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[SCHEDULE 13G/A] Root, Inc. SEC Filing

Filing Impact
(Low)
Filing Sentiment
(Neutral)
Form Type
SCHEDULE 13G/A
Rhea-AI Filing Summary

Ribbit Capital and related entities disclosed beneficial ownership in Root, Inc.'s Class A common stock. Ribbit Capital IV, L.P. directly holds 503,800 Class A shares and 492,983 Class B shares, totaling 996,783 shares, reported as 7.1% on an equivalent Class A basis when conversion is assumed. RT-E Ribbit Opportunity IV, LLC holds 235,824 Class B shares, reported as 1.7%. Combined through Ribbit GP entities and Meyer Malka, the Reporting Persons are shown with aggregate beneficial ownership of 1,232,607 shares, or 8.7% of the Class A equivalent, based on 13.6 million Class A shares reported outstanding. The filing states each Class B share is convertible at the holder's option into one Class A share and that GP/UGP entities and Meyer Malka may be deemed to have sole voting and dispositive power over these shares. Bullfrog entities reported 0 shares.

Ribbit Capital e le entità correlate hanno dichiarato la titolarità effettiva di azioni di Classe A di Root, Inc. Ribbit Capital IV, L.P. detiene direttamente 503.800 azioni di Classe A e 492.983 azioni di Classe B, per un totale di 996.783 azioni, segnalate come 7,1% su base equivalente in Classe A assumendo la conversione. RT-E Ribbit Opportunity IV, LLC detiene 235.824 azioni di Classe B, segnalate come 1,7%. Sommate tramite le entità Ribbit GP e Meyer Malka, le persone che hanno presentato la comunicazione risultano con una titolarità aggregata di 1.232.607 azioni, ovvero il 8,7% dell'equivalente in Classe A, sulla base di 13,6 milioni di azioni di Classe A segnalate in circolazione. Il deposito indica che ogni azione di Classe B è convertibile, a scelta del titolare, in un'azione di Classe A e che le entità GP/UGP e Meyer Malka possono essere ritenute ad avere il potere esclusivo di voto e di disposizione su tali azioni. Le entità Bullfrog hanno dichiarato 0 azioni.

Ribbit Capital y entidades relacionadas declararon la propiedad beneficiaria de acciones Clase A de Root, Inc. Ribbit Capital IV, L.P. posee directamente 503.800 acciones Clase A y 492.983 acciones Clase B, sumando 996.783 acciones, reportadas como 7,1% sobre una base equivalente en Clase A asumiendo la conversión. RT-E Ribbit Opportunity IV, LLC posee 235.824 acciones Clase B, reportadas como 1,7%. Combinadas a través de las entidades Ribbit GP y Meyer Malka, las personas informantes muestran una propiedad beneficiaria agregada de 1.232.607 acciones, o el 8,7% del equivalente en Clase A, basándose en 13,6 millones de acciones Clase A reportadas en circulación. El informe indica que cada acción Clase B es convertible a opción del titular en una acción Clase A y que las entidades GP/UGP y Meyer Malka pueden considerarse con poder exclusivo de voto y disposición sobre dichas acciones. Las entidades Bullfrog reportaron 0 acciones.

Ribbit Capital � 관� 법인들이 Root, Inc.� Class A 보통주에 대� 실질� 소유� 공시했습니다. Ribbit Capital IV, L.P.� 직접적으� 503,800� Class A와 492,983� Class B� 보유하여 � 996,783주를 보유하고 있으�, 전환� 가정할 � Class A 환산 기준으로 7.1%� 보고되었습니�. RT-E Ribbit Opportunity IV, LLC� 235,824� Class B� 보유하며 1.7%� 보고되었습니�. Ribbit GP 계열 � Meyer Malka� 통해 합산하면 보고인들은 � 1,232,607�, � Class A 환산 기준 8.7%� 지분을 보유� 것으� 나타났으�, 이는 보고� 유통 Class A 주식� 1,360�주를 기준으로 � 수치입니�. 공시문은 � Class B 주식� 보유� 선택� 따라 1� Class A� 전환 가능하� GP/UGP 법인들과 Meyer Malka가 해당 주식� 대� 단독 의결� � 처분권을 가지� 것으� 간주� � 있다� 명시하고 있습니다. Bullfrog 계열은 0주를 보고했습니다.

Ribbit Capital et des entités associées ont divulgué la propriété bénéficiaire d'actions de classe A de Root, Inc. Ribbit Capital IV, L.P. détient directement 503 800 actions de classe A et 492 983 actions de classe B, soit un total de 996 783 actions, rapportées comme représentant 7,1% sur une base équivalente en classe A en supposant la conversion. RT‑E Ribbit Opportunity IV, LLC détient 235 824 actions de classe B, rapportées comme 1,7%. Combinées via les entités Ribbit GP et Meyer Malka, les personnes déclarante sont indiquées avec une détention bénéficiaire agrégée de 1 232 607 actions, soit 8,7% de l'équivalent en classe A, sur la base de 13,6 millions d'actions de classe A déclarées en circulation. Le dépôt précise que chaque action de classe B est convertible, à l'option du détenteur, en une action de classe A et que les entités GP/UGP et Meyer Malka peuvent être réputées exercer le pouvoir exclusif de vote et de disposition sur ces actions. Les entités Bullfrog ont déclaré 0 action.

Ribbit Capital und verbundene Einheiten gaben eine wirtschaftliche Beteiligung an Root, Inc.-Aktien der Klasse A an. Ribbit Capital IV, L.P. hält direkt 503.800 Class‑A‑Aktien und 492.983 Class‑B‑Aktien, insgesamt 996.783 Aktien, die bei angenommener Umwandlung als 7,1% auf Class‑A‑Basis angegeben werden. RT‑E Ribbit Opportunity IV, LLC hält 235.824 Class‑B‑Aktien, angegeben mit 1,7%. Zusammengenommen über Ribbit GP‑Einheiten und Meyer Malka werden die meldenden Personen mit einer aggregierten wirtschaftlichen Beteiligung von 1.232.607 Aktien bzw. 8,7% des Class‑A‑Äquivalents ausgewiesen, basierend auf 13,6 Millionen gemeldeten ausstehenden Class‑A‑Aktien. Die Einreichung besagt, dass jede Class‑B‑Aktie nach Wahl des Inhabers in eine Class‑A‑Aktie umwandelbar ist und dass GP/UGP‑Einheiten sowie Meyer Malka als alleinige stimmberechtigte und verfügungsbefugte Stellen über diese Aktien angesehen werden können. Bullfrog‑Einheiten meldeten 0 Aktien.

Positive
  • Transparent numeric disclosure of holdings by each reporting person, including Class A and Class B breakdowns
  • Clear statement that Class B shares are convertible at the holder's option, enabling consistent percentage calculations
  • Bullfrog entities reported zero holdings, removing ambiguity about that group's position
Negative
  • Concentration of potential voting/dispositive power with GP/UGP entities and Meyer Malka: 1,232,607 shares (reported as 8.7%) may be deemed to be under their control
  • Percentages are calculated assuming conversion of Class B into Class A, which increases the Class A-equivalent count used to report ownership percentages

Insights

TL;DR: Ribbit entities disclose an 8.7% aggregate economic stake in ROOT, signalling a material, disclosed position with potential voting influence.

The Schedule 13G/A reports material holdings by multiple Ribbit-affiliated entities and an individual, with clear numeric detail: 1,232,607 shares aggregated (reported as 8.7% on a converted Class A basis). The filing explicitly ties percentages to 13.6 million Class A shares outstanding as reported by the issuer and states that Class B shares are convertible at the holder's option. For investors and market participants, the document provides transparent ownership metrics and the legal basis for attributing voting and dispositive power to GP/UGP entities and Meyer Malka.

TL;DR: The disclosure highlights concentrated voting/dispositive power with Ribbit GP entities and Meyer Malka, a material governance detail for shareholders.

The filing states that GP IV, UGP IV and Meyer Malka "may be deemed to have sole power to vote and dispose" of the disclosed shares, which is a concrete governance fact. The numeric breakdown�503,800 Class A, 728,807 Class B across entities when combined, and aggregate 1,232,607 shares—clarifies who could exercise influence. Bullfrog entities reported no holdings, removing ambiguity about that group's position. These disclosures are directly relevant to board and shareholder dynamics because they document who may lawfully exercise voting control over a meaningful minority stake.

Ribbit Capital e le entità correlate hanno dichiarato la titolarità effettiva di azioni di Classe A di Root, Inc. Ribbit Capital IV, L.P. detiene direttamente 503.800 azioni di Classe A e 492.983 azioni di Classe B, per un totale di 996.783 azioni, segnalate come 7,1% su base equivalente in Classe A assumendo la conversione. RT-E Ribbit Opportunity IV, LLC detiene 235.824 azioni di Classe B, segnalate come 1,7%. Sommate tramite le entità Ribbit GP e Meyer Malka, le persone che hanno presentato la comunicazione risultano con una titolarità aggregata di 1.232.607 azioni, ovvero il 8,7% dell'equivalente in Classe A, sulla base di 13,6 milioni di azioni di Classe A segnalate in circolazione. Il deposito indica che ogni azione di Classe B è convertibile, a scelta del titolare, in un'azione di Classe A e che le entità GP/UGP e Meyer Malka possono essere ritenute ad avere il potere esclusivo di voto e di disposizione su tali azioni. Le entità Bullfrog hanno dichiarato 0 azioni.

Ribbit Capital y entidades relacionadas declararon la propiedad beneficiaria de acciones Clase A de Root, Inc. Ribbit Capital IV, L.P. posee directamente 503.800 acciones Clase A y 492.983 acciones Clase B, sumando 996.783 acciones, reportadas como 7,1% sobre una base equivalente en Clase A asumiendo la conversión. RT-E Ribbit Opportunity IV, LLC posee 235.824 acciones Clase B, reportadas como 1,7%. Combinadas a través de las entidades Ribbit GP y Meyer Malka, las personas informantes muestran una propiedad beneficiaria agregada de 1.232.607 acciones, o el 8,7% del equivalente en Clase A, basándose en 13,6 millones de acciones Clase A reportadas en circulación. El informe indica que cada acción Clase B es convertible a opción del titular en una acción Clase A y que las entidades GP/UGP y Meyer Malka pueden considerarse con poder exclusivo de voto y disposición sobre dichas acciones. Las entidades Bullfrog reportaron 0 acciones.

Ribbit Capital � 관� 법인들이 Root, Inc.� Class A 보통주에 대� 실질� 소유� 공시했습니다. Ribbit Capital IV, L.P.� 직접적으� 503,800� Class A와 492,983� Class B� 보유하여 � 996,783주를 보유하고 있으�, 전환� 가정할 � Class A 환산 기준으로 7.1%� 보고되었습니�. RT-E Ribbit Opportunity IV, LLC� 235,824� Class B� 보유하며 1.7%� 보고되었습니�. Ribbit GP 계열 � Meyer Malka� 통해 합산하면 보고인들은 � 1,232,607�, � Class A 환산 기준 8.7%� 지분을 보유� 것으� 나타났으�, 이는 보고� 유통 Class A 주식� 1,360�주를 기준으로 � 수치입니�. 공시문은 � Class B 주식� 보유� 선택� 따라 1� Class A� 전환 가능하� GP/UGP 법인들과 Meyer Malka가 해당 주식� 대� 단독 의결� � 처분권을 가지� 것으� 간주� � 있다� 명시하고 있습니다. Bullfrog 계열은 0주를 보고했습니다.

Ribbit Capital et des entités associées ont divulgué la propriété bénéficiaire d'actions de classe A de Root, Inc. Ribbit Capital IV, L.P. détient directement 503 800 actions de classe A et 492 983 actions de classe B, soit un total de 996 783 actions, rapportées comme représentant 7,1% sur une base équivalente en classe A en supposant la conversion. RT‑E Ribbit Opportunity IV, LLC détient 235 824 actions de classe B, rapportées comme 1,7%. Combinées via les entités Ribbit GP et Meyer Malka, les personnes déclarante sont indiquées avec une détention bénéficiaire agrégée de 1 232 607 actions, soit 8,7% de l'équivalent en classe A, sur la base de 13,6 millions d'actions de classe A déclarées en circulation. Le dépôt précise que chaque action de classe B est convertible, à l'option du détenteur, en une action de classe A et que les entités GP/UGP et Meyer Malka peuvent être réputées exercer le pouvoir exclusif de vote et de disposition sur ces actions. Les entités Bullfrog ont déclaré 0 action.

Ribbit Capital und verbundene Einheiten gaben eine wirtschaftliche Beteiligung an Root, Inc.-Aktien der Klasse A an. Ribbit Capital IV, L.P. hält direkt 503.800 Class‑A‑Aktien und 492.983 Class‑B‑Aktien, insgesamt 996.783 Aktien, die bei angenommener Umwandlung als 7,1% auf Class‑A‑Basis angegeben werden. RT‑E Ribbit Opportunity IV, LLC hält 235.824 Class‑B‑Aktien, angegeben mit 1,7%. Zusammengenommen über Ribbit GP‑Einheiten und Meyer Malka werden die meldenden Personen mit einer aggregierten wirtschaftlichen Beteiligung von 1.232.607 Aktien bzw. 8,7% des Class‑A‑Äquivalents ausgewiesen, basierend auf 13,6 Millionen gemeldeten ausstehenden Class‑A‑Aktien. Die Einreichung besagt, dass jede Class‑B‑Aktie nach Wahl des Inhabers in eine Class‑A‑Aktie umwandelbar ist und dass GP/UGP‑Einheiten sowie Meyer Malka als alleinige stimmberechtigte und verfügungsbefugte Stellen über diese Aktien angesehen werden können. Bullfrog‑Einheiten meldeten 0 Aktien.






Check the appropriate box to designate the rule pursuant to which this Schedule is filed:
Rule 13d-1(b)
Rule 13d-1(c)
Rule 13d-1(d)






SCHEDULE 13G




Comment for Type of Reporting Person: Represents (i) 503,800 shares of Class A common stock and (ii) 492,983 shares of Class B common stock directly owned by Ribbit Capital IV, L.P. ("Fund IV") for itself and as nominee for Ribbit Founder Fund IV, L.P. ("FF IV"). Each share of Class B common stock is convertible at any time at the option of the holder into one share of Class A common stock. Ribbit Capital GP IV, L.P. ("GP IV"), the general partner of Fund IV and FF IV, Ribbit Capital GP IV, Ltd. ("UGP IV"), the general partner of GP IV, and Meyer Malka ("Malka"), the sole director of UGP IV, may be deemed to have sole power to vote and dispose of these shares. The percent of class is based upon 13.6 million shares of Class A common stock reported to be outstanding as of June 30, 2025, as set forth in the Issuer's Form 10-Q filed with the Securities and Exchange Commission on August 6, 2025. Assumes the conversion of the Class B common stock held by the Reporting Person into Class A common stock.


SCHEDULE 13G




Comment for Type of Reporting Person: Represents shares of Class B common stock directly owned by RT-E Ribbit Opportunity IV, LLC ("RT-E"). Each share of Class B common stock is convertible at any time at the option of the holder into one share of Class A common stock. GP IV, the managing member of RT-E, UGP IV, the general partner of GP IV, and Malka, the sole director of UGP IV, may be deemed to have sole power to vote and dispose of these shares. The percent of class is based upon 13.6 million shares of Class A common stock reported to be outstanding as of June 30, 2025, as set forth in the Issuer's Form 10-Q filed with the Securities and Exchange Commission on August 6, 2025. Assumes the conversion of the Class B common stock held by the Reporting Person into Class A common stock.


SCHEDULE 13G




Comment for Type of Reporting Person: 503,800 shares of Class A common stock and 492,983 shares of Class B common stock are directly owned by Fund IV for itself and as nominee for FF IV and 235,824 shares of Class B common stock are directly owned by RT-E. Each share of Class B common stock is convertible at any time at the option of the holder into one share of Class A common stock. GP IV, the general partner of Fund IV and FF IV and the managing member of RT-E, UGP IV, the general partner of GP IV and Malka, the sole director of UGP IV, may be deemed to have sole power to vote and dispose of these shares. The percent of class is based upon 13.6 million shares of Class A common stock reported to be outstanding as of June 30, 2025, as set forth in the Issuer's Form 10-Q filed with the Securities and Exchange Commission on August 6, 2025. Assumes the conversion of the Class B common stock held by the Reporting Person into Class A common stock.


SCHEDULE 13G




Comment for Type of Reporting Person: 503,800 shares of Class A common stock and 492,983 shares of Class B common stock are directly owned by Fund IV for itself and as nominee for FF IV and 235,824 shares of Class B common stock are directly owned by RT-E. Each share of Class B common stock is convertible at any time at the option of the holder into one share of Class A common stock. UGP IV is the general partner of GP IV, which is the general partner of Fund IV and FF IV and the managing member of RT-E, and Malka, the sole director of UGP IV, may be deemed to have sole power to vote and dispose of these shares. The percent of class is based upon 13.6 million shares of Class A common stock reported to be outstanding as of June 30, 2025, as set forth in the Issuer's Form 10-Q filed with the Securities and Exchange Commission on August 6, 2025. Assumes the conversion of the Class B common stock held by the Reporting Person into Class A common stock.


SCHEDULE 13G





SCHEDULE 13G





SCHEDULE 13G





SCHEDULE 13G




Comment for Type of Reporting Person: 503,800 shares of Class A common stock and 492,983 shares of Class B common stock are directly owned by Fund IV for itself and as nominee for FF IV and 235,824 shares of Class B common stock are directly owned by RT-E. Each share of Class B common stock is convertible at any time at the option of the holder into one share of Class A common stock. Malka is the sole director of UGP IV, which is the general partner of GP IV, which is the general partner of Fund IV and FF IV and the managing member of RT-E and may be deemed to have sole power to vote and dispose of these shares. The percent of class is based upon 13.6 million shares of Class A common stock reported to be outstanding as of June 30, 2025, as set forth in the Issuer's Form 10-Q filed with the Securities and Exchange Commission on August 6, 2025. Assumes the conversion of the Class B common stock held by the Reporting Person into Class A common stock.


SCHEDULE 13G



Ribbit Capital IV, L.P.
Signature:/s/ Meyer Malka
Name/Title:Meyer Malka, Director of General Partner of General Partner
Date:08/14/2025
RT-E Ribbit Opportunity IV, LLC
Signature:/s/ Meyer Malka
Name/Title:Meyer Malka, Director of General Partner of Managing Member
Date:08/14/2025
Ribbit Capital GP IV, L.P.
Signature:/s/ Meyer Malka
Name/Title:Meyer Malka, Director of General Partner
Date:08/14/2025
Ribbit Capital GP IV, Ltd.
Signature:/s/ Meyer Malka
Name/Title:Meyer Malka, Director
Date:08/14/2025
Bullfrog Capital, L.P.
Signature:/s/ Meyer Malka
Name/Title:Meyer Malka, Director of General Partner of General Partner
Date:08/14/2025
Bullfrog Capital GP, L.P.
Signature:/s/ Meyer Malka
Name/Title:Meyer Malka, Director of General Partner
Date:08/14/2025
Bullfrog Capital GP, Ltd.
Signature:/s/ Meyer Malka
Name/Title:Meyer Malka, Director
Date:08/14/2025
Meyer Malka
Signature:/s/ Meyer Malka
Name/Title:Meyer Malka
Date:08/14/2025

FAQ

Who filed the Schedule 13G/A for Root, Inc. (ROOT)?

The filing was submitted by multiple reporting persons collectively identified as the "Reporting Persons," including Ribbit Capital IV, L.P., RT-E Ribbit Opportunity IV, LLC, Ribbit Capital GP IV, L.P., Ribbit Capital GP IV, Ltd., Bullfrog entities, and Meyer Malka.

How many shares does Ribbit Capital IV, L.P. report owning in ROOT?

Ribbit Capital IV, L.P. reports directly owning 503,800 Class A shares and 492,983 Class B shares, totaling 996,783 shares (reported as 7.1% on a converted Class A basis).

What aggregate stake do Ribbit-affiliated entities and Meyer Malka report in ROOT?

The Reporting Persons report an aggregate beneficial ownership of 1,232,607 shares, reported as 8.7% of the Class A equivalent based on 13.6 million Class A shares outstanding used for the calculation.

Are the Class B shares convertible into Class A shares?

Yes. The filing states each Class B common share is convertible at the option of the holder into one share of Class A common stock, and percentages assume conversion.

Do Bullfrog entities hold any ROOT shares according to the filing?

No. The Bullfrog entities listed in the filing report 0 shares and 0.0% ownership.
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1.39B
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Insurance - Property & Casualty
Fire, Marine & Casualty Insurance
United States
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