NYSE$PGR

Progressive Corp · Q4 2022 earnings

Q4 2022 earnings · · Investor relations

Briefing

Reported December results with a net income of $5.8 million and an EPS of $0.01.

Progressive reported a net income of $5.8 million, or $0.01 per share, for December 2022. Net premiums earned were $4.03 billion, and the combined ratio was 93.3. The company's total assets were $75.465 billion.

  • Net premiums written increased by 15% to $3.574 billion.
  • Net premiums earned increased by 12% to $4.030 billion.
  • The combined ratio was 93.3, a decrease of 1.3 points.
  • Net income decreased by 99% to $5.8 million.

Headline financials

Total Revenue

$12.9B

Previous: $11.6B+11.1%
EPS (adj)

$1.50

Previous: $1.05+42.9%
Capital Expenditures

$47M

Previous: $55.2M-14.9%
Free Cash Flow

$883M

Previous: $397M+122.4%
Net Income

$5.8M

Previous: $962M-99.4%
Operating Income

-$15.2M

No prior period
Gross Profit

$13.5B

Previous: $12.5B+7.8%
Cash & Equivalents

$23.5B

Previous: $202M+11545.5%
Total Assets

$75.5B

Previous: $71.1B+6.1%

Revenue & EPS history

Progressive · Revenue · Quarterly

$12.9B

Q4 2022+11.1%vs Q4 2021
Beat estimate in 9 of 15 quarters(60%)
ActualEstimate

Forward guidance

The company's fourth quarter Investor Relations conference call is scheduled for Tuesday, February 28, 2023. The company plans to post its 2022 Shareholders’ Report online and file its Annual Report on Form 10-K with the SEC on Monday, February 27, 2023. The company plans to release January results on Wednesday, February 15, 2023.

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 Q4 2022

Historical avgQ4 2022

+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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