GROSSPATTERN / FUNDAMENTAL STATE / POINT IN TIME

ROOT · Jun 30, 2026

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

Filing0001788882-26-000061Insurance

Cash0thOwn-history percentile · N=8

Evidence method

Level · gp.fundamentals.cash

$509.6M · CORE · VALID

Debt0thOwn-history percentile · N=8

Evidence method

Level · gp.fundamentals.gross_debt

$197.8M · OPTIONAL · VALID

Net-income growthRAWCurrent state valid · history insufficient

Evidence method

Yoy · gp.fundamentals.net_income

15.45% · CORE · NOT_ENOUGH_HISTORY

Premium growthRAWCurrent state valid · history insufficient

Evidence method

Yoy · gp.insurance.premiums

2.97% · CORE · NOT_ENOUGH_HISTORY

Revenue growthRAWCurrent state valid · history insufficient

Evidence method

Yoy · gp.fundamentals.revenue

1.65% · 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 Decreased

Previous: $597.2M
Current: $509.6M
Delta: -$87.6M

Debt Decreased

Previous: $200.3M
Current: $197.8M
Delta: -$2.5M

Earnings Growth Decreased

Previous: 95.11%
Current: 15.45%
Delta: -79.65%

Premium Growth Decreased

Previous: 13.20%
Current: 2.97%
Delta: -10.22%

Revenue Growth Decreased

Previous: 12.62%
Current: 1.65%
Delta: -10.98%

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

Compared To · Fire, Marine & Casualty Insurance peers →Has State · Root, Inc. →Transitioned To · ROOT Fundamental State →Transitioned To · ROOT CASH_DECREASED →Transitioned To · ROOT DEBT_DECREASED →Transitioned To · ROOT EARNINGS_GROWTH_DECREASED →Transitioned To · ROOT PREMIUM_GROWTH_DECREASED →Transitioned To · ROOT REVENUE_GROWTH_DECREASED →

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.