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Root cash flow, quarter by quarter

Latest: Q3 2026 · from the cash-flow statements filed with the SEC

Free cash flow$47.3M in Q3 2026 · $183M over twelve months

Operating cash flow$47.3M
Free cash flow+$47.3M
Cash / net income3.3×

Analysis

In Q3 2026, Root generated $47.3M of operating cash flow. That is $10.3M less than in Q3 2025 ($57.6M).

Over the twelve months to Sep 30, 2026, operating cash flow was $184M; the largest uses were net borrowing (+) / repaid (−) ($203M), other investing ($111M), taxes on employees’ shares ($13.4M); besides operations, cash came from other financing ($162M); the cash balance rose by $17.2M.

Operating cash flow was $47.3M against net income of $14.4M — 3.3× profit, cash ran ahead of reported earnings. The largest differences: stock-based pay +$8.9M, prepaid and other assets +$5.6M, depreciation & amortization +$4.6M.

Free cash flow

Root: free cash flow by quarterRoot: free cash flow by quarter$69.2MQ4 2024$26.8MQ1 2025$52.0MQ2 2025$57.6MQ3 2025$70.1MQ4 2025$9.3MQ1 2026$57.5MQ2 2026$47.3MQ3 2026
Operating cash flow less capital spending.
Root: operating cash flow against capital spendingRoot: operating cash flow against capital spendingOperating cash flowCapital spending$69.2M$0Q4 2024$26.8M$0Q1 2025$52.0M$0Q2 2025$57.6M$0Q3 2025$70.1M$0Q4 2025$9.3M$0Q1 2026$57.5M$0Q2 2026$47.3M$0Q3 2026
Latest (Q3 2026): Operating cash flow $47.3M, Capital spending $0.

Capital allocation, year by year

Root: where the cash came from (up) and went (down), by fiscal yearRoot: where the cash came from (up) and went (down), by fiscal yearOperating cash flowNet borrowingShares issuedCapital spendingFY2021: Operating cash flow −$403MFY2021: Net borrowing −$200MFY2021: Shares issued $3.2MFY2021: Capital spending −$4.6M$3.2MFY2021FY2022: Operating cash flow −$211MFY2022: Shares issued $1.3M$1.3MFY2022FY2023: Operating cash flow −$33.6MFY2023: Capital spending −$200KFY2023FY2024: Operating cash flow $196MFY2024: Net borrowing −$237MFY2024: Shares issued $100KFY2024: Capital spending −$400K$196MFY2024FY2025: Operating cash flow $206MFY2025: Shares issued $300K$207MFY2025
Over these 5 years operating cash flow totalled −$245M; the largest uses were operating cash flow ($648M) and net borrowing ($437M). Cash-flow statements as filed.

Cash runway and the debt wall

Cash & investments$596M
Debt$198M
Net cash$399M

Root funds itself: free cash flow was $183M over the last twelve months, and $596M of cash and investments stands against $198M of debt.

Where the cash came from and went

Root: sources (+) and uses (−) of cash, Q3 2026Root: sources (+) and uses (−) of cash, Q3 2026Cash drawn (+) / kept (−)−$96.8MOther investing$66.3MOperating cash flow$47.3MBuybacks−$15.5MTaxes on employees’ shares−$800KNet borrowing (+) / repaid (−)−$500K
Root: sources (+) and uses (−) of cash, TTM to Q3 2026Root: sources (+) and uses (−) of cash, TTM to Q3 2026Net borrowing (+) / repaid (−)−$203MOperating cash flow$184MOther financing$162MOther investing−$111MCash drawn (+) / kept (−)−$17.2MTaxes on employees’ shares−$13.4MCapital spending−$1.1M

From profit to cash

Root: net income to operating cash flow, Q3 2026Root: net income to operating cash flow, Q3 2026Net income$14.4MDepreciation & amortization$4.6MStock-based pay$8.9MGains on investments$500KPayables$1.1MPrepaid and other assets$5.6MOther liabilities$100KOperating cash flow$47.3M
Non-cash charges are added back; money tied up in receivables or inventory is subtracted.

Every quarter

QuarterOperating cash flowBuybacksNet borrowing (+) / repaid (−)Shares issuedCash drawn (+) / kept (−)Free cash flow
Q3 2026$47.3M−$15.5M−$500K—−$96.8M$47.3M
Q2 2026$57.5M———$34.1M$57.5M
Q1 2026$9.3M———$81.0M$9.3M
Q4 2025$70.1M———−$35.5M$70.1M
Q3 2025$57.6M——−$100K−$11.9M$57.6M
Q2 2025$52.0M——$100K−$32.0M$52.0M
Q1 2025$26.8M——$300K−$10.2M$26.8M
Q4 2024$69.2M——$100K$75.5M$69.2M

Root: income statement and cash flow

Root, Q3 2026: revenue $381M (-2% year over year), operating margin 4.8%. The chart follows the revenue to costs, profit and cash.

Root: every quarter, Q/Q and Y/Y → Open in the app

Read automatically from the company’s XBRL cash-flow statements; quarterly figures for the fourth quarter are the year less the first three. Errors are possible. Not investment advice.