Progressive Reports November 2025 Results
Progressive (NYSE: PGR) reported November 2025 results on Dec. 17, 2025.
Rhea-AI Summary
Progressive (NYSE: PGR) reported November 2025 results on Dec. 17, 2025. Key monthly figures: Net premiums written $6,193M (up 11% year-over-year) and Net premiums earned $6,894M (up 14% YoY). Company reported Net income $958M and EPS $1.63, each down about 5% year-over-year. Pretax net realized gains on securities fell to $32M (down 82%). The company reported a combined ratio of 87.1, versus 85.6 a year earlier. Policies in force totaled 38,414 thousand companywide (up 11% YoY), driven by increases in direct and agency auto policies.
The release directs readers to Progressive’s complete monthly earnings release and monthly commentary for further detail.
Positive
- Net premiums written +11% to $6,193M
- Net premiums earned +14% to $6,894M
- Companywide policies in force +11% to 38,414k
Negative
- Pretax realized gains fell 82% to $32M
Details
News Market Reaction – PGR
In the Dec 17 session, PGR declined 1.96%, reflecting a mild negative market reaction.
Data tracked by StockTitan Argus on the day of publication.
Key Figures
- Net premiums written
- $6,193M
- November 2025 vs $5,563M November 2024 (11% increase)
- Net premiums earned
- $6,894M
- November 2025 vs $6,040M November 2024 (14% increase)
- Net income
- $958M
- November 2025 vs $1,006M November 2024 (5% decrease)
- EPS (diluted)
- $1.63
- Per share available to common shareholders vs $1.71 in November 2024 (5% decrease)
- Realized gains on securities
- $32M
- Total pretax net realized gains vs $175M November 2024 (82% decrease)
- Combined ratio
- 87.1
- November 2025 vs 85.6 November 2024 (up 1.5 points)
- Total Personal Lines policies
- 37,218K
- Policies in force November 30, 2025 vs 33,595K 2024 (11% increase)
- Companywide policies
- 38,414K
- Policies in force November 30, 2025 vs 34,739K 2024 (11% increase)
Historical Context
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Expanded Best Egg loan access within Progressive’s customer ecosystem.
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Declared annual and quarterly dividends with 2026 record and payment dates.
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October premiums and earnings rose with better combined ratio year over year.
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Keys to Progress program donated 100 vehicles to veterans nationwide.
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Announced November investor relations call and related Q3 filing timing.
24h Move is the share-price change in the day after each event; other market factors may also have contributed.
Key Terms
combined ratio financial
policies in force financial
AI-generated analysis. How Rhea-AI works. Not financial advice.
MAYFIELD VILLAGE, OHIO, Dec. 17, 2025 (GLOBE NEWSWIRE) -- The Progressive Corporation (NYSE:PGR) today reported the following results for the month ended November 30, 2025:
| November | |||||||||
| (millions, except per share amounts and ratios; unaudited) | 2025 | 2024 | Change | ||||||
| Net premiums written | $ | 6,193 | $ | 5,563 | 11 | % | |||
| Net premiums earned | $ | 6,894 | $ | 6,040 | 14 | % | |||
| Net income | $ | 958 | $ | 1,006 | (5 | ) | % | ||
| Per share available to common shareholders | $ | 1.63 | $ | 1.71 | (5 | ) | % | ||
| Total pretax net realized gains (losses) on securities | $ | 32 | $ | 175 | (82 | ) | % | ||
| Combined ratio | 87.1 | 85.6 | 1.5 | pts. | |||||
| Average diluted equivalent common shares | 588.0 | 587.7 | 0 | % | |||||
| November 30, | |||||
| (thousands; unaudited) | 2025 | 2024 | % Change | ||
| Policies in Force | |||||
| Personal Lines | |||||
| Agency – auto | 10,713 | 9,700 | 10 | ||
| Direct – auto | 15,856 | 13,864 | 14 | ||
| Special lines | 6,992 | 6,516 | 7 | ||
| Property | 3,657 | 3,515 | 4 | ||
| Total Personal Lines | 37,218 | 33,595 | 11 | ||
| Commercial Lines | 1,196 | 1,144 | 5 | ||
| Companywide | 38,414 | 34,739 | 11 | ||
See Progressive’s complete monthly earnings release, including the "Monthly Commentary," for additional information.
About Progressive
Progressive Insurance® makes it easy to understand, buy and use car insurance, home insurance, and other protection needs. Progressive offers choices so consumers can reach us however it’s most convenient for them — online at progressive.com, by phone at 1-800-PROGRESSIVE, via the Progressive mobile app, or in-person with a local agent.
Progressive provides insurance for personal and commercial autos and trucks, motorcycles, boats, recreational vehicles, and homes; it is the second largest personal auto insurer in the country, a leading seller of commercial auto, motorcycle, and boat insurance, and one of the top 15 homeowners insurance carriers.
Founded in 1937, Progressive continues its long history of offering shopping tools and services that save customers time and money, like Name Your Price®, Snapshot®, and HomeQuote Explorer®.
The Common Shares of The Progressive Corporation, the Mayfield Village, Ohio-based holding company, trade publicly at NYSE: PGR.
Company Contact:
Douglas S. Constantine
(440) 395-3707
investor_relations@progressive.com
The Progressive Corporation
300 North Commons Blvd.
Mayfield Village, Ohio 44143
http://www.progressive.com
Download PDF: Progressive November 2025 Complete Earnings Release
FAQ
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