Root, Inc. Reports Strong Q3 2025 Growth

Root, Inc. ( (ROOT) ) has released its Q3 earnings. Here is a breakdown of the information Root, Inc. presented to its investors.

Root, Inc., based in Columbus, Ohio, is a technology-driven insurance company that leverages data science to offer personalized insurance solutions, primarily in the auto insurance sector. In its latest earnings report for Q3 2025, Root, Inc. announced a significant growth in revenue and policies-in-force, driven by a 29% increase in net earned premiums and a tripling of new writings through independent agents. The company reported a gross loss ratio of 59%, showcasing the effectiveness of its pricing and underwriting technology. Key financial highlights include a 17% increase in gross premiums written and an 18% rise in gross premiums earned year-over-year. Despite a net loss of $5 million due to non-cash expenses related to its partnership with Carvana, Root, Inc. maintained a strong capital position with $309 million in unencumbered capital. Looking ahead, Root, Inc. remains optimistic about its growth prospects, driven by its technology and data science capabilities, and aims to expand its distribution channels and geographic footprint.