UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K (Mark One) ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2022 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d)OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from_____to_____ Commission file number 001-39658 ROOT, INC. (Exact name of Registrant as specified in its charter) Delaware 84-2717903 (State or other jurisdiction of i ...

Root, Inc. (NASDAQ:ROOT) Q3 2022 Results Conference Call November 10, 2022 8:00 AM ET Company Participants Jodi Baker - Vice President and Corporate Secretary Alex Timm - Chief Executive Officer Rob Bateman - Chief Financial Officer Dan Rosenthal - Chief Operating Officer Matt Bonakdarpour - Chief Technology Officer Frank Palmer - Chief Insurance Officer Conference Call Participants Michael Phillips - Morgan Stanley Elyse Greenspan - Wells Fargo Yaron Kinar - Jefferies Matt Carletti - JMP Tracy Benguigui - ...

Root, Inc. (NASDAQ:ROOT) Q2 2022 Earnings Conference Call August 9, 2022 9:00 AM ET Company Participants Christine Patrick – Treasurer and Vice President-Investor Relations Alex Timm – Co-Founder and Chief Executive Officer Rob Bateman – Chief Financial Officer Frank Palmer – Chief Insurance Officer Dan Rosenthal – Chief Revenue and Operations Officer Matt Bonakdarpour – Chief Technology Officer Conference Call Participants Elyse Greenspan – Wells Fargo Michael Phillips – Morgan Stanley Matt Carletti – JMP ...

Q2 2022 Shareholder Letter Letter to Shareholders: Q2 2022 ____________________________________________________________________________________________________________ Key quarterly metrics: $142.3 $177.1 Gross written premium ($M) Gross earned premium ($M) $151.9 $180.7 $170.8 $140.1 2Q 2020 2Q 2021 2Q 2022 2Q 2020 2Q 2021 2Q 2022 Gross accident period loss ratio Gross LAE ratio 65.2% 89.9% 85.2% 8.5% 10.6% 9.9% 2Q 2020 2Q 2021 2Q 2022 2Q 2020 2Q 2021 2Q 2022 $8.8 $22.0 Gross profit ($M) Direct contributio ...

Q1 2022 Shareholder Letter Letter to Shareholders: Q1 2022 1Q 2020 1Q 2021 1Q 2022 1Q 2020 1Q 2021 1Q 2022 1Q 2021 1Q 2020 1Q 2021 1Q 2022 1Q 2020 1Q 2022 Key quarterly metrics: Gross written premium ($M) | --- | --- | --- | --- | --- | --- | |--------|--------|--------|--------|--------|--------| | | | | $143.9 | $160.2 | $174.7 | | $164.2 | $202.5 | $187.2 | | | | Gross earned premium ($M) Gross accident period loss ratio Gross LAE ratio | --- | --- | --- | --- | --- | --- | |-------|-------|-------|----- ...

Root, Inc. (NASDAQ:ROOT) Q1 2022 Earnings Conference Call April 28, 2022 8:00 AM ET Company Participants Christine Patrick - VP, IR Alexander Timm - Co-Founder, CEO & Director Daniel Rosenthal - Chief Revenue & Operating Officer & Director Matt Bonakdarpour - CTO Frank Palmer - Chief Insurance Officer Conference Call Participants Joshua Siegler - Cantor Fitzgerald & Co. Ismael Dabo - Morgan Stanley Tracy Benguigui - Barclays Bank Matthew Carletti - JMP Securities Weston Bloomer - UBS Mark Hughes - Truist Se ...

Root, Inc. (NASDAQ:ROOT) Q4 2021 Earnings Conference Call February 24, 2022 8:00 AM ET Company Participants Christine Patrick - Vice President of Investor Relations Alex Timm - Co-Founder and Chief Executive Officer Dan Rosenthal - Chief Operating Officer, Chief Revenue Officer, and Chief Financial Officer Frank Palmer - Chief Insurance Officer Matt Bonakdarpour - Chief Technology Officer Conference Call Participants Elyse Greenspan - Wells Fargo Josh Siegler - Cantor Fitzgerald Matt Carletti - JMP Mark Hug ...

Root, Inc. (NASDAQ:ROOT) Q3 2021 Earnings Conference Call November 11, 2021 8:00 AM ET Company Participants Christine Patrick – Vice President of Investor Relations Dan Rosenthal – Chief Operating Officer, Chief Revenue Officer, and Chief Financial Officer Frank Palmer – Chief Insurance Officer Matt Bonakdarpour – Chief Data Science and Analytics Officer Alex Timm – Co-Founder and Chief Executive Officer Conference Call Participants Michael Phillips – Morgan Stanley Matt Carletti – JMP Securities Josh Siegl ...

Root (NASDAQ:ROOT) Q2 2021 Earnings Conference Call August 12, 2021 8:00 AM ET Company Participants Christine Patrick - Vice President of Investor Relations Alex Timm - Co-Founder & Chief Executive Officer Dan Rosenthal - Chief Financial Officer Frank Palmer - Chief Insurance Officer Matt Bonakdarpour - Chief Data Science & Analytics Officer Conference Call Participants Matt Carletti - JMP Securities Elyse Greenspan - Wells Fargo Securities Nick Jones - Citi Mark Hughes - Truist Securities Josh Shanker - Ba ...

Root, Inc. (NASDAQ:ROOT) Q1 2021 Earnings Conference Call May 6, 2021 8:00 AM ET Company Participants Joe Laroche - Director of IR Alex Timm - Co-Founder and CEO Dan Rosenthal - CFO Conference Call Participants Michael Phillips - Morgan Stanley Ross Sandler - Barclays Yaron Kinar - Goldman Sachs - Phil Stefano - Deutsche Bank David Motemaden - Evercore ISI Matt Carletti - JMP Securities Elyse Greenspan - Wells Fargo Securities Josh Shanker - Bank of America Merrill Lynch Brian Meredith - UBS Josh Siegler - ...