---
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"
generated_at: "2026-08-19T13:09:21.268407+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.5
calibrated_materiality_score: 0.5
confidence: "high"
source: SEC EDGAR
---

# Progressive July net income down 12% to $961M; combined ratio 86.8 vs 85.3

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: negative
- materiality_score: 0.5
- calibrated_materiality_score: 0.5
- confidence: high
- sec_items: 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000080661-26-000315
- JSON: https://secwatch.observer/filing/0000080661-26-000315.json
- Plain text: https://secwatch.observer/filing/0000080661-26-000315.txt

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