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Core Insights - Agilon Health (AGL) reported a quarterly loss of $0.27 per share, which was worse than the Zacks Consensus Estimate of a loss of $0.18, marking an earnings surprise of -50.00% [1] - The company generated revenues of $1.44 billion for the quarter ended September 2025, slightly surpassing the Zacks Consensus Estimate by 0.57%, but down from $1.45 billion a year ago [2] - Agilon shares have declined approximately 57.4% year-to-date, contrasting with the S&P 500's gain of 16.5% [3] Financial Performance - Over the last four quarters, Agilon has exceeded consensus EPS estimates only once [2] - The current consensus EPS estimate for the upcoming quarter is -$0.19 on revenues of $1.47 billion, and for the current fiscal year, it is -$0.56 on revenues of $5.82 billion [7] Market Outlook - The company's Zacks Rank is currently 3 (Hold), indicating expected performance in line with the market in the near future [6] - The Medical Services industry, to which Agilon belongs, is ranked in the bottom 43% of over 250 Zacks industries, suggesting potential challenges ahead [8]

Financial Data and Key Metrics Changes - For Q3 2025, the company reported revenue of $1.44 billion, a slight decrease from $1.45 billion in Q3 2024. The medical margin was negative $57 million, compared to negative $58 million in the same period last year. Adjusted EBITDA was negative $91 million, an improvement from negative $96 million in Q3 2024 [4][17][19] - The company reinitiated its 2025 guidance, expecting revenue between $5.81 billion and $5.83 billion, with a medical margin projected between negative $5 million and negative $15 million, and adjusted EBITDA guidance ranging from negative $270 million to negative $245 million [6][22][23] Business Line Data and Key Metrics Changes - Medicare Advantage membership at the end of Q3 2025 was 503,000, down from 525,000 in Q3 2024. ACO REACH membership decreased to 115,000 from 132,000 in the same period [17] - The company experienced a negative impact of $20 million from exited markets during the quarter [18] Market Data and Key Metrics Changes - The company noted that the 2025 risk adjustment scores were lower than expected, impacting revenue by approximately $150 million for the full year. This was primarily driven by one payer in a new market [18] - The company expects to end 2025 with approximately $310 million in cash, including about $65 million held off-balance sheet by ACO entities [23][28] Company Strategy and Development Direction - The company is focused on executing strategic initiatives aimed at improving contract economics, reducing risk, and optimizing cost structures. It anticipates a $30 million reduction in operating expenses for 2026 [16][24] - The company is taking a disciplined approach to payer contracting, which includes reducing Part D exposure and enhancing quality incentives [9][26] Management's Comments on Operating Environment and Future Outlook - Management expressed optimism for 2026, citing several tailwinds such as a 9% benchmark rate increase and better-aligned payer contracts. They believe these factors will drive material improvement in performance [24][25] - The leadership team is actively engaged in improving performance and is committed to enhancing Agilon's position for sustainable value creation [15][29] Other Important Information - The company is currently in the process of searching for a new CEO, with a focus on candidates who align with the company's new strategic direction [15][36] - The company plans to pursue a reverse stock split and seek stockholder approval at the annual general meeting in 2026 [28] Q&A Session Summary Question: Impact of ACO REACH changes on EBITDA - Management acknowledged that changes to the ACO REACH program would lead to lower economics but still contribute positively to margins. They are reviewing ACOs to determine better models for 2026 [30][31] Question: Potential market exits and payer contracts - Management confirmed a disciplined approach to contracting, indicating that they would not engage with payers if the economics do not make sense. Any reduction in membership would benefit medical margins and EBITDA [32][33] Question: Update on CEO search - The search for a new CEO is ongoing, with good candidates emerging. Management emphasized active engagement in improving business performance during this transition [35][36] Question: Medical cost trends in Q3 - Management noted that inpatient and Part B oncology drug costs remain high, but overall medical cost trends have restated favorably [36] Question: Cash allocation to ACO REACH entities - The company clarified that there is no minimum cash requirement for ACO REACH entities, but maintaining cash there provides tax efficiencies [37] Question: Changes in provider contracts - Management stated that there are no significant changes to provider contracts, but they are aligning incentives with physician partners to achieve operating savings [45][46] Question: Impact of Humana's focus on benefit stability - Management indicated that they analyze benefit designs from all payers, including Humana, as part of their contracting process [52][53]

Q3 2025 Financial Performance - Medicare Advantage Members totaled 503,000[11] - Total Members Live on Platform reached 618,000[11] - Total Revenues amounted to $1,435 million[11] - The company experienced a Gross Loss of $68 million[11] - Adjusted EBITDA resulted in a loss of $91 million[11] 2025 Financial Outlook - Total Revenues are projected to be between $5,810 million and $5,830 million[12] - Medical Margin is expected to range from a loss of $5 million to a profit of $15 million[12] - Adjusted EBITDA is forecasted to be a loss between $270 million and $245 million[12] Key Factors Affecting Performance - A $73 million impact from risk adjustment revenue in Q3, including a 9-month true-up for 28% of membership not in Q2 results[6] - Lower profitability of $20 million in Q3 from exited markets[6] - The company anticipates $30 million in cost reduction impact in 2026 from OPEX cost initiatives[13]

Financial Performance - Total revenue for the nine months ended September 30, 2025, was $4.4 billion, a decrease of 4% from the same period in 2024[95] - Gross profit for the third quarter of 2025 was negative $68 million, compared to negative $64 million in the third quarter of 2024[97] - Net loss for the third quarter of 2025 was $110 million, an improvement from a net loss of $118 million in the third quarter of 2024[97] - Adjusted EBITDA loss for the nine months ended September 30, 2025, was $154 million, compared to a loss of $70 million in the same period of 2024[103] - Medical margin for the nine months ended September 30, 2025, was $18 million, down from $205 million in the same period of 2024[103] - Adjusted EBITDA for the nine months ended September 30, 2025, was $(154.3) million, compared to $(70.2) million for the same period in 2024, reflecting a significant increase in operating losses[148] Membership and Services - Medicare Advantage members totaled approximately 502,800 as of September 30, 2025, reflecting a 4% decrease from September 30, 2024[97] - The average Medicare Advantage membership during the third quarter of 2025 was 510,400[99] - Medical services revenue for the three months ended September 30, 2025 was $1,432,437, a decrease of $15,260 or 1% compared to the same period in 2024[126] - Medical services revenue for the nine months ended September 30, 2025 was $4,354,355, a decrease of $174,116 or 4% compared to the same period in 2024[128] - Medical services expense for the three months ended September 30, 2025 was $1,489,479, a decrease of $16,471 or 1% compared to the same period in 2024[129] - Medical services expense for the nine months ended September 30, 2025, increased by $12.7 million, or 0%, compared to the same period in 2024, primarily due to a 5% increase in average medical services expense per member, offset by a 4% decline in average membership[130] Operational Strategies - The company implemented a payor data pipeline in Q1 2025 to enhance visibility into member risk profiles and risk adjustment factors[100] - The company aims to empower primary care physicians to manage health outcomes and total healthcare needs of their attributed Medicare patients[92] - The business model focuses on forming risk-bearing entities within local geographies to manage total healthcare needs through global capitation arrangements[92] Expenses and Cash Flow - Total expenses for the three months ended September 30, 2025 were $1,566,595, compared to $1,584,440 for the same period in 2024[125] - General and administrative expenses for the three months ended September 30, 2025 were $56,198, compared to $63,123 for the same period in 2024[125] - General and administrative expenses for the nine months ended September 30, 2025, decreased by $30.7 million, or 15%, compared to the same period in 2024[134] - For the nine months ended September 30, 2025, the net cash used in operating activities was $85.2 million, an increase of $11.0 million compared to $74.2 million for the same period in 2024[159] - Net cash provided by investing activities was $66.0 million for the nine months ended September 30, 2025, a decrease of $50.2 million compared to $116.2 million for the same period in 2024[160] - Net cash used in financing activities was $3.0 million for the nine months ended September 30, 2025, compared to $2.6 million for the same period in 2024[161] Equity and Financing - Income from equity method investments for the three months ended September 30, 2025, increased by $11.1 million, or 542%, compared to the same period in 2024[136] - Income from equity method investments for the nine months ended September 30, 2025, increased by $13.5 million, or 77%, compared to the same period in 2024[137] - The company may require additional financing in the future to fund working capital and pay obligations, which could dilute existing stockholders' ownership[156] - The Credit Facility includes a $100.0 million senior secured term loan and a $100.0 million senior secured revolving credit facility, with a maturity date of February 18, 2026[162] Discontinued Operations - Total discontinued operations for the nine months ended September 30, 2025, amounted to $14.0 million, a $24.5 million increase compared to losses from discontinued operations in the same period in 2024[140] Interest Rates - A hypothetical 100 basis point change in interest rates would not have a material impact on the company's interest expense[171]

Exhibit 99.1 agilon health Reports Third Quarter 2025 Results and Re-Establishes Full Year Outlook Continued Progress on Transformation Initiatives Including the Execution of $30 million in 2026 Operating Cost Reductions Westerville, O.H., November 4, 2025 – agilon health, inc. (NYSE: AGL), the trusted partner empowering physicians to transform health care in our communities, today announced results for the third quarter ended September 30, 2025 and provided a full-year 2025 outlook. "In the third quarter w ...

Core Viewpoint - Halper Sadeh LLC is investigating potential breaches of fiduciary duties by certain officers and directors of agilon health, inc. [1] Company Summary - The investigation focuses on whether the actions of agilon health's leadership have harmed shareholder interests [1] - Long-term shareholders of agilon stock may have the opportunity to pursue corporate governance reforms and seek financial remedies [1]

Core Viewpoint - Rosen Law Firm is investigating potential securities claims on behalf of shareholders of Agilon Health, Inc. due to allegations of materially misleading business information issued to the investing public [1]. Group 1: Company Performance - On August 4, 2025, Agilon Health reported its second quarter results, indicating that industry headwinds were more severe than previously anticipated [4]. - The company announced the suspension of its full-year 2025 financial guidance and related assumptions [4]. - Following this announcement, Agilon Health's stock experienced a significant decline of 51.5% on August 5, 2025 [4]. Group 2: Legal Actions - Rosen Law Firm is preparing a class action lawsuit seeking recovery of investor losses for those who purchased Agilon Health securities [2]. - Investors may be entitled to compensation without any out-of-pocket fees or costs through a contingency fee arrangement [2]. - Interested parties can join the prospective class action by submitting a form or contacting the firm directly [3]. Group 3: Rosen Law Firm's Credentials - Rosen Law Firm has a strong track record in securities class actions, having achieved the largest settlement against a Chinese company at the time [5]. - The firm has been ranked in the top 4 for securities class action settlements since 2013 and recovered hundreds of millions of dollars for investors, including over $438 million in 2019 alone [5]. - Founding partner Laurence Rosen was recognized as a Titan of Plaintiffs' Bar by Law360 in 2020 [5].

Core Viewpoint - Rosen Law Firm is investigating potential securities claims on behalf of shareholders of Agilon Health, Inc. due to allegations of materially misleading business information issued by the company [1]. Group 1: Investigation Details - The investigation is prompted by Agilon Health's announcement that it is suspending its previously issued full-year 2025 financial guidance and related assumptions, indicating that industry headwinds are more acute than expected [3]. - Following this announcement, Agilon Health's stock experienced a significant decline of 51.5% on August 5, 2025 [3]. Group 2: Class Action Information - Shareholders who purchased Agilon Health securities may be entitled to compensation through a class action lawsuit, with no out-of-pocket fees or costs due to a contingency fee arrangement [2]. - Interested investors can join the prospective class action by visiting the provided link or contacting the law firm directly [2]. Group 3: Rosen Law Firm's Credentials - Rosen Law Firm has a strong track record in securities class actions, having achieved the largest securities class action settlement against a Chinese company at the time and being ranked No. 1 for securities class action settlements in 2017 [4]. - The firm has recovered hundreds of millions of dollars for investors, securing over $438 million in 2019 alone [4].

Core Viewpoint - Rosen Law Firm is investigating potential securities claims on behalf of shareholders of Agilon Health, Inc. due to allegations of materially misleading business information issued by the company [1]. Group 1: Investigation and Legal Action - Shareholders who purchased Agilon Health securities may be entitled to compensation through a class action lawsuit without any out-of-pocket fees, as the Rosen Law Firm prepares to seek recovery of investor losses [2]. - The investigation follows a significant stock price drop of 51.5% on August 5, 2025, after Agilon Health suspended its full-year 2025 financial guidance, citing more acute industry headwinds than previously expected [3]. Group 2: Company Performance and Financial Guidance - On August 4, 2025, Agilon Health reported its second-quarter results and indicated that it was suspending its previously issued financial guidance for the full year 2025 [3].