{"schema_version":"secwatch.filing_event.v1","accession":"0000080661-25-000002","form_type":"8-K","ticker":"PGR","cik":"0000080661","company_name":"PROGRESSIVE CORP/OH/","filed_at":"2025-01-29T23:59:59+00:00","discovered_at":"2026-05-14T18:03:06.394428+00:00","generated_at":"2026-05-27T07:40:46.404808+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.85,"calibrated_materiality_score":0.85,"confidence":"high","headline":"Progressive Q4 net income $2.36B (+19% YoY); full-year EPS $14.40, up 119%","bullets":["December quarter net premiums written $5.96B (+22% YoY); net premiums earned $6.72B (+26%).","Full-year net income $8.48B vs $3.90B; diluted EPS $14.40 vs $6.58.","Q4 combined ratio improved to 87.9% from 88.7% a year ago.","Year-end policies in force 34.95M, up 18% YoY; Personal Lines direct auto up 25%.","Full-year investment income $2.83B (+50%); total portfolio return 4.6%."],"urls":{"canonical":"https://secwatch.observer/filing/0000080661-25-000002","json":"https://secwatch.observer/filing/0000080661-25-000002.json","markdown":"https://secwatch.observer/filing/0000080661-25-000002.md","text":"https://secwatch.observer/filing/0000080661-25-000002.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/80661/000008066125000002/0000080661-25-000002-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/80661/000008066125000002/pgr-20250129.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-27T07:40:46.404808+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"}