Filing Flows › Financials › Root (ROOT)
Root (ROOT) earnings and revenue breakdown
Latest: Q3 2026 · 10-Q filed Nov 4, 2026 · Root (ROOT) Q3 2026 earnings results →
Q3 2026 Revenue down 2% year over year to $381M · 4¢ of every $1 of revenue kept as net profit · operating margin 4.8%
Root made $381M in Q3 2026 (-2% Y/Y). Operating margin 4.8%, net earnings $14.4M. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-Q filed Nov 4, 2026.
Drawing the Sankey…
Open the interactive Sankey → click any line for what the company wrote about it, compare Y/Y and Q/Q, export as PNG or PDF
What changed this quarter
Revenue was $381.3M in Q3 2026, down 2% year over year and down 2% from the previous quarter.
Operating profit was $18.3M, a 4.8% margin (up 4.7 points year over year). Total costs fell 6% while revenue fell 2%. Net earnings were $14.4M. The effective tax rate was 0.7%.
Operating cash flow was $47.3M (down 18% year over year), 328% of net earnings. Non-cash charges added back $4.6M of depreciation and amortization and $8.9M of share-based compensation. Working capital and other items added $19.4M.
Quarterly history
| Quarter | Form | Filed | Revenue | Y/Y | Op. margin | Net earnings | Op. cash flow |
|---|---|---|---|---|---|---|---|
| Q3 2026 | 10-Q | Nov 4, 2026 | $381M | -2% | 4.8% | $14.4M | $47.3M |
| Q2 2026 | 10-Q | Aug 5, 2026 | $389M | +2% | 8.9% | $25.4M | $57.5M |
| Q1 2026 | 10-Q | May 6, 2026 | $394M | +13% | 10.4% | $35.9M | $9.3M |
| Q4 2025 | 10-K | Feb 25, 2026 | $397M | +22% | 2.6% | $5.3M | $70.1M |
| Q3 2025 | 10-Q | Nov 5, 2025 | $388M | +27% | 0.1% | −$5.4M | $57.6M |
| Q2 2025 | 10-Q | Aug 6, 2025 | $383M | +32% | 7.1% | $22.0M | $52.0M |
| Q1 2025 | 10-Q | May 7, 2025 | $349M | +37% | 6.8% | $18.4M | $26.8M |
Charts
Interactive views
The same charts as the app — open one to draw it.
💵Where each $1 goesinteractive
Loading the interactive chart…
🌏Named in Asian annual reportsinteractive
Loading the interactive chart…
🔄Rotation against the market and its industry (RRG)interactive
Loading the interactive chart…
🔍Earnings qualityinteractive
Loading the interactive chart…
⚖️Fair value by methodinteractive
Loading the interactive chart…
🔭Outlook & guidanceinteractive
Loading the interactive chart…
📈Investments: gains and what it boughtinteractive
Loading the interactive chart…
🏭Its industry’s money flow (input-output)interactive
Loading the interactive chart…
Customers and suppliers named in filings
Buys from
- AAPL · Stated in 10-K (named, share not stated) · source
- GOOGL · Stated in 10-K (named, share not stated) · source
About Root
Root is a technology insurance company founded on the idea that car insurance rates should be based primarily on driving behaviors, not demographics. We are revolutionizing the archaic car insurance industry by using modern technology, data science, and telematics to offer fair, personalized rates to good drivers. We primarily reach customers through two channels: our direct channel, where we target consumers with what we believe to be a great insurance product at a great price, and through our partnership channel, where we meet consumers at contextually relevant times, such as during the car purchasing experience or through independent insurance agents.
In its own words, from its 10-K, filed Feb 25, 2026.
Root against its Fire, Marine & Casualty Insurance peers
The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: -2% against the peers' median +2%. Operating margin: 4.8% against the peers' median 15.1%.
| Company | Quarter | Revenue | Y/Y | Op. margin |
|---|---|---|---|---|
| ROOT Root | Q3 2026 | $381M | -2% | 4.8% |
| BRK-B Berkshire Hathaway | Q2 2026 | $101.8B | +10% | 15.5% |
| PGR Progressive | Q3 2026 | $23.2B | +3% | 14.0% |
| ALL Allstate | Q3 2026 | $17.3B | +0.5% | 15.1% |
| CB Chubb | Q3 2026 | $16.2B | +0.3% | 21.0% |
| TRV Travelers Companies | Q3 2026 | $12.4B | -0.5% | 19.1% |
| AIG American International Group | Q3 2026 | $7.4B | +17% | 15.0% |
| HIG Hartford Insurance Group | Q3 2026 | $7.2B | +4% | 21.9% |
| L Loews | Q3 2026 | $4.8B | +2% | 8.5% |
Source: Root 10-Q on SEC EDGAR · CIK 1788882 · Fire, Marine & Casualty Insurance
Guidance and outlook
13F: who owns ROOT and who is buying
More on ROOT
History
Every quarter: Q3 2026 results · Q2 2026 results · Q1 2026 results · Q4 2025 results · Q3 2025 results · Q2 2025 results · Q1 2025 results