Looking at the filing, I can confirm this is a Form 10-Q for Root, Inc. (NASDAQ:ROOT) for the quarterly period ended September 30, 2026, filed November 4, 2026. The cover page confirms the ticker is ROOT on the Nasdaq Stock Market LLC. The filing content provided is primarily the cover page and the forward-looking statements section. I will extract all verifiable facts available and build the article accordingly.

Root, Inc. filed its Form 10-Q with the U.S. Securities and Exchange Commission on November 4, 2026, covering the quarterly period ended September 30, 2026.

Key Highlights

  • Filing period: Quarterly report covers the three months ended September 30, 2026, filed under Commission File Number 001-39658.
  • Share counts as of October 28, 2026: 13,386,013 shares of Class A common stock and 1,806,236 shares of Class B common stock outstanding, each with a par value of $0.0001 per share.
  • Exchange listing: Class A common stock trades on NASDAQ:ROOT.
  • Filer classification: Root, Inc. is classified as a large accelerated filer and is not a smaller reporting company or emerging growth company, according to the filing.
  • State of incorporation: Root, Inc. is incorporated in Delaware, with principal executive offices at 80 E. Rich Street, Suite 500, Columbus, Ohio 43215.
  • Forward-looking topics disclosed: The filing identifies share repurchase expectations, reinsurance utilization, embedded insurance partnerships, and the impact of the One Big Beautiful Bill Act among subjects covered by its forward-looking statements.

Root, Inc. Quarterly Filing: Coverage Period and Corporate Structure

Root, Inc., a Delaware-incorporated insurance technology company headquartered in Columbus, Ohio, submitted its Form 10-Q for the quarterly period ended September 30, 2026 to the SEC. The company's Class A common stock is registered on the Nasdaq Stock Market LLC under the trading symbol ROOT. As of October 28, 2026, the company reported 13,386,013 shares of Class A common stock and 1,806,236 shares of Class B common stock outstanding, both carrying a par value of $0.0001 per share.

According to the filing, Root, Inc. is classified as a large accelerated filer and confirmed it has filed all reports required under the Securities Exchange Act of 1934 during the preceding 12 months. The company also confirmed it is not a shell company. Root operates as an auto insurance carrier that, based on disclosures in the forward-looking statements section, utilizes telematics and behavioral data in its underwriting process and maintains partnerships with companies including Carvana Group, LLC, Hyundai Capital America, Toyota, Experian, and Jerry.

The forward-looking statements section of the filing identifies several areas of business focus and risk, including the company's ability to retain and acquire customers, manage reinsurance utilization, expand distribution through partnerships and digital channels, comply with applicable laws and regulations, and maintain its senior secured term loan. The filing also notes potential impacts from geopolitical instability, supply chain disruptions, inflation, and possible tariff changes on the company's business and financial condition. The filing states these forward-looking statements involve "substantial risks and uncertainties."

What Was Disclosed

Root, Inc. filed its quarterly Form 10-Q for the period ended September 30, 2026, disclosing share counts as of October 28, 2026, its large accelerated filer status, its Nasdaq listing under ROOT, and an extensive set of forward-looking statement topics spanning underwriting, partnerships, capital, and regulatory matters.