{"schema_version":"secwatch.filing_event.v1","accession":"0000080661-23-000043","form_type":"8-K","ticker":"PGR","cik":"0000080661","company_name":"PROGRESSIVE CORP/OH/","filed_at":"2023-08-16T23:59:59+00:00","discovered_at":"2026-05-14T18:03:36.694446+00:00","generated_at":"2026-06-11T08:58:50.767743+00:00","sec_items":["7.01","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.5,"calibrated_materiality_score":0.5,"confidence":"high","headline":"Progressive July NPW +21% to $5.95B, net income -12% to $604M, combined ratio 90.6","bullets":["Net premiums written $5.95B (+21% YoY); net premiums earned $5.65B (+20%).","Net income $604M (-12% YoY); diluted EPS $1.02 (-13% from $1.17).","Combined ratio 90.6 vs 89.8 (up 0.8 pts); net catastrophe loss ratio 3.2%.","Total policies in force 29.6M (+11% YoY); personal auto policies 19.6M (+14%).","Calendar discrepancy boosted personal auto written premium growth ~3% in July; accounting calendar change planned Q4 2023."],"urls":{"canonical":"https://secwatch.observer/filing/0000080661-23-000043","json":"https://secwatch.observer/filing/0000080661-23-000043.json","markdown":"https://secwatch.observer/filing/0000080661-23-000043.md","text":"https://secwatch.observer/filing/0000080661-23-000043.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/80661/000008066123000043/0000080661-23-000043-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/80661/000008066123000043/pgr-20230816.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-11T08:58:50.767743+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}