GROSSPATTERN / FUNDAMENTAL STATE / POINT IN TIME

ROOT · Dec 31, 2025

Root, Inc.. A multidimensional configuration derived from the filing available at this observation—never a composite score or recommendation.

STATE CAPABILITYLEVEL 3[email protected]

Inspectable configuration

State dimensions

Filing0001788882-26-000014Insurance

CashRAWCurrent state valid · history insufficient

Evidence method

Level · gp.fundamentals.cash

$669.3M · CORE · NOT_ENOUGH_HISTORY

DebtRAWCurrent state valid · history insufficient

Evidence method

Level · gp.fundamentals.gross_debt

$200.3M · OPTIONAL · NOT_ENOUGH_HISTORY

Net-income growthRAWCurrent state valid · history insufficient

Evidence method

Yoy · gp.fundamentals.net_income

30.42% · CORE · NOT_ENOUGH_HISTORY

Premium growthRAWCurrent state valid · history insufficient

Evidence method

Yoy · gp.insurance.premiums

30.89% · CORE · NOT_ENOUGH_HISTORY

Revenue growthRAWCurrent state valid · history insufficient

Evidence method

Yoy · gp.fundamentals.revenue

28.95% · CORE · NOT_ENOUGH_HISTORY

As-filed lineage

Fundamental state history

Each observation is tied to the filing and facts available at that report date. Amendments remain separate.

History5 statesHistory building

Jun 30, 20250/4 normalizedLevel 3 Sep 30, 20250/5 normalizedLevel 3 Dec 31, 20250/5 normalizedLevel 3 Mar 31, 20260/5 normalizedLevel 3 Jun 30, 20262/5 normalizedLevel 3

Period transition

What moved in the state?

Cash Increased

Previous: $653.3M
Current: $669.3M
Delta: $16.0M

Debt Decreased

Previous: $200.4M
Current: $200.3M
Delta: -$100,000

Earnings Growth Increased

Previous: -123.68%
Current: 30.42%
Delta: 154.10%

Premium Growth Increased

Previous: 28.93%
Current: 30.89%
Delta: 1.96%

Revenue Growth Increased

Previous: 26.86%
Current: 28.95%
Delta: 2.09%

Self-history only

Previous similar states

Similarity compares compatible valid dimensions from this issuer's own point-in-time history. No market-return claim is attached.

Not enough compatible prior states for a transparent self-history match.

Research Graph

Related governed research

Transitioned To · ROOT Fundamental State →Transitioned To · ROOT Fundamental State →Transitioned To · ROOT CASH_INCREASED →Transitioned To · ROOT DEBT_DECREASED →Transitioned To · ROOT EARNINGS_GROWTH_INCREASED →Transitioned To · ROOT PREMIUM_GROWTH_INCREASED →Transitioned To · ROOT REVENUE_GROWTH_INCREASED →

Method Percentiles and historical matches use only observations available at each point in time. Missing dimensions remain missing. Public price outcomes and cross-market analogues are deliberately absent.