---
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"
generated_at: "2026-05-20T23:18:10.207719+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Progressive April net income $986M (+134% YoY); combined ratio improves to 84.9

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000080661-25-000030
- JSON: https://secwatch.observer/filing/0000080661-25-000030.json
- Plain text: https://secwatch.observer/filing/0000080661-25-000030.txt

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