{"schema_version":"secwatch.filing_event.v1","accession":"0000080661-25-000038","form_type":"8-K","ticker":"PGR","cik":"0000080661","company_name":"PROGRESSIVE CORP/OH/","filed_at":"2025-07-16T23:59:59+00:00","discovered_at":"2026-05-14T18:02:46.418975+00:00","generated_at":"2026-05-18T06:23:30.345251+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"Progressive Q2 net income $3.18B ($5.40 diluted EPS), combined ratio improves to 86.2%","bullets":["Net income for Q2 2025 reached $3.18B, up 118% YoY; diluted EPS $5.40 vs $2.48.","Companywide combined ratio improved to 86.2% from 91.9% a year ago; net catastrophe losses 3.2% of NPE in June, half from Texas storms.","Net premiums written grew 15% to $6.6B in June ($20.1B in Q2, +12%); policies in force totaled 37.3M, up 15%.","Personal Lines direct auto policies in force up 21% to 15.2M; Commercial Lines policies up 6% to 1.19M.","Book value per share $55.62; trailing 12-month ROE (net income) 37.7%; June share repurchases: 14,367 shares at avg $272."],"urls":{"canonical":"https://secwatch.observer/filing/0000080661-25-000038","json":"https://secwatch.observer/filing/0000080661-25-000038.json","markdown":"https://secwatch.observer/filing/0000080661-25-000038.md","text":"https://secwatch.observer/filing/0000080661-25-000038.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/80661/000008066125000038/0000080661-25-000038-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/80661/000008066125000038/pgr-20250716.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-18T06:23:30.345251+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"}