Filing Flows › Root (ROOT) › Q3 2026
Root (ROOT) Q3 2026 earnings results (third quarter 2026)
10-Q filed Nov 4, 2026
Root (ROOT) reported revenue of $381M for the third quarter 2026 (Q3 2026), -2% from a year earlier and -2% from the quarter before. Operating margin was 4.8%, net earnings $14.4M (3.8% of revenue).
Root, Q3 2026: revenue $381M (-2% year over year), operating margin 4.8%, net earnings $14.4M, operating cash flow $47.3M. The chart follows the revenue to costs, profit and cash.
| Q3 2026 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $381M | -2% | -2% |
| Operating profit | $18.3M | -47% | 61× |
| Net earnings | $14.4M | -43% | — |
| Operating cash flow | $47.3M | -18% | -18% |
What changed
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.
Questions
What was Root's revenue in the third quarter 2026?
Root (ROOT) reported revenue of $381M for the third quarter 2026 (Q3 2026), -2% from a year earlier and -2% from the quarter before.
Was Root profitable in the third quarter 2026?
Operating profit was $18.3M (4.8% of revenue) and net earnings $14.4M.
Source: Root 10-Q on SEC EDGAR.