Filing Flows › Root (ROOT) › Q4 2025
Root (ROOT) Q4 2025 earnings results (fourth quarter 2025)
10-K filed Feb 25, 2026
Root (ROOT) reported revenue of $397M for the fourth quarter 2025 (Q4 2025), +22% from a year earlier and +2% from the quarter before. Operating margin was 2.6%, net earnings $5.3M (1.3% of revenue).
Root, Q4 2025: revenue $397M (+22% year over year), operating margin 2.6%, net earnings $5.3M, operating cash flow $70.1M. The chart follows the revenue to costs, profit and cash.
| Q4 2025 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $397M | +2% | +22% |
| Operating profit | $10.5M | 35× | -70% |
| Net earnings | $5.3M | — | -76% |
| Operating cash flow | $70.1M | +22% | +1% |
What changed
Revenue was $397.0M in Q4 2025, up 22% year over year and up 2% from the previous quarter.
Operating profit was $10.5M, a 2.6% margin (down 8.0 points year over year). Operating profit fell $24.4M even though revenue rose $70.3M versus a year earlier, so costs grew faster than sales. Total costs grew 32% against revenue growth of 22%. The fastest-growing cost line was General & admin (+61%). Net earnings were $5.3M, down 76% year over year. The effective tax rate was 1.9%.
Operating cash flow was $70.1M (up 1% year over year), 1323% of net earnings. Non-cash charges added back $3.1M of depreciation and amortization and $13.7M of share-based compensation. Working capital and other items added $48.0M.
Questions
What was Root's revenue in the fourth quarter 2025?
Root (ROOT) reported revenue of $397M for the fourth quarter 2025 (Q4 2025), +22% from a year earlier and +2% from the quarter before.
Was Root profitable in the fourth quarter 2025?
Operating profit was $10.5M (2.6% of revenue) and net earnings $5.3M.
Source: Root 10-K on SEC EDGAR.