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Percentage of questions scored as challenging — where the analyst pushed back, pressed for specifics, or questioned management's assumptions.
| Analyst | Firm | Questions · challengingPercentage of questions scored as challenging — where the analyst pushed back, pressed for specifics, or questioned management's assumptions. |
|---|---|---|
| Thomas McJoynt-Griffith | KBW | 17 questions · 0% challenging |
| Elyse Greenspan | Wells Fargo | 12 questions · 0% challenging |
| Charlie Rodgers | Jefferies | 10 questions · 0% challenging |
| Andrew Kligerman | TD Cowen | 9 questions · 22% challenging |
| Hristian Getsov | Wells Fargo | 8 questions · 0% challenging |
| Andrew Andersen | Jefferies | 6 questions · 0% challenging |
| Firm | Analysts | Questions · challengingPercentage of questions scored as challenging — where the analyst pushed back, pressed for specifics, or questioned management's assumptions. |
|---|---|---|
| Wells Fargo | 2 analysts | 20 questions · 0% challenging |
| KBW | 1 analyst | 17 questions · 0% challenging |
| Jefferies | 2 analysts | 16 questions · 0% challenging |
| TD Cowen | 1 analyst | 9 questions · 22% challenging |
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Root delivered its most profitable quarter ever with $36 million in net income and an annualized ROE of 47%, reversing the prior quarter's expectation of lower 2026 net income. Partnership and independent agent new writings grew over 30% year-over-year, with the company now partnering with 15,000+ agents across 5,000 agencies and launching Freeway Insurance. A $200 million debt refinancing with Huntington lowered annual interest expense by roughly $5 million, and the board authorized a $75 million share repurchase program, though direct channel marketing was scaled back in March as the competitive environment intensified.
Calendar quarter Q1 2026Earnings call May 7, 2026
FY2026 Q1 in brief
Root delivered its most profitable quarter ever with $36 million in net income and an annualized ROE of 47%, reversing the prior quarter's expectation of lower 2026 net income.
Newest quarter FY2026 Q2 is part of Pro · see what Pro adds →
Sources. Tellvest earnings-call sentiment score for Root, Inc. (ROOT), FY2026 Q1: 8/10. Scores: Root, Inc.’s public earnings-call transcripts and SEC-reported results — the base band is anchored to reported GAAP revenue growth; transcript, EPS and guidance adjustments are applied separately (documented exceptions apply to a few issuers). Price: ROOT daily closing prices for the trailing year; dots mark earnings calls, colored by that quarter’s score; the newest quarter’s score is part of Tellvest Pro. How to read a company earnings-call score.
Competitive Dynamics | Pricing | Margin | Subscriber Growth | Macroeconomic | Capex Investment | Trade Tariffs | Innovation & R&D | |
|---|---|---|---|---|---|---|---|---|
| 2024Q4 | 5 | 2 | 4 | 1 | 1 | 1 | 1 | |
| 2025Q1 | 2 | 2 | 1 | 2 | 2 | 1 | 1 | |
| 2025Q2 | 6 | 3 | 4 | 2 | 2 | 2 | 1 | |
| 2025Q3 | 3 | 2 | 1 | 3 | 2 | 1 | ||
| 2025Q4 | 3 | 4 | 1 | 3 | 1 | 1 | 3 | |
| 2026Q1 | 4 | 3 | 3 | 2 | 1 | 2 |
| '24Q4 | '25Q1 | '25Q2 | '25Q3 | '25Q4 | '26Q1 | |
|---|---|---|---|---|---|---|
| Competitive Dynamics | 5 | 2 | 6 | 3 | 3 | 4 |
| Pricing | 2 | 2 | 3 | 2 | 4 | 3 |
| Margin | 4 | 1 | 4 | 1 | 1 | 3 |
| Subscriber Growth | 1 | 2 | 2 | 3 | 3 | 2 |
| Macroeconomic | 1 | 2 | 2 | 1 | 1 | |
| Capex Investment | 1 | 1 | 2 | 1 | 2 | |
| Trade Tariffs | 1 | 1 | 2 | 1 | ||
| Innovation & R&D | 1 | 3 |
GAAP revenue YoY +12.6% → base 7. The base score is anchored to the GAAP revenue YoY band before transcript, EPS, and guidance adjustments.
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| Quarter | Revenue | Rev YoY | EPS | EPS YoY | Op margin | Net margin |
|---|---|---|---|---|---|---|
| FY2024 Q4 | $327M | +67.7% | $1.30 | +179.3% | 10.7% | 6.8% |
| FY2025 Q1 | $349M | +37.1% | $1.07 | +354.8% | 6.8% | 5.3% |
| FY2025 Q2 | $383M | +32.4% | $1.29 | +348.1% | 7.1% | 5.7% |
| FY2025 Q3 | $388M | +26.9% | $-0.35 | -125.9% | 0.1% | -1.4% |
| FY2025 Q4 | $397M | +21.5% | $0.31 | -76.2% | 2.6% | 1.3% |
| FY2026 Q1Selected | $394M | +12.6% | $2.09 | +95.3% | 10.4% | 9.1% |
| FY2026 Q2 | $389M | +1.6% | $1.49 | +15.5% | 8.9% | 6.5% |
Management’s own words, often on a non-GAAP, constant-currency, or adjusted basis — so these can differ from the GAAP figures above (e.g. constant-currency revenue growth excludes currency swings).
What ROOT said about other companies on its FY2026 Q1 call, and what other companies said about ROOT on their calls covering the same calendar quarter (Q1 2026). Each company's own fiscal quarter is shown next to its name. Extracted verbatim from public transcripts. Mentions from the newest quarter are a Pro feature.
“I'm pleased to announce that we refinanced our $200 million debt facility with the Huntington National Bank on May 4, lowering our annual run rate interest expense by roughly $5 million.”
Root refinanced its $200 million debt facility with long-standing banking partner Huntington National Bank, cutting annual interest expense by about $5 million.
“In the first quarter, we launched our partnership with Freeway Insurance, the largest personal lines insurance distributor in the country.”
Root launched a distribution partnership with Freeway Insurance, described as the largest personal lines insurance distributor in the country.
“We also continue to scale our embedded insurance offering with Carvana now surpassing 200,000 policies sold.”
Root's embedded insurance partnership with Carvana surpassed 200,000 policies sold, a growing point-of-sale distribution channel.
| Company | Score | Trend | Rev YoY | Headline |
|---|---|---|---|---|
| ROOTRoot, Inc. | 8 | +12.6% | Root delivered its most profitable quarter ever with $36 million in net income and an annualized ROE of 47%, reversing the prior quarter's expectation of lower 2026 net income | |
| AIZAssurant | 8 | +11.3% | Assurant delivered its strongest first quarter on record, with total revenue up 11% and adjusted EBITDA up 6% and adjusted EPS up 9%, both excluding reportable catastrophes | |
| ALLAllstate | 7 | +4.2% | Allstate delivered Q1 revenue of $16.9 billion up 3% with adjusted EPS of $10.65 as the underlying combined ratio improved 2.8 points to 80.3% and the recorded combined ratio reached 82% with underwriting income of $2.7 billion | |
| CBChubb Limited | 7 | +9.5% | Excellent P&C underwriting at 84% combined ratio | |
| CINFCincinnati Financial | 7 | +11.6% | Non-GAAP operating income surges to $330M from Q1 loss | |
| KMPRKemper Corporation | 2 | -6.8% | California Personal Auto Remains Primary Headwind | |
| LLoews Corporation | 5 | +2.6% | CNA reserve charge and higher underlying loss ratio drive earnings decline | |
| LMNDLemonade, Inc. | 9 | +55.0% | Lemonade extended its growth acceleration streak to 10 consecutive quarters with IFP reaching $1.33 billion (+32% YoY), while the QS reinsurance transition propelled revenue up 71% to $258 million and gross profit up 159% to $100 million | |
| MCYMercury General Corporation | 8 | +10.5% | Mercury General's Q1 2026 demonstrated the underlying strength of the franchise with a combined ratio of 89.3% and net income of $190 million ($3.44 per share), a dramatic reversal from the prior-year Q1 net loss of $108 million during the wildfire catastrophe | |
| PGRProgressive Corporation | 7 | +8.7% | Progressive delivered 8.7% revenue growth with extraordinary profitability, maintaining personal auto combined ratios below 90 in nine of the last ten quarters | |
| TRVThe Travelers Companies, Inc. | 5 | +1.0% | Travelers delivered record underwriting income with a core ROE of 19.7%, generating $1.7 billion in core income as the combined ratio remained excellent at 88.6% despite elevated catastrophe activity | |
| WRBW. R. Berkley Corporation | 6 | +4.0% | Record Net Investment Income Drives Earnings Growth |
Root delivered its most profitable quarter ever with $36 million in net income and an annualized ROE of 47%, reversing the prior quarter's expectation of lower 2026 net income
Assurant delivered its strongest first quarter on record, with total revenue up 11% and adjusted EBITDA up 6% and adjusted EPS up 9%, both excluding reportable catastrophes
Allstate delivered Q1 revenue of $16.9 billion up 3% with adjusted EPS of $10.65 as the underlying combined ratio improved 2.8 points to 80.3% and the recorded combined ratio reached 82% with underwriting income of $2.7 billion
| Company | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 |
|---|---|---|---|---|---|---|
| ROOT | 9 | 9 | 9 | 7 | 7 | 8 |
| AIZ | 8 | 7 | 7 | 8 | 7 | 8 |
| ALL | 8 | 6 | 7 | 7 | 6 | 7 |
| CB | 6 | 5 | 7 | 8 | 7 | 7 |
| CINF | 9 | 6 | 8 | 8 | 6 | 7 |
| KMPR | 6 | 7 | 5 | 5 | 3 | 2 |
| L | 7 | 5 | 6 | 7 | 7 | 5 |
| LMND | 9 | 8 | 9 | 9 | 9 | 9 |
| MCY | 6 | 6 | 8 | 7 | 7 | 8 |
| PGR | 8 | 8 | 9 | 7 | 7 | 7 |
| TRV | 8 | 7 | 8 | 8 | 7 | 5 |
| WRB | 9 | 6 | 6 | 7 | 4 | 6 |
Excellent P&C underwriting at 84% combined ratio
Non-GAAP operating income surges to $330M from Q1 loss
CNA reserve charge and higher underlying loss ratio drive earnings decline
Lemonade extended its growth acceleration streak to 10 consecutive quarters with IFP reaching $1.33 billion (+32% YoY), while the QS reinsurance transition propelled revenue up 71% to $258 million and gross profit up 159% to $100 million
Mercury General's Q1 2026 demonstrated the underlying strength of the franchise with a combined ratio of 89.3% and net income of $190 million ($3.44 per share), a dramatic reversal from the prior-year Q1 net loss of $108 million during the wildfire catastrophe
Progressive delivered 8.7% revenue growth with extraordinary profitability, maintaining personal auto combined ratios below 90 in nine of the last ten quarters
Travelers delivered record underwriting income with a core ROE of 19.7%, generating $1.7 billion in core income as the combined ratio remained excellent at 88.6% despite elevated catastrophe activity
Record Net Investment Income Drives Earnings Growth