Company / Total Debt
Root, Inc. Total Debt History
FY2019-FY2025 · Annual data · Source: SEC filings
At a glance
Latest annual filing availableLatest Total Debt
$200.3M
FY2025
5-year range
$0 / $299.0M
FY2021-FY2025
Trend
+0.1%
vs FY2024
Sector context
#159 of 198
Financials
What the data says
Root, Inc.'s total debt of $200M is lower than 80% of companies in the Financials sector (FY2025). Total Debt has fluctuated over the past 7 years, ranging from $0 in FY2021 to $299M in FY2023.
Based on SEC 10-K filings.
$200M in FY2025 with a 5-year CAGR of +1.3%.
Improved from $299M to $200M over the past 2 years.
Financials sector context is included.
Total Debt over time
Growth rates
- 3-Year CAGR
- -12.1%
- 5-Year CAGR
- +1.3%
- 10-Year CAGR
- -
Sector benchmark
Top 20% in FinancialsTop 20% of 198This company $200.3M Sector average $11.0B
▼
-98.2% below sector average
Key checks
Key Insights
- 5-year CAGR of +1.3%, indicating consistent growth.
- In FY2025, total debt increased 0.1% year-over-year.
- Ranks #159 out of 198 companies in the Financials sector.
- Peak total debt was recorded in FY2023.
Company context
Key Data Points
- Altman Z-Score 0.27 (distress zone, below 1.8 threshold)
- High earnings quality (cash-backed earnings)
- Strong return on equity: 21.6%
Data sourced from SEC EDGAR filings. Not investment advice.
Annual data
| Year | Total DebtValue | YoY GrowthYoY |
|---|---|---|
| FY2025 | $200.3M | +0.1% |
| FY2024 | $200.1M | -33.1% |
| FY2023 | $299.0M | +1.2% |
| FY2022 | $295.4M | - |
| FY2021 | $0 | -100.0% |
| FY2020 | $188.2M | -2.1% |
| FY2019 | $192.2M | - |
| FY2018 | - | - |
As of FY2025 · SEC 10-K · Updated Jun 30, 2026