---
schema_version: "secwatch.filing_event.v1"
accession: "0000080661-25-000004"
form_type: "8-K"
ticker: "PGR"
cik: "0000080661"
company_name: "PROGRESSIVE CORP/OH/"
filed_at: "2025-02-19T23:59:59+00:00"
generated_at: "2026-05-26T12:46:52.472063+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.6
calibrated_materiality_score: 0.6
confidence: "high"
source: SEC EDGAR
---

# Progressive reports Jan. net income $1.12B, EPS $1.90; combined ratio 84.1%

## Summary
- Net premiums earned $6.59B (+22% YoY); net premiums written $6.48B (+18% YoY).
- Net income $1.12B (+59%); diluted EPS $1.90 vs $1.18 in Jan 2024.
- Combined ratio improved to 84.1% from 87.3%; catastrophe losses of $43M from California wildfires.
- Companywide policies in force grew 18% to 35.3M; personal lines agency auto up 18%, direct auto up 25%.
- Pretax annualized investment income book yield 4.1% vs 3.6% a year ago.

## SEC filing metadata
- accession: 0000080661-25-000004
- form_type: 8-K
- ticker: PGR
- cik: 0000080661
- company_name: PROGRESSIVE CORP/OH/
- filed_at: 2025-02-19T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.6
- calibrated_materiality_score: 0.6
- confidence: high
- sec_items: 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/80661/000008066125000004/0000080661-25-000004-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/80661/000008066125000004/pgr-20250219.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000080661-25-000004
- JSON: https://secwatch.observer/filing/0000080661-25-000004.json
- Plain text: https://secwatch.observer/filing/0000080661-25-000004.txt

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