{"schema_version":"secwatch.filing_event.v1","accession":"0000080661-25-000030","form_type":"8-K","ticker":"PGR","cik":"0000080661","company_name":"PROGRESSIVE CORP/OH/","filed_at":"2025-05-21T23:59:59+00:00","discovered_at":"2026-05-14T18:02:51.347658+00:00","generated_at":"2026-05-20T23:18:10.207719+00:00","sec_items":["7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Progressive April net income $986M (+134% YoY); combined ratio improves to 84.9","bullets":["Net premiums written $6.84B (+11% YoY); net premiums earned $6.64B (+19%).","Diluted EPS $1.68, up 134% from $0.72 in April 2024.","Combined ratio 84.9, down 4.1 points from 89.0, driven by lower loss/LAE ratio.","Policies in force grew 17% to 36.65M; Personal Lines direct auto up 23%.","Year-to-date net income $3.55B vs $2.75B; total comprehensive income $4.82B."],"urls":{"canonical":"https://secwatch.observer/filing/0000080661-25-000030","json":"https://secwatch.observer/filing/0000080661-25-000030.json","markdown":"https://secwatch.observer/filing/0000080661-25-000030.md","text":"https://secwatch.observer/filing/0000080661-25-000030.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/80661/000008066125000030/0000080661-25-000030-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/80661/000008066125000030/pgr-20250521.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-20T23:18:10.207719+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"}