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Dec 31, 2025
Progressive Q4 2025 Earnings Report
Progressive reported solid Q4 2025 results with higher earnings and strong premium growth.
Key Takeaways
Progressive posted strong Q4 2025 results, with net income rising to $2.95 billion and EPS reaching $5.02, supported by higher premiums and investment gains.
Revenue by Segment
Revenue by Geographic Location
Forward Guidance
Progressive did not provide specific forward guidance but highlighted an upcoming investor presentation and continued premium growth.
Positive Outlook
- Net income increased 25% YoY
- EPS rose to $5.02 driven by strong underwriting and investment performance
- Net premiums written grew 8% YoY
- Policies in force rose 10% YoY
- Book value per share increased to $51.74
Challenges Ahead
- Combined ratio slightly worsened to 88.0
- Commercial lines growth remained modest at 4%
- Catastrophe losses impacted some property lines
- Investment gains were a significant driver of EPS, not core operations
- No specific forward guidance provided
Historical Earnings Impact
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Avg. Return Before/After Earnings
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