{"schema_version":"secwatch.filing_event.v1","accession":"0000080661-26-000322","form_type":"8-K","ticker":"PGR","cik":"0000080661","company_name":"PROGRESSIVE CORP/OH/","filed_at":"2026-09-18T12:38:53+00:00","discovered_at":"2026-09-18T12:40:01.394643+00:00","generated_at":"2026-09-18T12:40:07.524773+00:00","sec_items":["7.01","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.6,"calibrated_materiality_score":0.6,"confidence":"high","headline":"Progressive August net income falls 22% to $951M; combined ratio 89.3 vs 83.1","bullets":["August net premiums written $7.605B, up 6% YoY; net premiums earned $7.354B, up 5%.","Net income $951M, down 22% YoY; EPS $1.63 vs $2.07; combined ratio 89.3 vs 83.1.","Catastrophe loss ratio 1.9% in August; favorable prior-year reserve development $131M.","Policies in force 40.492M, up 7% YoY; commercial lines NPW up 13%.","YTD net income $8.041B, virtually flat; diluted EPS $13.75 vs $13.69; book value $60.92."],"urls":{"canonical":"https://secwatch.observer/filing/0000080661-26-000322","json":"https://secwatch.observer/filing/0000080661-26-000322.json","markdown":"https://secwatch.observer/filing/0000080661-26-000322.md","text":"https://secwatch.observer/filing/0000080661-26-000322.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/80661/000008066126000322/0000080661-26-000322-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/80661/000008066126000322/pgr-20260918.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-09-18T12:40:07.524773+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"}