{"schema_version":"secwatch.filing_event.v1","accession":"0000080661-25-000142","form_type":"8-K","ticker":"PGR","cik":"0000080661","company_name":"PROGRESSIVE CORP/OH/","filed_at":"2025-12-17T23:59:59+00:00","discovered_at":"2026-05-14T18:02:42.223421+00:00","generated_at":"2026-05-16T12:58:59.897336+00:00","sec_items":["7.01","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Progressive November net income down 5% to $958M; combined ratio 87.1 vs 85.6","bullets":["Net premiums written $6.19B, +11% YoY; net premiums earned $6.89B, +14%.","Diluted EPS $1.63 vs $1.71, -5%; total pretax realized gains fell 82% to $32M.","Combined ratio 87.1, worsened 1.5 pts from 85.6; loss/LAE ratio 66.0.","Policies in force 38.4M, +11% YoY; Personal Lines agency auto +10%, direct auto +14%.","Board declared annual dividend of $13.50/share and quarterly $0.10, payable Jan 8, 2026."],"urls":{"canonical":"https://secwatch.observer/filing/0000080661-25-000142","json":"https://secwatch.observer/filing/0000080661-25-000142.json","markdown":"https://secwatch.observer/filing/0000080661-25-000142.md","text":"https://secwatch.observer/filing/0000080661-25-000142.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/80661/000008066125000142/0000080661-25-000142-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/80661/000008066125000142/pgr-20251217.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-16T12:58:59.897336+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"}