NYSE$PGR

Progressive Corp · Q1 2024 earnings

Q1 2024 earnings · · Investor relations

Briefing

Progressive's financial performance for Q1 2024 demonstrated significant growth and profitability, driven by strong premium growth and improved underwriting results.

Progressive reported a net income of $2.33 billion for the first quarter of 2024, a substantial increase compared to $447.9 million in the same period last year. The company's combined ratio improved to 86.1, and net premiums written grew by 18% to $18.96 billion.

  • Net income for the first quarter reached $2.33 billion, a 421% increase year-over-year.
  • Net premiums written increased by 18% to $18.96 billion.
  • The combined ratio improved significantly to 86.1 from 99.0 in the prior year.
  • Earnings per share (EPS) available to common shareholders was $3.94, up from $0.75 in the previous year.

Headline financials

Total Revenue

$17.2B

Previous: $14.3B+20.5%
EPS

$3.94

Previous: $0.65+506.2%
Combined Ratio

86.1%

No prior period
Policies In Force

30.8M

No prior period
Capital Expenditures

-$50.2M

Previous: -$43.2M-16.2%
Free Cash Flow

$2.28B

Previous: $405M+463.7%
Net Income

$2.33B

Previous: $448M+420.5%
Operating Income

$14.1B

Previous: $11.3B+24.2%
Gross Profit

$16B

Previous: $13.2B+21.4%
Cash & Equivalents

$155M

Previous: $274M-43.6%
Total Assets

$94.1B

Previous: $80.4B+17.1%

Revenue & EPS history

Progressive · Revenue · Quarterly

$17.2B

Q1 2024+20.5%vs Q1 2023
Beat estimate in 9 of 15 quarters(60%)
ActualEstimate

Forward guidance

The company did not provide specific forward guidance in this release. The release focuses on reporting the results for March 2024 and the first quarter of 2024.

Historical earnings impact

How earnings announcements have historically affected this stock's price.

Avg. return before/after earnings

Based on 20 quarterly earnings reports · overlaid with Q1 2024

Historical avgQ1 2024

+0.0%

Avg return

Earnings day

-0.1%

Avg return

5 days after

+2.8%

Avg return

30 days after

52%

38 / 73 earnings

Positive

+9.6%

Q3 2023

Best reaction

-11.6%

Q2 2023

Worst reaction

Earnings price reactions
QuarterReport dateReaction (Day 0)+5 days+30 days
Q1 2026-2.2%+3.7%+1.6%
Q4 2025+2.1%-2.4%+2.7%
Q3 2025-5.9%-8.7%-6.3%
Q2 2025+0.7%+0.6%-0.4%
Q1 2025-0.4%-6.8%+3.6%
Q4 2024+0.6%+1.6%+15.1%
Q3 2024+1.4%-0.3%+2.2%
Q2 2024+2.0%+1.0%+9.1%
Q1 2024+2.1%+3.4%+6.7%
Q4 2023+4.5%+4.4%+12.3%
Q3 2023+9.6%+11.1%+11.9%
Q2 2023-11.6%-9.3%-3.2%
Q1 2023-8.3%-6.4%-9.9%
Q4 2022+4.4%+4.8%+9.8%
Q3 2022-4.5%-0.9%+4.0%
Q2 2022-1.8%-0.9%+8.4%
Q1 2022-3.7%-2.4%-5.3%
Q4 2021-1.5%-0.6%-1.9%
Q3 2021+0.5%+2.0%+5.9%
Q2 2021-1.3%-3.1%-1.4%
Q1 2021+1.6%+2.7%+10.2%
Q4 2020-3.5%-6.0%-6.3%
Q3 2020-2.8%-4.5%-4.6%
Q2 2020+3.1%+4.3%+5.3%
Q1 2020-1.7%+1.8%-5.3%
Q4 2019+7.0%+5.4%-4.3%
Q3 2019-4.7%-6.6%-2.8%
Q2 2019-3.5%-3.7%-7.9%
Q1 2019+5.4%+3.8%+7.7%
Q4 2018+3.1%+3.0%+14.2%
Q3 2018+6.6%+6.5%+0.1%
Q2 2018+3.4%+2.4%+11.3%
Q1 2018+0.4%+0.2%-0.9%
Q4 2017-2.3%-6.9%+1.2%
Q3 2017-1.8%-0.1%+5.3%
Q2 2017+0.5%+2.0%+6.7%
Q1 2017-1.7%-0.5%+5.1%
Q4 2016+3.9%+2.4%+6.7%
Q3 2016+3.3%+1.3%+4.9%
Q2 2016-0.5%-1.2%+2.1%
Q1 2016-3.8%
Q4 2015+4.2%
Q3 2015+2.7%
Q2 2015+1.9%
Q1 2015+1.6%
Q4 2014-0.1%
Q3 2014-1.8%
Q2 2014-3.0%
Q1 2014-1.4%
Q4 2013-2.9%
Q3 2013+1.3%
Q2 2013-0.2%
Q1 2013-0.2%
Q4 2012+1.5%
Q3 2012+1.7%
Q2 2012-2.8%
Q1 2012+0.4%
Q4 2011-0.1%
Q3 2011+3.8%
Q2 2011+0.6%
Q1 2011+0.3%
Q4 2010-3.4%
Q3 2010-2.2%
Q2 2010-0.2%
Q1 2009+4.0%
Q1 2010+0.6%
Q4 2007+0.5%
Q4 2009+0.5%
Q3 2008+4.0%
Q3 2009+4.0%
Q2 2009-3.5%
Q2 2008-3.5%
Q4 2008-3.5%

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