<span item_type="fundamental" item_id="75e7e293a0f18dd01b8775b593b0eaa3" counter_id="ST/US/PGR" env="prod"></span><span item_type="announcement" item_id="571798118300451969" env="prod"></span><p>notice_summary_ytd.revenue.</p><p>notice_summary_ytd.eps.</p><p></p><h3>Segment Revenue</h3><ul><li><strong>Net Premiums Written</strong>: For September 2025, net premiums written were $7,128 million, an 8% increase from $6,570 million in September 2024. For the quarter ended September 30, 2025, net premiums written were $21,384 million, a 10% increase from $19,455 million in the same period in 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/80661/000008066125000126/pgr20250930ex99earningsrel.htm"></span></li></ul><h3>Operational Metrics</h3><ul><li><strong>Net Income</strong>: For September 2025, net income was $305 million, a 48% decrease from $585 million in September 2024. For the quarter, net income was $2,615 million, a 12% increase from $2,334 million in the same period in 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/80661/000008066125000126/pgr20250930ex99earningsrel.htm"></span></li><li><strong>Combined Ratio</strong>: The combined ratio for September 2025 was 100.4, compared to 93.4 in September 2024, indicating a 7.0 point increase.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/80661/000008066125000126/pgr20250930ex99earningsrel.htm"></span></li></ul><h3>Cash Flow</h3><ul><li><strong>Operating Cash Flow</strong>: Not explicitly detailed in the provided data.</li><li><strong>Free Cash Flow</strong>: Not explicitly detailed in the provided data.</li></ul><h3>Unique Metrics</h3><ul><li><strong>Policies in Force</strong>: As of September 30, 2025, total policies in force were 38,078, a 12% increase from 33,869 as of September 30, 2024. Personal Lines policies increased by 13% to 36,880, and Commercial Lines policies increased by 6% to 1,198.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/80661/000008066125000126/pgr20250930ex99earningsrel.htm"></span></li></ul><h3>Outlook / Guidance</h3><ul><li>The company anticipates that its personal auto profit in Florida for the 2023 to 2025 period will exceed the statutory profit limit, necessitating a credit to policyholders. A $950 million policyholder credit expense was recorded in September 2025, with the liability expected to be refined through the end of the fourth quarter 2025.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/80661/000008066125000126/pgr20250930ex99earningsrel.htm"></span></li></ul>

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