PGR Progressive Corporation

company

SEC Filings & Insider Trading Activity 2026

Risk Factors

• • Florida regulatory profit-sharing rule triggered $1.2B policyholder credit expense in 2025, adding 1.5 pts to underwriting expense ratio
• • Catastrophe exposure unhedged for personal auto/commercial auto; property reinsurance retention $200M per non-Florida event, $75M per Florida event
• • Advertising spend surged to $5.1B in 2025 vs $4.0B in 2024, required to sustain growth momentum amid intensifying direct-channel competition
• • Net premiums written-to-surplus ratio at 2.9:1 approaching 3.0:1 regulatory cap, constraining growth capacity without additional capital

Management Discussion & Analysis

• • Net premiums written $83.2B, up $8.8B (+12%) YoY; net premiums earned up 15%
• • Companywide underwriting margin 12.6% vs 11.2% in 2024; Personal Lines 12.5% vs 11.4%; Commercial Lines 13.0% vs 10.6%
• • Best segment: Commercial Lines margin 13.0%; worst: Personal Lines vehicles direct combined ratio 90.1 vs agency 85.4; personal property standout at 24.9% margin vs 1.7% in 2024
• • Capital allocation: $8.1B common dividends declared ($13.90/share); share repurchases $166M; operating cash flows +$2.4B YoY; investment portfolio grew to $97.4B from $80.3B
• • Key risks: tariffs may raise vehicle loss costs and pressure 2026 profitability; $1.2B Florida policyholder credit recorded; management expects modest rate increases in property and commercial auto through 2026

Business Overview

• • Personal Lines/Commercial Lines P&C insurer selling auto, property, and specialty insurance via agency and direct channels across all 50 states
• • Personal auto model 9.0 launched Q3 2025 — introduced embedded renters insurance as optional auto policy endorsement; live in 10 states representing ~25% of personal auto NPW
• • Direct channel share gaining vs agency: direct personal vehicle volume reached 57% in 2025 vs 55% in 2024 and 54% in 2023; direct property also growing to 28% from 23% in 2023
• • Investment portfolio surged to $97.4B fair value at year-end 2025, up from $80.3B in 2024 (+21%); total investment income $4.3B vs $3.1B prior year
• • ~70,000 employees with 90% annualized retention rate; engagement survey ranked top 1% among 1,000+ U.S. employers surveyed

What are the latest PGR SEC filings in 2026?

Progressive Corporation (PGR) has filed a 10-K annual report on March 2, 2026, a 10-Q quarterly report on May 4, 2026, an 8-K current report on July 15, 2026 with the SEC. SignalX tracks every new SEC EDGAR filing daily, including 10-K, 10-Q, 8-K, and Form 4 insider transactions, with AI-powered summaries of key sections.

When did PGR file its most recent 10-K annual report?

Progressive Corporation (PGR) filed its most recent 10-K annual report on March 2, 2026. The 10-K includes audited financial statements, business overview, risk factors, and management discussion, all available on SignalX with AI-generated summaries and XBRL financial data.

How do I view PGR 10-Q quarterly reports?

Progressive Corporation (PGR)'s most recent 10-Q quarterly report was filed on May 4, 2026. SignalX displays every PGR 10-Q with AI-generated summaries of the MD&A (Management Discussion & Analysis) and Risk Factors sections, plus links to the original SEC EDGAR document.

What 8-K current reports has PGR filed recently?

Progressive Corporation (PGR)'s most recent 8-K was filed on July 15, 2026. 8-K filings disclose material corporate events such as earnings releases, executive changes, mergers, and other significant developments. SignalX surfaces each 8-K with item-level summaries so you can quickly see what happened.

Where can I find PGR insider trading activity (Form 4)?

SignalX aggregates every PGR Form 4 insider transaction from SEC EDGAR. Form 4 reports show when officers, directors, and 10% shareholders buy or sell company stock, with transaction code, share count, and price per share.

How often does PGR file with the SEC?

Progressive Corporation (PGR) files a 10-K annual report once per year (typically within 60 days of fiscal year-end) and 10-Q quarterly reports three times per year. 8-K current reports are filed as needed when material events occur, and Form 4 insider transaction reports are due within two business days of a trade. SignalX monitors SEC EDGAR daily to surface every new PGR filing with AI-powered analysis.

What is the difference between 10-K, 10-Q, and 8-K SEC filings?

A 10-K is a comprehensive annual report with audited financials, business overview, and risk factors. A 10-Q is a shorter quarterly report with unaudited financials and management discussion. An 8-K is a current report filed when a material event occurs, such as earnings releases, executive changes, acquisitions, or other significant developments. SignalX provides AI-generated summaries for all three filing types for Progressive Corporation (PGR).

What is PGR's SEC CIK number?

Progressive Corporation (PGR)'s SEC CIK (Central Index Key) number is 80661. The CIK is a unique identifier assigned by the SEC to every filing entity. You can use CIK 80661 to look up all PGR filings on SEC EDGAR, or browse them here on SignalX with AI-powered analysis.

Where can I find PGR return on equity (ROE) and financial data?

SignalX extracts XBRL financial data from Progressive Corporation (PGR) 10-K annual filings, including revenue, net income, gross profit, operating income, EPS, total assets, stockholders' equity, and operating cash flow. Return on equity (ROE) can be derived from net income divided by stockholders' equity. Multi-year financial trends are displayed in the Financial Summary table above.