---
schema_version: "secwatch.filing_event.v1"
accession: "0000080661-26-000071"
form_type: "8-K"
ticker: "PGR"
cik: "0000080661"
company_name: "PROGRESSIVE CORP/OH/"
filed_at: "2026-01-28T23:59:59+00:00"
generated_at: "2026-05-16T07:14:59.502742+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Progressive Q4 net income $1.15B (+22% YoY); CFO Sauerland to retire July 3, 2026

## Summary
- Q4 diluted EPS $1.95, up 22% YoY; net premiums earned $7.12B, up 6%.
- Full-year net income $11.31B, up 33%; diluted EPS $19.23 from $14.40.
- Q4 combined ratio 87.1 (worsened 3 pts YoY); full-year combined ratio 87.4 (improved 0.5 pts).
- Total policies in force up 10% to 38.6M; net premiums written for year up 12% to $83.2B.
- CFO John Sauerland retiring July 3, 2026; Andrew Quigg (Chief Strategy Officer) expected to succeed.

## SEC filing metadata
- accession: 0000080661-26-000071
- form_type: 8-K
- ticker: PGR
- cik: 0000080661
- company_name: PROGRESSIVE CORP/OH/
- filed_at: 2026-01-28T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 5.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/80661/000008066126000071/0000080661-26-000071-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/80661/000008066126000071/pgr-20260126.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000080661-26-000071
- JSON: https://secwatch.observer/filing/0000080661-26-000071.json
- Plain text: https://secwatch.observer/filing/0000080661-26-000071.txt

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