John Sauerland
Chief Financial Officer
Replay available
The Progressive Corporation (LSE: 0KOC) Q4 2025 earnings conference call, held 2026-03-03. Replay captured from the company's public earnings webcast.

Chief Financial Officer
Treasurer
Chief Investment Officer
Chief Executive Officer
Incoming Chief Financial Officer
Analyst, Morgan Stanley
Analyst, BMO Capital Markets
Analyst, Evercore ISI
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WEBVTT 00:00:00.031 -- 00:00:02.031 Which 00:00:02.375 -- 00:00:05.877 have been posted 00:00:08.544 -- 00:00:10.544 to 00:00:10.788 -- 00:00:12.788 the 00:00:25.151 -- 00:00:27.014 company's website. 00:00:27.014 -- 00:00:30.397 Thank you. Thank you. 00:00:32.605 -- 00:00:34.605 Thank 00:00:36.011 -- 00:00:38.011 you. 00:00:48.479 -- 00:00:51.982 As always, discussions in this event may include forward-looking statements. 00:00:51.982 -- 00:00:55.245 These statements are based on management's current expectations and are subject to many 00:00:55.245 -- 00:00:59.349 risks and uncertainties that could cause actual events and results to differ materially 00:00:59.349 -- 00:01:01.691 from those discussed during today's event. 00:01:01.691 -- 00:01:05.254 Additional information concerning those risks and uncertainties is available in our annual 00:01:05.254 -- 00:01:09.798 report on Form 10-K for the year ended December 31st, 2025, 00:01:09.798 -- 00:01:13.481 where you will find discussions of the risk factors affecting our business, safe harbor 00:01:13.481 -- 00:01:16.724 statements related to forward-looking statements, and other discussions of the challenges 00:01:16.724 -- 00:01:21.292 we face. These documents can be found via the investor relations section of our website 00:01:21.292 -- 00:01:23.452 at investors.progressive.com. 00:01:24.157 -- 00:01:27.584 To begin today, I'm pleased to introduce our CFO, John Sauerland, who will kick us off 00:01:27.584 -- 00:01:30.229 with some introductory comments. John? 00:01:30.229 -- 00:01:34.177 Thanks, Doug, and good morning, everyone. While we're already in March, I would like 00:01:34.177 -- 00:01:39.087 to take a couple of minutes to review the very strong year that we had in 2025. 00:01:39.087 -- 00:01:44.236 Followi...