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Root, Inc. SEC Filings

ROOT NASDAQ

Welcome to our dedicated page for Root SEC filings (Ticker: ROOT), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.

Insurance filings rarely make light reading—Root, Inc.’s blend of actuarial tables, reinsurance footnotes and telematics metrics can stretch a single report past two hundred pages. If you have ever scanned Root’s 10-K only to wonder where the loss-ratio discussion or mobile-app engagement data actually sits, you are not alone.

Stock Titan’s AI-powered analysis turns that sprawl into clarity. Instead of wading through the full PDF, open a concise layer that answers the questions investors really ask: “How did policy growth shift this quarter?� “Is the combined ratio improving?� “What executive stock incentives are in the proxy?� Our engine tags every Root quarterly earnings report 10-Q filing, Root annual report 10-K simplified summary and each Root 8-K material events explained alert—seconds after EDGAR posts them.

Need immediate insight into Root insider trading Form 4 transactions? We stream Root Form 4 insider transactions real-time so you can monitor executive stock transactions before they ripple through the market. Curious how management compensation aligns with telematics adoption goals? The Root proxy statement executive compensation section is annotated in plain language. Prefer direct Q&A style guidance? Try “understanding Root SEC documents with AI� and receive context on reserves, direct-to-consumer acquisition costs and technology spend.

The result: Root SEC filings explained simply, from high-level earnings report filing analysis to granular Root executive stock transactions Form 4 data. Save hours, compare trends quarter over quarter, and make decisions backed by every disclosure—not just the headlines.

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Root, Inc. (ROOT) � Form 4 insider filing, dated 07/02/2025

President & CTO Mahtiyar Bonakdarpour reported a Code “F� transaction on 07/01/2025, indicating the issuer withheld shares to cover taxes due upon vesting of restricted stock units (RSUs).

  • Shares withheld (disposed): 1,669 Class A common shares at a reference price of $125.28.
  • Direct ownership after transaction: 279,976 Class A shares.
  • Indirect ownership: 149,294 shares held through three Drive Capital Overdrive funds; voting power resides with the fundsâ€� general partner. Bonakdarpour disclaims beneficial ownership except for his spouse’s carried-interest percentage.

No derivative securities were reported. The filing reflects routine tax-withholding activity rather than an open-market sale, and the executive retains a sizeable equity position.

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Form 4 discloses that director Jerri Devard of Root, Inc. (ROOT) had one equity-related event on 30 Jun 2025. A stock option for 258 Class A shares with a $194.76 strike price expired unexercised, as confirmed in the footnote. Because the option was far above market price, it was “out of the money,� resulting in no share issuance and no cash inflow or outflow for the company.

Following the expiration, Devard’s direct beneficial ownership remains 18,532 Class A shares; her derivative position in these options is now zero. No open-market purchase or sale of common stock occurred, and there is no 10b5-1 plan designation.

The filing is routine, signalling that the insider’s high-strike option grant has lapsed. It does not alter ROOT’s share count, capital structure, or cash position, and therefore carries minimal immediate financial impact for shareholders.

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Form 4 Overview: The filing discloses insider activity for Root, Inc. (ticker: ROOT) by director Lawrence A. Hilsheimer on 06/30/2025.

  • Equity holdings: The reporting person continues to own 40,995 Class A common shares directly and 1,596 shares indirectly through an IRA. No purchases or sales of common stock were reported.
  • Derivative position: A stock option covering 258 Class A shares with a $194.76 exercise price expired on 06/30/2025 without being exercised, leaving the insider with zero remaining derivative securities related to this grant.
  • The Form 4 indicates the transaction code "J" (Rule 16b-3 transfer or other exempt action) and states the option was "out of the money" at expiry.
  • Ownership form remains direct for common shares and indirect (IRA) for a small portion, with no change in total share count.

No other transactions, purchases, sales, or new awards are disclosed. As such, the filing has limited impact on Root’s capital structure but updates investors on the director’s lapsed option and current share ownership.

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Root, Inc. (ROOT) filed a Form 4 disclosing that Chief Administrative Officer Jonathan Allison sold 2,500 shares of Class A common stock on 06/16/2025.

The shares were disposed of in an open-market transaction coded “Sâ€� at a price of $149.16 per share, pursuant to a Rule 10b5-1 trading plan (Footnote 1). After the sale, Allison directly owns 52,150 shares, indicating the transaction represented roughly 5% of his reported holdings.

No derivative security activity was reported, and there were no additional transactions disclosed. The filing reflects routine insider activity with limited immediate implications for the company’s fundamentals.

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Form 4 overview

On 06/16/2025, Root, Inc. (ROOT) Chief Accounting Officer Ryan Forish filed a Form 4 disclosing an automatic disposition of 499 Class A common shares. The transaction was coded “F,� indicating the shares were withheld by the issuer to satisfy tax obligations arising from the vesting of restricted stock units (RSUs). At the stated price of $145.41 per share, the withheld shares had an aggregate value of roughly $72,600.

Following the transaction, the executive’s direct ownership stands at 22,271 Class A shares. No purchases, sales on the open market, or derivative transactions were reported, and no changes to role or compensation were disclosed.

Because code “F� events are routine, non-discretionary, and represent only about 2.2 % of Forish’s holdings, investors typically view them as neutral housekeeping rather than a signal of insider sentiment. The filing nonetheless confirms that the executive continues to hold a meaningful equity stake, helping align management incentives with shareholder interests.

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FAQ

What is the current stock price of Root (ROOT)?

The current stock price of Root (ROOT) is $121.65 as of July 10, 2025.

What is the market cap of Root (ROOT)?

The market cap of Root (ROOT) is approximately 1.9B.

What is Root, Inc.'s primary business model?

Root, Inc. operates on a direct-to-consumer model, offering personalized auto and renters insurance through a mobile technology platform that utilizes actual driving data for pricing.

How does Root determine insurance premiums?

Rather than relying on traditional demographic factors, Root uses data science to analyze real-world driving behavior, which helps in accurately assessing risk and offering fairer, personalized insurance rates.

What makes Root different from traditional insurers?

Root differentiates itself by leveraging mobile technology and telematics to gather extensive driving data, ensuring that insurance rates align closely with an individual's actual driving performance.

What technologies does Root employ in its operations?

The company integrates mobile technology, data analytics, and advanced risk assessment algorithms to streamline the insurance process and deliver personalized solutions to consumers.

How does Root enhance the customer insurance experience?

Root’s user-friendly app simplifies the process from quoting to binding policies, providing transparency and efficiency through a digital platform tailored to individual driving behaviors.

Who are Root's key partners?

Root partners with industry leaders, technology platforms, and independent agents to integrate its insurance offerings and streamline distribution, enhancing the overall customer experience.

Does Root offer insurance beyond auto policies?

Yes, in addition to personal auto insurance, Root also offers renters insurance, expanding its product suite to address more personal lines of insurance with similar technology-driven benefits.

How does Root contribute to fair pricing in the insurance market?

By using detailed telematics and data science, Root rewards safe drivers with lower premiums and ensures that rates are more closely aligned with actual risk, promoting fairness in pricing.
Root, Inc.

NASDAQ:ROOT

ROOT Rankings

ROOT Stock Data

1.90B
11.24M
9.6%
67.12%
9.24%
Insurance - Property & Casualty
Fire, Marine & Casualty Insurance
United States
COLUMBUS