Filing Flows › Root (ROOT) › Q3 2026 › vs Q3 2025
Root (ROOT) Q3 2026 vs Q3 2025 (year over year)
Root's revenue fell $6.5M (-2%) from $388M in Q3 2025 to $381M in Q3 2026. Operating margin 4.8% against 0.1% (+4.7 pts).
Root, Q3 2026: revenue $381M (-2% year over year), operating margin 4.8%, net earnings $14.4M, operating cash flow $47.3M. The chart draws each line against Q3 2025, the increases inside each band.
Margins
| Q3 2026 | Q3 2025 | Change | |
|---|---|---|---|
| Operating margin | 4.8% | 0.1% | +4.7 pts |
| Net margin | 3.8% | -1.4% | +5.2 pts |
Every line
| Line | Q3 2026 | Q3 2025 | Change | % |
|---|---|---|---|---|
| Revenue | $381M | $388M | −$6.5M | -2% |
| Operating profit | $18.3M | $300K | $18.0M | 61× |
| Costs & expenses | $363M | $388M | −$24.5M | -6% |
| Pre-tax earnings | $14.5M | −$5.0M | $19.5M | — |
| Other expense, net | $3.8M | $5.3M | −$1.5M | -28% |
| Sales & marketing | $32.2M | $40.6M | −$8.4M | -21% |
| General & admin | $21.3M | $25.8M | −$4.5M | -17% |
| Other operating costs | $310M | $321M | −$11.6M | -4% |
| Net earnings | $14.4M | −$5.4M | $19.8M | — |
| Income tax | $100K | $400K | −$300K | -75% |
| Depreciation & amortization | $4.6M | $4.7M | −$100K | -2% |
| Share-based compensation | $8.9M | $11.6M | −$2.7M | -23% |
| Working capital & other | $19.4M | $46.7M | −$27.3M | -58% |
| Operating cash flow | $47.3M | $57.6M | −$10.3M | -18% |
Questions
How much did Root's revenue grow year over year in Q3 2026?
Root's revenue fell $6.5M (-2%) from $388M in Q3 2025 to $381M in Q3 2026. Operating margin 4.8% against 0.1% (+4.7 pts).