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Sep 30, 2023

Progressive Q3 2023 Earnings Report

Progressive reported strong September and Q3 2023 results, marked by significant growth in net premiums and a substantial increase in net income compared to the previous year.

Key Takeaways

Progressive Corporation reported a strong financial performance for September and the third quarter of 2023. Net premiums written increased by 22% for both September and the quarter. Net income saw a significant rise, reaching $369.3 million for September and $1,121.3 million for the third quarter, a substantial improvement compared to the previous year. The combined ratio improved significantly, indicating better underwriting profitability.

Net premiums written increased by 22% for September and Q3 2023.

Net income improved significantly, reaching $369.3 million for September and $1,121.3 million for Q3 2023.

The combined ratio improved to 89.7 for September and 92.4 for Q3 2023.

Policies in force showed growth across personal, special, and commercial lines.

Total Revenue
$14.9B
Previous year: $12.4B
+20.1%
EPS
$2.09
Previous year: $0.52
+301.9%
Underwriting Margin
92.4%
Previous year: 99.2%
-6.9%
Gross Profit
$15.6B
Previous year: $12.8B
+21.8%
Cash and Equivalents
$138M
Previous year: $365M
-62.1%
Free Cash Flow
$3.38B
Previous year: $1.92B
+76.3%
Total Assets
$80.3B
Previous year: $75.5B
+6.4%

Progressive

Progressive

Progressive Revenue by Segment

Forward Guidance

The company has scheduled its Q3 investor relations conference call for November 1, 2023, and plans to file its Quarterly Report on Form 10-Q with the SEC on October 31, 2023. October results are expected to be released on November 17, 2023.