---
schema_version: "secwatch.filing_event.v1"
accession: "0000080661-25-000134"
form_type: "8-K"
ticker: "PGR"
cik: "0000080661"
company_name: "PROGRESSIVE CORP/OH/"
filed_at: "2025-11-19T23:59:59+00:00"
generated_at: "2026-05-16T18:38:35.135507+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.6
calibrated_materiality_score: 0.6
confidence: "high"
source: SEC EDGAR
---

# Progressive reports October 2025 net income $846M, EPS $1.44; combined ratio improves to 89.7%

## Summary
- Net premiums written $7,002M (+6% YoY); net premiums earned $7,078M (+11% YoY).
- Net income $846M vs $408M in October 2024; diluted EPS $1.44, up 107%.
- Combined ratio 89.7% vs 94.1% a year ago, improving 4.4 pts.
- Personal Lines policies in force grew 12% to 37.2M; Direct auto up 16%.
- YTD net income $9.2B vs $6.5B; book value per share $62.00.

## SEC filing metadata
- accession: 0000080661-25-000134
- form_type: 8-K
- ticker: PGR
- cik: 0000080661
- company_name: PROGRESSIVE CORP/OH/
- filed_at: 2025-11-19T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.6
- calibrated_materiality_score: 0.6
- confidence: high
- sec_items: 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/80661/000008066125000134/0000080661-25-000134-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/80661/000008066125000134/pgr-20251119.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000080661-25-000134
- JSON: https://secwatch.observer/filing/0000080661-25-000134.json
- Plain text: https://secwatch.observer/filing/0000080661-25-000134.txt

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