and Cash Equivalents, at Carrying Value $669,300,000 +12%
Property, Plant and Equipment, Net $1,200,000 -33%
Operating Lease, Right-of-Use Asset $2,000,000 -23%
Assets $1,674,500,000 +12%
Liabilities $1,278,200,000 +8.3%
Accumulated Other Comprehensive Income (Loss), Net of Tax $3,900,000
Retained Earnings (Accumulated Deficit) $1,641,600,000 +2.4%
Stockholders' Equity Attributable to Parent $284,300,000 +40%
Liabilities and Equity $1,674,500,000 +12%
Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents $689,900,000 +15%
Deferred Tax Assets, Valuation Allowance $339,800,000 -1.8%
Deferred Tax Assets, Gross $352,600,000 -0.73%
Operating Lease, Liability $4,300,000 -28%
Comprehensive Income (Loss), Net of Tax, Attributable to Parent $46,500,000 +50%
Lessee, Operating Lease, Liability, to be Paid $4,800,000 -32%
Property, Plant and Equipment, Gross $8,000,000 -49%
Lessee, Operating Lease, Liability, to be Paid, Year Two $2,300,000 0%
Lessee, Operating Lease, Liability, to be Paid, Year One $2,300,000 +4.5%
Operating Lease, Weighted Average Discount Rate, Percent 0.1179 -0.34%
Lessee, Operating Lease, Liability, Undiscounted Excess Amount $500,000 -55%
Lessee, Operating Lease, Liability, to be Paid, Year Three $200,000 -92%
Deferred Tax Assets, Operating Loss Carryforwards $269,800,000 -0.66%
Preferred Stock, Shares Issued 14,100,000 0%
Preferred Stock, Shares Authorized 100,000,000 0%
Lessee, Operating Lease, Liability, to be Paid, Year Four $0 -100%
Additional Paid in Capital $1,922,000,000 +1.8%
Preferred Stock, Shares Outstanding 14,100,000 0%
Deferred Tax Assets, Net of Valuation Allowance $12,800,000 +38%
Share-based Payment Arrangement, Expense $40,100,000 +117%
Preferred Stock, Par or Stated Value Per Share 0.0001 0%

How we score

This score is transparent and deterministic. We weight profitability, financial health, and growth metrics, then renormalize weights when SEC data is missing.

Metric Weight V1 threshold
ROIC205% to 20%
ROE158% to 25%
ROA102% to 10%
Operating Margin55% to 25%
Current Ratio121.0x to 2.0x
Quick Ratio80.8x to 1.5x
Debt to Equity100.3x to 2.0x (lower is better)
Revenue YoY10-10% to +20%
Net Income YoY10-10% to +20%

How Calculated (standard_v1)

Metrics are computed with a market-consensus convention designed for cross-portal comparability.

  • TTM Operating Income / TTM Revenues
  • Current Assets / Current Liabilities (latest instant quarter)
  • (Current Assets - Inventory) / Current Liabilities; fallback: (Cash+Short-Term Investments + Accounts Receivable) / Current Liabilities
  • Total Debt / Stockholders Equity (latest instant quarter; shared unit; freshest series)
  • TTM Net Income / Average Equity (current quarter + same quarter previous year) / 2
  • TTM Net Income / Average Assets (current quarter + same quarter previous year) / 2
  • TTM NOPAT / Average Invested Capital, where NOPAT=Operating Income*(1-tax rate), Invested Capital=Equity+Total Debt-Cash & ST Investments
  • TTM Revenues YoY
  • TTM Net Income YoY