---
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"
generated_at: "2026-05-19T03:54:05.354091+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Progressive May net income $1.07B vs $235M YoY; combined ratio 86.9 vs 100.4

## Summary
- 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%.

## SEC filing metadata
- 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
- 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/80661/000008066125000032/0000080661-25-000032-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/80661/000008066125000032/pgr-20250618.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000080661-25-000032
- JSON: https://secwatch.observer/filing/0000080661-25-000032.json
- Plain text: https://secwatch.observer/filing/0000080661-25-000032.txt

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