Root (ROOT) Unearned Premiums: $412 Mil (As of Mar. 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

ROOT Root Inc ROOT
73 GF Score
Price $54.05
GF Value $87.71
Valuation Significantly Undervalued
! 3 Warning Signs
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What is Root Unearned Premiums?

Root ROOT -6.78% 73 Unearned Premiums is $412 Mil as of Mar. 2026. GuruFocus rates ROOT with a GF Score™ of 73/100 and a GF Value™ of $87.71 (Significantly Undervalued). The stock has 3 warning signs investors should review.

Root's quarterly unearned premiums declined from Sep. 2025 ($409 Mil) to Dec. 2025 ($394 Mil) but then increased from Dec. 2025 ($394 Mil) to Mar. 2026 ($412 Mil).

Root's annual unearned premiums increased from Dec. 2023 ($284 Mil) to Dec. 2024 ($354 Mil) and increased from Dec. 2024 ($354 Mil) to Dec. 2025 ($394 Mil).

Root Unearned Premiums Historical Data

* Premium members only.

The historical data trend for Root's Unearned Premiums can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Root Unearned Premiums Chart

Root Annual Data
Trend Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Unearned Premiums
Get a 7-Day Free Trial 180.10 136.50 283.70 353.90 393.70

Root Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Unearned Premiums Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 420.30 395.20 409.30 393.70 412.40
ROOT
73GF Score
Root Inc ROOT
Unearned Premiums is just one metric. See GF Score™, valuation, warning signs, and more.
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Root Unearned Premiums Calculation

The portion of premium that has not been earned by insurance companies. Insurance companies have to pay them back to the insured if the policies are cancelled.

Frequently Asked Questions Learn more about Unearned Premiums →
What does a Unearned Premiums of $412 Mil mean?
Root (ROOT) has a Unearned Premiums of $412 Mil as of Mar. 2026. Unearned premiums are the premiums an insurance company have accrued in advance but not yet earned. View historical data for Root and its competitors.
Is Root's Unearned Premiums too high?
Root's current Unearned Premiums is $412 Mil. Overall, Root has a GF Score™ of 73/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Root's Unearned Premiums compare to HRTG and BOW?
Root's Unearned Premiums of $412 Mil can be compared against companies in the Insurance industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Unearned Premiums for an Insurance company?
A good Unearned Premiums depends on the Insurance industry context. However, Unearned Premiums should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Unearned Premiums mean?
A high Unearned Premiums can signal that a stock is expensive relative to its fundamentals. Unearned premiums are the premiums an insurance company have accrued in advance but not yet earned. View historical data for Root and its competitors. Root's current Unearned Premiums is $412 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Root stock overvalued right now?
Based on GuruFocus' analysis, Root (ROOT) is currently considered Significantly Undervalued. The stock's GF Value™ is $87.71, compared to a current price of $54.05 — trading 38.4% below its estimated fair value. The current Unearned Premiums is $412 Mil. Root's overall GF Score™ is 73/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Unearned Premiums calculated?
Unearned Premiums is calculated from a company's financial statements. For Root (ROOT), the current Unearned Premiums is $412 Mil as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Root (ROOT) Overvalued in 2026?

Based on GuruFocus' analysis, Root stock appears to be undervalued. The current stock price of $54.05 is trading 38.4% below its estimated GF Value™ of $87.71. GuruFocus considers Root to be Significantly Undervalued.

Key valuation signals for ROOT:

  • Unearned Premiums: $412 Mil
  • GF Value™: $87.71 vs. price of $54.05 (38.4% below fair value)
  • GF Score™: 73/100 with 3 warning signs

No single metric tells the full story. See the ROOT stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Root Business Description

Address 80 East Rich Street, Suite 500, Columbus, OH, USA, 43215
Root Inc develops and launches a direct-to-consumer personal automobile insurance and mobile technology company. It generates revenue from the sales of auto insurance policies within the United States.
73GF Score

Get the complete analysis for ROOT

Unearned Premiums is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$54.05
Price
$87.71
GF Value