---
title: "Root Inc. Financial Metrics Guide"
description: "Root Inc. revenue, margins, cash flow and balance sheet figures by fiscal year, taken from its SEC filings, with the ratios computed and explained."
canonical: https://www.getswoopr.com/stocks/companies/root-inc/financial-metrics/
source: "Swoopr Investment: https://www.getswoopr.com"
---

# Root Inc. Financial Metrics Guide

## Direct Answer

> Root Inc. reported revenue of $1.5 billion for the fiscal year ended December 31, 2025, with an operating margin of 4.1% and net income of $40 million, according to its SEC filings. Revenue grew 29.0% from the prior year.

## What Are Root Inc.'s Key Financial Figures?

| Fiscal year | FY2025ended December 31, 2025 | FY2024ended December 31, 2024 | FY2023ended December 31, 2023 | FY2022ended December 31, 2022 |
| --- | --- | --- | --- | --- |
| Revenue | $1.5 billion | $1.2 billion | $455 million | $311 million |
| Operating income | $62 million | $79 million | -$101 million | -$263 million |
| Operating margin | 4.1% | 6.7% | -22.3% | -84.7% |
| Net income | $40 million | $31 million | -$147 million | -$298 million |
| Net margin | 2.6% | 2.6% | -32.3% | -95.9% |
| Operating cash flow | $207 million | $196 million | -$34 million | -$211 million |
| Capital expenditures | $0 | $400,000 | $200,000 | $0 |
| Free cash flow | $207 million | $195 million | -$34 million | -$211 million |

Operating margin narrowed by 2.6 percentage points between fiscal 2024 and 2025, which separates pricing and cost discipline from revenue growth alone. Free cash flow (operating cash flow minus capital expenditures) was $207 million against net income of $40 million; cash generation covered reported earnings.

![Bar chart of Root Inc. revenue, operating income, net income for fiscal 2022 to 2025. In fiscal 2025, revenue was $1.5 billion, operating income $62 million and net income $40 million.](https://www.getswoopr.com/images/charts/root-inc-metrics-revenue-profit.webp)
*Root Inc. revenue, operating income and net income by fiscal year, from the figures in the table above. Select the chart to open it full size.*

![Line chart of Root Inc. operating margin and net margin for fiscal 2022 to 2025. In fiscal 2025, operating margin was 4.1% and net margin was 2.6%.](https://www.getswoopr.com/images/charts/root-inc-metrics-margins.webp)
*Root Inc. operating margin and net margin by fiscal year: operating income and net income as a share of revenue. Select the chart to open it full size.*

![Bar chart of Root Inc. operating cash flow, capital expenditures, free cash flow for fiscal 2022 to 2025. In fiscal 2025, operating cash flow was $207 million, capital expenditures was $0, free cash flow was $207 million.](https://www.getswoopr.com/images/charts/root-inc-metrics-cash-flow.webp)
*Root Inc. operating cash flow, capital expenditures and free cash flow by fiscal year. Select the chart to open it full size.*

## What Does Root Inc.'s Balance Sheet Show?

| Cash and cash equivalents | $669 million |
| --- | --- |
| Long-term debt | $200 million |
| Total assets | $1.7 billion |
| Total liabilities | $1.3 billion |
| Shareholders' equity | $284 million |
| Current ratio | n/a |

Balance sheet values are as of the end of fiscal 2025. Income statement figures describe a whole year; balance sheet figures describe a single day, so the two answer different questions.

## Where These Numbers Come From

Every figure on this page is a value Root Inc. reported in its own SEC filings, read from the SEC's XBRL data (accession 0001788882-26-000014 for fiscal year 2025). Ratios are computed from those reported values. Figures were retrieved on October 7, 2026; a later amendment or a new annual report can change them, and the filing itself always takes precedence over this summary.

Each fiscal year is labeled by the calendar year in which it ended, so a company that names the same period differently in its own filings (many retailers whose year ends in January) may use another label. A year is left out of the table when the SEC data set holds no value for it. A figure shown as "Not reported" means the company did not file a value under the standard tag Swoopr reads, not that the amount was zero. This page is educational and describes reported history only; it is not a forecast or a recommendation.

## Frequently Asked Questions

### What was Root Inc.'s revenue in fiscal 2025?

Root Inc. reported revenue of $1.5 billion for the fiscal year ended December 31, 2025, according to its SEC filings.

### What is Root Inc.'s operating margin?

Root Inc.'s operating margin was 4.1% in fiscal 2025: operating income of $62 million on revenue of $1.5 billion.

### How much free cash flow did Root Inc. generate?

Operating cash flow of $207 million less capital expenditures of $0 gives free cash flow of $207 million for fiscal 2025.

## References

- [SEC EDGAR: Root, Inc. Form 10-K filed February 25, 2026](https://www.sec.gov/Archives/edgar/data/1788882/000178888226000014/root-20251231.htm)
- [SEC EDGAR: Root, Inc. annual and quarterly filings](https://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=1788882&type=10-K)
- [SEC: EDGAR application programming interfaces (XBRL frames and submissions data)](https://www.sec.gov/search-filings/edgar-application-programming-interfaces)

## Related Pages

- [Root Inc. company dossier](https://www.getswoopr.com/stocks/companies/root-inc/)
- [Root Inc. financial metrics](https://www.getswoopr.com/stocks/companies/root-inc/financial-metrics/)
- [Root Inc. financial risk indicators](https://www.getswoopr.com/stocks/companies/root-inc/risks-monitoring/)
- [Root Inc. business model and revenue mix](https://www.getswoopr.com/stocks/companies/root-inc/business-model/)
- [Fundamental analysis guides](https://www.getswoopr.com/learn/fundamental-analysis/)

[Swoopr Editorial Team](https://www.getswoopr.com/authors/swoopr-editorial-team/)

Swoopr's editorial team produces independent investment education content. Content is for educational purposes only and does not constitute personalized investment advice. See our [editorial policy](https://www.getswoopr.com/legal/editorial-policy/) and [corrections policy](https://www.getswoopr.com/legal/corrections-policy/).