{"schema_version":"secwatch.filing_event.v1","accession":"0000080661-26-000096","form_type":"8-K","ticker":"PGR","cik":"0000080661","company_name":"PROGRESSIVE CORP/OH/","filed_at":"2026-03-18T23:59:59+00:00","discovered_at":"2026-05-14T18:02:37.738635+00:00","generated_at":"2026-05-15T09:59:45.982414+00:00","sec_items":["7.01","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.55,"calibrated_materiality_score":0.55,"confidence":"high","headline":"Progressive reports February net income $943M, combined ratio 85.7, NPW up 5%","bullets":["Net premiums written $6.995B, up 5% YoY; net premiums earned $6.528B, up 8%.","Net income $943M ($1.61 diluted EPS), up 2% from $928M ($1.58) in Feb 2025.","Combined ratio of 85.7 vs 82.6 a year ago, driven by higher loss/LAE ratio (65.0 vs 62.7).","Total policies in force 39.22M, up 10% YoY; Personal Lines +10%, Commercial +3%.","February closing nuance reduced NPW growth by ~2-3 pts; Q1 growth expected unaffected."],"urls":{"canonical":"https://secwatch.observer/filing/0000080661-26-000096","json":"https://secwatch.observer/filing/0000080661-26-000096.json","markdown":"https://secwatch.observer/filing/0000080661-26-000096.md","text":"https://secwatch.observer/filing/0000080661-26-000096.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/80661/000008066126000096/0000080661-26-000096-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/80661/000008066126000096/pgr-20260318.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-15T09:59:45.982414+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"}