{"schema_version":"secwatch.filing_event.v1","accession":"0000080661-25-000032","form_type":"8-K","ticker":"PGR","cik":"0000080661","company_name":"PROGRESSIVE CORP/OH/","filed_at":"2025-06-18T23:59:59+00:00","discovered_at":"2026-05-14T18:02:51.347936+00:00","generated_at":"2026-05-19T03:54:05.354091+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 May net income $1.07B vs $235M YoY; combined ratio 86.9 vs 100.4","bullets":["Net premiums written $6.63B (+11% YoY); net premiums earned $6.72B (+15% YoY).","Diluted EPS $1.81 vs $0.40 last year; net income $1.065B up 353%.","Companywide policies in force 37.0M (+16% YoY); Personal Lines auto direct up 22%.","Combined ratio improved 13.5 pts to 86.9; net catastrophe loss ratio 4.1 pts.","YTD net income $4.62B ($7.86 diluted EPS); trailing 12-month ROE 37.6%."],"urls":{"canonical":"https://secwatch.observer/filing/0000080661-25-000032","json":"https://secwatch.observer/filing/0000080661-25-000032.json","markdown":"https://secwatch.observer/filing/0000080661-25-000032.md","text":"https://secwatch.observer/filing/0000080661-25-000032.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/80661/000008066125000032/0000080661-25-000032-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/80661/000008066125000032/pgr-20250618.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-19T03:54:05.354091+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"}