Root (ROOT) Total Premiums Earned: $1,444 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 $56.84
GF Value $87.72
Valuation Significantly Undervalued
! 3 Warning Signs
View Full Analysis

What is Root Total Premiums Earned?

Root ROOT -7.88% 73 Total Premiums Earned is $1,444 Mil as of Mar. 2026. GuruFocus rates ROOT with a GF Score™ of 73/100 and a GF Value™ of $87.72 (Significantly Undervalued). The stock has 3 warning signs investors should review.

Total premiums earned is the portion of the premium that insurance companies earned by providing insurances for the time period that has already passed. Root's total premiums earned for the three months ended in Mar. 2026 was $364 Mil. Its total premiums earned for the trailing twelve months (TTM) ended in Mar. 2026 was $1,444 Mil.

Root's quarterly total premiums earned increased from Sep. 2025 ($360 Mil) to Dec. 2025 ($367 Mil) but then declined from Dec. 2025 ($367 Mil) to Mar. 2026 ($364 Mil).

Root's annual total premiums earned increased from Dec. 2023 ($400 Mil) to Dec. 2024 ($1,071 Mil) and increased from Dec. 2024 ($1,071 Mil) to Dec. 2025 ($1,402 Mil).

Root Total Premiums Earned Historical Data

* Premium members only.

The historical data trend for Root's Total Premiums Earned 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 Total Premiums Earned Chart

Root Annual Data
Trend Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Total Premiums Earned
Get a 7-Day Free Trial 310.30 285.90 399.90 1,070.90 1,401.70

Root Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Total Premiums Earned 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 321.30 353.00 360.10 367.30 363.70
ROOT
73GF Score
Root Inc ROOT
Total Premiums Earned is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Root Total Premiums Earned Calculation

The portion of the premium that insurance companies earned by providing insurances for the time period that has already passed.

Total Premiums Earned for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $1,444 Mil.

* 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.

Frequently Asked Questions Learn more about Total Premiums Earned →
What does a Total Premiums Earned of $1,444 Mil mean?
Root (ROOT) has a Total Premiums Earned of $1,444 Mil as of Mar. 2026. Total premiums earned is the amount an insurance company earnings through providing insurance for the time elapsed. View historical data on Root and its competitors.
Is Root's Total Premiums Earned too high?
Root's current Total Premiums Earned is $1,444 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 Total Premiums Earned compare to HRTG and BOW?
Root's Total Premiums Earned of $1,444 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 Total Premiums Earned for an Insurance company?
A good Total Premiums Earned depends on the Insurance industry context. However, Total Premiums Earned 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 Total Premiums Earned mean?
A high Total Premiums Earned can signal that a stock is expensive relative to its fundamentals. Total premiums earned is the amount an insurance company earnings through providing insurance for the time elapsed. View historical data on Root and its competitors. Root's current Total Premiums Earned is $1,444 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 $87.72, compared to a current price of $56.84 — trading 35.2% below its estimated fair value. The current Total Premiums Earned is $1,444 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 Total Premiums Earned calculated?
Total Premiums Earned is calculated from a company's financial statements. For Root (ROOT), the current Total Premiums Earned is $1,444 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 $56.84 is trading 35.2% below its estimated GF Value™ of $87.72. GuruFocus considers Root to be Significantly Undervalued.

Key valuation signals for ROOT:

  • Total Premiums Earned: $1,444 Mil
  • GF Value™: $87.72 vs. price of $56.84 (35.2% 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

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

$56.84
Price
$87.72
GF Value