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Progressive Corp (NYSE: PGR) CAO granted dividend RSU units

Filing Impact
(Neutral)
Filing Sentiment
(Neutral)
Form Type
4

Rhea-AI Filing Summary

Progressive Corp Chief Accounting Officer Carl G. Joyce received a grant of 0.9800 restricted stock units, acquired through the reinvestment of dividend equivalents. Each unit represents a contingent right to one common share, and these additional units will vest on the same schedule as the related RSU awards, bringing his direct RSU holdings to 2,250.3890.

Positive

  • None.

Negative

  • None.
Insider Joyce Carl G
Role Chief Accounting Officer
Type Security Shares Price Value
Grant/Award Restricted Stock Unit 0.98 $0.00 --
Holdings After Transaction: Restricted Stock Unit — 2,250.389 shares (Direct)
Footnotes (1)
  1. Each Restricted Stock Unit represents a contingent right to receive one Common Share of the Company's stock. These units, which were acquired upon the reinvestment of dividend equivalents, will vest at the same time as the Restricted Stock Units to which they relate. Expiration Date is the same as the Date Exercisable.
RSUs granted 0.9800 units Restricted stock units acquired via dividend equivalents on 2026-07-10
Total RSUs after transaction 2,250.3890 units Direct RSU holdings of Carl G. Joyce following the grant
Grant price per unit $0.0000 Compensation-related award with no cash paid by the insider
Restricted Stock Unit financial
"Each Restricted Stock Unit represents a contingent right to receive one Common Share"
A restricted stock unit is a promise from a company to give an employee shares of stock after certain conditions are met, like staying with the company for a set amount of time. It’s like earning a bonus that turns into company stock once you’ve proven your commitment, making it a way to motivate and reward employees.
dividend equivalents financial
"acquired upon the reinvestment of dividend equivalents, will vest at the same time"
Payments tied to employee or contractor equity awards that mirror the cash dividends paid on the company’s stock; they give the holder the same economic benefit as owning the shares without transferring actual shares—often paid in cash or additional award units when the award becomes payable. Investors care because these payments affect a company’s compensation costs, cash flow and potential share dilution, and they signal how management is being rewarded and aligned with shareholders.
contingent right financial
"represents a contingent right to receive one Common Share of the Company's stock"
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FAQ

What insider transaction did Progressive (PGR) report for Carl G. Joyce?

Progressive (PGR) disclosed that Chief Accounting Officer Carl G. Joyce received 0.9800 additional restricted stock units. These units were granted through dividend-equivalent reinvestment as part of equity compensation, rather than through any open-market purchase or sale of Progressive common shares.

How many restricted stock units does Carl G. Joyce hold after this PGR transaction?

Following the transaction, Carl G. Joyce directly holds 2,250.3890 restricted stock units. These RSUs represent his accumulated equity awards, including the new 0.9800 units received via dividend equivalents, and will convert into Progressive common shares as and when they vest.

What does each Restricted Stock Unit represent for Progressive (PGR)?

Each Restricted Stock Unit represents a contingent right to receive one Progressive common share. Joyce will only receive the underlying shares if the RSUs vest under their terms, aligning his compensation with the company’s long-term stock performance and service conditions.

How were Carl G. Joyce’s new RSUs at Progressive (PGR) obtained?

The additional 0.9800 RSUs were acquired through the reinvestment of dividend equivalents. Instead of paying cash dividends on unvested RSUs, Progressive credited equivalent value as additional units, increasing Joyce’s potential future share delivery when the RSUs vest.

When will Carl G. Joyce’s new RSUs at Progressive (PGR) vest?

The newly credited RSUs will vest at the same time as the Restricted Stock Units to which they relate. This means the dividend-equivalent units follow the original awards’ vesting schedule, keeping the timing of share delivery aligned across the entire RSU grant.
SEC Form 4
FORM 4UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940
OMB APPROVAL
OMB Number:3235-0287
Estimated average burden
hours per response:0.5
Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).
Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.
1. Name and Address of Reporting Person*
Joyce Carl G

(Last)(First)(Middle)
300 NORTH COMMONS BLVD.

(Street)
MAYFIELD VILLAGE OHIO 44143

(City)(State)(Zip)

UNITED STATES

(Country)
2. Issuer Name and Ticker or Trading Symbol
PROGRESSIVE CORP/OH/ [ PGR ]
5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)
Director10% Owner
XOfficer (give title below)Other (specify below)
Chief Accounting Officer
2a. Foreign Trading Symbol
3. Date of Earliest Transaction (Month/Day/Year)
07/10/2026
6. Individual or Joint/Group Filing (Check Applicable Line)
XForm filed by One Reporting Person
Form filed by More than One Reporting Person
4. If Amendment, Date of Original Filed (Month/Day/Year)

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3) 2. Transaction Date (Month/Day/Year)2A. Deemed Execution Date, if any (Month/Day/Year)3. Transaction Code (Instr. 8) 4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5) 5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4) 6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4) 7. Nature of Indirect Beneficial Ownership (Instr. 4)
CodeVAmount(A) or (D)Price
Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned
(e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3) 2. Conversion or Exercise Price of Derivative Security 3. Transaction Date (Month/Day/Year)3A. Deemed Execution Date, if any (Month/Day/Year)4. Transaction Code (Instr. 8) 5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5) 6. Date Exercisable and Expiration Date (Month/Day/Year)7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4) 8. Price of Derivative Security (Instr. 5) 9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4) 10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4) 11. Nature of Indirect Beneficial Ownership (Instr. 4)
CodeV(A)(D)Date ExercisableExpiration DateTitleAmount or Number of Shares
Restricted Stock Unit(1)07/10/2026A0.98 (2) (3)Common0.98$02,250.389D
Explanation of Responses:
1. Each Restricted Stock Unit represents a contingent right to receive one Common Share of the Company's stock.
2. These units, which were acquired upon the reinvestment of dividend equivalents, will vest at the same time as the Restricted Stock Units to which they relate.
3. Expiration Date is the same as the Date Exercisable.
/s/ Allyson L. Bach, By Power of Attorney07/14/2026
** Signature of Reporting PersonDate
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.
* Form 4: SEC 1474 (03-26)