---
schema_version: "secwatch.filing_event.v1"
accession: "0000080661-25-000056"
form_type: "8-K"
ticker: "PGR"
cik: "0000080661"
company_name: "PROGRESSIVE CORP/OH/"
filed_at: "2025-08-20T23:59:59+00:00"
generated_at: "2026-05-17T11:18:12.332448+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# Progressive posts July net income $1.09B (+34%), combined ratio 85.3%, policies up 14%

## Summary
- Net income $1.09B (+34% YoY); diluted EPS $1.85 vs $1.38.
- Combined ratio improved 2.7 pts to 85.3% from 88.0%.
- Net premiums written $7.06B (+11%); earned $6.99B (+15%).
- Policies in force 37.6M, up 14% YoY; agency auto +15%, direct auto +19%.
- YTD net income $6.83B vs $4.60B; diluted EPS $11.62 vs $7.80.

## SEC filing metadata
- accession: 0000080661-25-000056
- form_type: 8-K
- ticker: PGR
- cik: 0000080661
- company_name: PROGRESSIVE CORP/OH/
- filed_at: 2025-08-20T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/80661/000008066125000056/0000080661-25-000056-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/80661/000008066125000056/pgr-20250820.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000080661-25-000056
- JSON: https://secwatch.observer/filing/0000080661-25-000056.json
- Plain text: https://secwatch.observer/filing/0000080661-25-000056.txt

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