{"schema_version":"secwatch.filing_event.v1","accession":"0000080661-26-000315","form_type":"8-K","ticker":"PGR","cik":"0000080661","company_name":"PROGRESSIVE CORP/OH/","filed_at":"2026-08-19T13:08:04+00:00","discovered_at":"2026-08-19T13:09:12.271613+00:00","generated_at":"2026-08-19T13:09:21.268407+00:00","sec_items":["7.01","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.5,"calibrated_materiality_score":0.5,"confidence":"high","headline":"Progressive July net income down 12% to $961M; combined ratio 86.8 vs 85.3","bullets":["July net premiums written $7,441M (+5% YoY); net premiums earned $7,355M (+5%).","Net income $961M (-12% YoY); diluted EPS $1.65 vs $1.85; pretax realized losses on securities -$47M.","Combined ratio 86.8 vs 85.3 (1.5 pts worse); catastrophe loss ratio 2.1 pts.","YTD net income $7,090M (+4% YoY); diluted EPS $12.12 vs $11.62; NPW $52,159M (+6%).","Policies in force 40.3M (+7% YoY); book value per share $59.64."],"urls":{"canonical":"https://secwatch.observer/filing/0000080661-26-000315","json":"https://secwatch.observer/filing/0000080661-26-000315.json","markdown":"https://secwatch.observer/filing/0000080661-26-000315.md","text":"https://secwatch.observer/filing/0000080661-26-000315.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/80661/000008066126000315/0000080661-26-000315-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/80661/000008066126000315/pgr-20260819.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-08-19T13:09:21.268407+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"}