PGR · Progressive Corp/Oh/
$212.39
-0.89 (-0.42%)
At close · Jul 31
Market Cap
$124.63B
Shares
584.34M
Progressive Corp Earnings Call Transcripts
Every quarterly earnings call for Progressive Corp (PGR) — the full transcript with speaker labels, the audio replay, AI call highlights and a management-tone score, plus the matching 8-K earnings release and the quarter's 10-Q or 10-K. Investor days and conferences appear here too.
Revenue & result across quarters
Revenue Net income YoY up YoY down artefacts
▲7.8%
$13.47B
$826.90M
'22 Q4
23-01-25
▲20.8%
$14.30B
$447.90M
'23 Q1
23-04-13
▲33.3%
$15.35B
$345.40M
'23 Q2
23-07-13
▲21.8%
$15.56B
$1.12B
'23 Q3
23-10-13
▲25.4%
$16.89B
$1.99B
'23 Q4
24-01-24
▲20.6%
$17.24B
$2.33B
'24 Q1
24-04-12
▲18.1%
$18.13B
$1.46B
'24 Q2
24-07-16
▲26.7%
$19.72B
$2.33B
'24 Q3
24-10-15
▲20%
$20.28B
$2.36B
'24 Q4
25-01-29
▲18.4%
$20.41B
$2.57B
'25 Q1
25-04-16
▲21.3%
$22.00B
$3.17B
'25 Q2
25-08-05
▲14.2%
$22.51B
$2.62B
'25 Q3
25-11-04
▲12.2%
$22.75B
$2.95B
'25 Q4
26-01-28
LATEST
▲8.7%
$22.19B
$2.82B
'26 Q1
26-05-05
Earnings call
FY26 · Q2
2026-08-19
The Progressive Corporation July Earnings Release
Scheduled
Results not yet reported
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY26 · Q2
2026-07-15
Progressive Corp/Oh/ Q2 FY2026 Earnings Call
Results not yet reported
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY26 · Q1
2026-05-05
Progressive Corp/Oh/ Q1 FY2026 Earnings Call
Confident tone
Independent agency channel
Personal auto market share and profitability
Commercial lines and diversification
Revenue
$22.19B
▲ 8.7% YoY Diluted EPS
$4.80
▲ 9.8% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY25 · Q4
2026-01-28
Progressive Corp/Oh/ Q4 FY2025 Earnings Call
Confident tone
Capital Management and Operating Leverage
Florida Personal Auto and Policyholder Credits
Investment Portfolio and Risk Management
Revenue
$22.75B*
▲ 12.2% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-K
Earnings call
FY25 · Q3
2025-11-04
Progressive Corp/Oh/ Q3 FY2025 Earnings Call
Confident tone
Customer Shopping and Retention / PLE
Florida Excess Profits / Policyholder Credit
Severity, Frequency, and ADAS
Revenue
$22.51B
▲ 14.2% YoY Diluted EPS
$4.45
▲ 12.1% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY25 · Q2
2025-08-05
Progressive Corp/Oh/ Q2 FY2025 Earnings Call
Confident tone
Loss cost trends and frequency
Pricing methodology and product models
Commercial Lines performance
Revenue
$22.00B
▲ 21.3% YoY Diluted EPS
$5.40
▲ 117.7% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY25 · Q1
2025-04-16
Progressive Corp/Oh/ Q1 FY2025 Earnings Call
Confident tone
Direct versus agency channel growth
Tariff and macroeconomic uncertainty preparedness
Property mix shift toward less volatile states
Revenue
$20.41B
▲ 18.4% YoY Diluted EPS
$4.37
▲ 10.9% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY24 · Q4
2025-01-29
Progressive Corp/Oh/ Q4 FY2024 Earnings Call
Confident tone
Claims technology and efficiency
Strategic pillars: people, culture, and competitive pricing
Home/Auto bundling and de-risking
Revenue
$20.28B*
▲ 20% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-K
Earnings call
FY24 · Q3
2024-10-15
Progressive Corp/Oh/ Q3 FY2024 Earnings Call
Confident tone
Personal Auto Pricing and Segmentation
Competitive Positioning and Media Flexibility
Policy and Premium Growth
Revenue
$19.72B
▲ 26.7% YoY Diluted EPS
$3.97
▲ 110.1% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY24 · Q2
2024-07-16
Progressive Corp/Oh/ Q2 FY2024 Earnings Call
Positive tone
Direct channel acquisition and media
Cost per sale and advertising costs
Competitive landscape and rational competitors
Revenue
$18.13B
▲ 18.1% YoY Diluted EPS
$2.48
▲ 335.1% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY24 · Q1
2024-04-12
Progressive Corp/Oh/ Q1 FY2024 Earnings Call
Confident tone
Personal Auto Growth and Combined Ratio
Frequency Trends and Underwriting Actions
Inflation and Severity Stabilization
Revenue
$17.24B
▲ 20.6% YoY Diluted EPS
$3.94
▲ 425.3% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY23 · Q4
2024-01-24
Progressive Corp/Oh/ Q4 FY2023 Earnings Call
Confident tone
Multi-carrier marketplace platforms
Destination company and customer segments
Expense ratio management
Revenue
$16.89B*
▲ 25.4% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-K
Earnings call
FY23 · Q3
2023-10-13
Progressive Corp/Oh/ Q3 FY2023 Earnings Call
Revenue
$15.56B
▲ 21.8% YoY Diluted EPS
$1.89
▲ 845% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY23 · Q2
2023-07-13
Progressive Corp/Oh/ Q2 FY2023 Earnings Call
Revenue
$15.35B
▲ 33.3% YoY Diluted EPS
$0.57
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY23 · Q1
2023-04-13
Progressive Corp/Oh/ Q1 FY2023 Earnings Call
Revenue
$14.30B
▲ 20.8% YoY Diluted EPS
$0.75
▲ 44.2% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY22 · Q4
2023-01-25
Progressive Corp/Oh/ Q4 FY2022 Earnings Call
Revenue
$13.47B*
▲ 7.8% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-K
Earnings call
FY22 · Q3
2022-10-13
Progressive Corp/Oh/ Q3 FY2022 Earnings Call
Revenue
$12.78B
▲ 7.8% YoY Diluted EPS
$0.20
▲ 5.3% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY22 · Q2
2022-07-15
Progressive Corp/Oh/ Q2 FY2022 Earnings Call
Revenue
$11.52B
▼ 3.2% YoY Diluted EPS
$-0.94
▼ 170.1% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY22 · Q1
2022-04-14
Progressive Corp/Oh/ Q1 FY2022 Earnings Call
Revenue
$11.84B
▲ 3.5% YoY Diluted EPS
$0.52
▼ 79.3% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY21 · Q4
2022-01-26
Progressive Corp/Oh/ Q4 FY2021 Earnings Call
Revenue
$12.49B*
▲ 9.4% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-K
Earnings call
FY21 · Q3
2021-10-14
Progressive Corp/Oh/ Q3 FY2021 Earnings Call
Revenue
$11.86B
▲ 8.3% YoY Diluted EPS
$0.19
▼ 92.7% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY21 · Q2
2021-07-15
Progressive Corp/Oh/ Q2 FY2021 Earnings Call
Revenue
$11.91B
▲ 8.5% YoY Diluted EPS
$1.34
▼ 55.9% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY21 · Q1
2021-04-15
Progressive Corp/Oh/ Q1 FY2021 Earnings Call
Revenue
$11.45B
▲ 22.8% YoY Diluted EPS
$2.51
▲ 114.5% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY20 · Q4
2021-01-27
Progressive Corp/Oh/ Q4 FY2020 Earnings Call
Revenue
$11.42B*
▲ 6.3% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-K
Earnings call
FY20 · Q3
2020-10-14
Progressive Corp/Oh/ Q3 FY2020 Earnings Call
Revenue
$10.95B
▲ 14.9% YoY Diluted EPS
$2.59
▲ 82.4% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY20 · Q2
2020-07-15
Progressive Corp/Oh/ Q2 FY2020 Earnings Call
Revenue
$10.97B
▲ 16.1% YoY Diluted EPS
$3.04
▲ 83.1% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY20 · Q1
2020-04-15
Progressive Corp/Oh/ Q1 FY2020 Earnings Call
Revenue
$9.32B
▲ 0.3% YoY Diluted EPS
$1.17
▼ 36.1% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY19 · Q4
2020-01-29
Progressive Corp/Oh/ Q4 FY2019 Earnings Call
Revenue
$10.74B*
▲ 33.7% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-K
Showing 1–28 of 28 earnings calls
Key facts
CIK
80661
CUSIP
743315103
13F (30d)
745 filings
713 filers
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