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Dec 31, 2022

Progressive Q4 2022 Earnings Report

Reported December results with a net income of $5.8 million and an EPS of $0.01.

Key Takeaways

Progressive reported a net income of $5.8 million, or $0.01 per share, for December 2022. Net premiums earned were $4.03 billion, and the combined ratio was 93.3. The company's total assets were $75.465 billion.

Net premiums written increased by 15% to $3.574 billion.

Net premiums earned increased by 12% to $4.030 billion.

The combined ratio was 93.3, a decrease of 1.3 points.

Net income decreased by 99% to $5.8 million.

Total Revenue
$12.9B
Previous year: $11.6B
+11.1%
EPS
$1.5
Previous year: $1.05
+42.9%
Underwriting Margin
93.3%
Previous year: 94.6%
-1.4%
Gross Profit
$13.5B
Previous year: $12.5B
+7.8%
Cash and Equivalents
$23.5B
Previous year: $202M
+11545.5%
Free Cash Flow
$883M
Previous year: $397M
+122.4%
Total Assets
$75.5B
Previous year: $71.1B
+6.1%

Progressive

Progressive

Progressive Revenue by Segment

Forward Guidance

The company's fourth quarter Investor Relations conference call is scheduled for Tuesday, February 28, 2023. The company plans to post its 2022 Shareholders’ Report online and file its Annual Report on Form 10-K with the SEC on Monday, February 27, 2023. The company plans to release January results on Wednesday, February 15, 2023.

Revenue & Expenses

Visualization of income flow from segment revenue to net income