---
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"
generated_at: "2026-05-27T07:40:46.404808+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.85
calibrated_materiality_score: 0.85
confidence: "high"
source: SEC EDGAR
---

# Progressive Q4 net income $2.36B (+19% YoY); full-year EPS $14.40, up 119%

## Summary
- 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%.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.85
- calibrated_materiality_score: 0.85
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000080661-25-000002
- JSON: https://secwatch.observer/filing/0000080661-25-000002.json
- Plain text: https://secwatch.observer/filing/0000080661-25-000002.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.