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Investor Relations14 Oct 2025
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Root (ROOT) investor relations material
Root Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary6 Aug, 2025
Executive summary
Achieved record revenue in Q2 2025, with gross earned premiums up 21% to $371M and net income of $22M, a $30M year-over-year improvement, driven by growth in policies in force and reduced reinsurance cessions.
Advanced next-gen pricing model, leveraging AI and machine learning, increasing customer LTVs by over 20% on average and expanding partnerships and state approvals.
Adjusted EBITDA reached $38M, up $26M year-over-year, reflecting improved operating leverage and technology investments.
Strategic reduction in quota share reinsurance increased retained premiums and improved gross profit.
Partnership channel new writings nearly tripled year-over-year, with strong early traction through independent agents and comparative raters.
Financial highlights
Total revenue for Q2 2025 was $382.9M, up 32.4% year-over-year; gross premiums written increased 12% to $346.2M.
Net income for Q2 2025 was $22M, compared to a net loss of $7.8M in Q2 2024; net income per diluted share was $1.29.
Operating income reached $27M, and adjusted EBITDA was $38M, up $24M and $26M year-over-year, respectively.
Gross profit increased to $101.7M from $70.8M in Q2 2024.
Unencumbered capital stood at $314M at quarter-end, with cash and marketable securities totaling $964.1M.
Outlook and guidance
Continued investment in technology, national expansion, and partnership channel expected to pressure near-term net income due to seasonal loss ratio increases in H2.
Expects $16M–$18M non-cash warrant expense in Q3 2025 related to Carvana partnership, resulting in a net loss for the quarter but positive adjusted EBITDA.
Management anticipates growth in policies in force and premiums per policy, supported by partnership channel and technology-driven pricing.
Flexibility in reinsurance strategy will be maintained to optimize capital efficiency.
Sufficient liquidity and capital resources are projected to support operations for at least the next 12 months.
How does the new pricing model impact customer LTV?
What's the expected warrant expense in Q3?
Elaborate on R&D spend for marketing channels.
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Next Root earnings date
Q3 20255 Nov, 2025
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Eferix Drawings Google Play
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Frequently asked questions
Root Inc is a technology-driven insurance company specializing in personalized auto, renters, and homeowners insurance products. The company utilizes mobile technology and telematics data to offer usage-based insurance pricing models. Root Inc primarily serves individual consumers across the United States. The company is headquartered in Columbus, Ohio, and its shares are listed on the NASDAQ.
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