Root

ROOT

Market cap $1.25B

Root, Inc. ( ROOT ) Q3 2025 Earnings Call November 5, 2025 5:00 PM EST Company Participants Matthew LaMalva - Head of Investor Relations Alexander Timm - Co-Founder, CEO & Chairman Conference Call Participants Andrew Andersen - Jefferies LLC, Research Division Hristian Getsov - Wells Fargo Securities, LLC, Research Division Presentation Operator Greetings. Welcome to Root's Third Quarter 2025 Earnings Conference Call.

California-based Palisades Investment Partners initiated a position of 81,716 shares of Root valued at $7.3 million in the third quarter. Root now accounts for 2.9% of fund AUM, which places it outside the fund's top five holdings The fund also dumped its full stake in ADMA Biologics in the quarter.

Root's Q2 2025 net income hit $22 million, with a 59.6% gross accident period loss ratio outperforming major peers. Gross earned premium rose 21% YoY to $371 million, while net premiums earned jumped over 30%, signaling strong growth. Embedded partnerships like Carvana and Experian drove 44% of new writings, up from 17% YoY, tripling partner-led growth.

Demandbase, Root Insurance, and Octave are the latest additions to Codeword's fast-growing client roster Demandbase, Root Insurance, and Octave are the latest additions to Codeword's fast-growing client roster

COLUMBUS, Ohio, Oct. 07, 2025 (GLOBE NEWSWIRE) -- Root, Inc. (NASDAQ: ROOT), the parent company of Root Insurance Company, today announced its plans to host a conference call on Wednesday, November 5, 2025 at 5:00 p.m. Eastern Time to discuss financial results for the third quarter 2025 and provide an update on company operations. The company plans to release its third quarter results in the Investor Relations section of its website at ir.joinroot.com following the close of the financial markets on Wednesday, November 5, 2025.

Root, Inc. (ROOT) stands at an inflection point, leveraging AI-driven data to achieve superior loss ratios and competitive pricing. ROOT's pivot to an embedded business model, highlighted by its Carvana partnership, is driving growth and reducing customer acquisition costs. Despite recent stock volatility and near-term spending, ROOT's strong customer satisfaction and scalable technology support long-term growth potential.

Adding growth stocks to your investment portfolio is one way to tap into the potential of tomorrow's winners. These companies are innovators in industries poised for disruption and grow rapidly as they capture market share from legacy operators.

Root's improved combined ratio highlights underwriting strength, AI-driven pricing gains and long-term profitability potential.

Conservative investors might prefer to own shares of traditional insurance companies like Allstate (NYSE:ALL) and Progressive (NYSE:PGR), and that's fine.

EverQuote's debt-free growth strategy and AI-powered platform position it well compared to Root in the insurtech race.