Key Takeaways Cigna will report Q3 2025 results on Oct. 30, with EPS estimated at $7.70 on $67.16B in revenues.Evernorth revenues are projected to rise 9%, while pharmacy and fee income show double-digit growth.Premiums and medical customers are expected to decline, with margins pressured by higher costs.Global health insurance company The Cigna Group (CI) is set to report third-quarter 2025 results on Oct. 30, 2025, before the opening bell. The Zacks Consensus Estimate for the to-be-reported quarter’s earn ...

Molina Healthcare Inc. (NYSE:MOH) shares are trending on Thursday.Check out the current price of MOH stock here.MOH fell 19.34% to $157.39 in after-hours trading on Wednesday after the company posted its third-quarter earnings.Q3 Results Show Year-Over-Year DeclineThe California-based company reported third-quarter generally accepted accounting principles (GAAP) earnings of $1.51 per diluted share, down from $5.65 a year earlier. Adjusted earnings came in at $1.84 per share, compared with $6.01 in the same ...

Core Viewpoint - UnitedHealth Group is expected to report a significant decline in earnings for Q2 2025, with projected earnings per share of $4.94, representing a 27.4% decrease year-over-year, despite a revenue increase of 12.9% to $111.6 billion [1][2][8]. Financial Performance - The Zacks Consensus Estimate for UnitedHealth's total revenues for the current year is $448.53 billion, indicating a year-over-year rise of 12.1, while the earnings per share estimate is $21.38, reflecting a 22.7% decline from the previous year [3]. - The company has beaten earnings estimates in three of the last four quarters, with an average surprise of 1.2% [4]. - The earnings whisper model indicates a negative Earnings ESP of -13.10% and a Zacks Rank of 4 (Sell), suggesting a low probability of an earnings beat this quarter [5]. Revenue Drivers - Premium revenues are expected to grow by 13.4% year-over-year, supported by contributions from the UnitedHealthcare division [9]. - The total domestic commercial customers are projected to increase by 1.5%, with Medicare Advantage members expected to rise by 6.9% and Medicaid memberships by 3.3% [10]. - Service revenues from the Optum brand are anticipated to increase by 7%, while product revenues are expected to rise by 11% [11]. Cost and Margin Pressures - Rising medical costs and increased healthcare utilization, particularly in Medicare Advantage, are expected to elevate overall expenses by 14.1% year-over-year, impacting margins [12]. - The medical care ratio is projected to increase to 88.6%, up from 85.1% in the previous year, with medical costs expected to rise by 14.9% [13]. Stock Performance and Valuation - UnitedHealth's stock has declined by 42.2% year-to-date, underperforming the industry average decline of 34.3% and the S&P 500's growth of 7.6% [14]. - The current valuation of UnitedHealth is 12.58X forward 12-month earnings, above the industry average of 11.58X, indicating a stretched valuation despite the price drop [18]. Strategic Challenges - The company has been removed from major Russell growth indices due to declining stock price and growth profile, with rising medical costs and high-acuity patient volumes compressing margins [20]. - Recent leadership changes and regulatory risks surrounding the Optum Rx segment have further shaken investor confidence, leading to perceptions of UnitedHealth as a risky investment [21].

Core Viewpoint - UnitedHealth Group is facing challenges with rising medical costs and utilization, leading to a lowered earnings guidance for 2025, but its diversified business model and vertical integration provide resilience in a tough market [1][9][10]. Financial Performance - For Q1 2025, UnitedHealth reported earnings per share (EPS) of $7.20, missing consensus estimates by $0.09, while revenues grew 9.8% year-over-year to $109.58 billion, falling short of the $111.58 billion consensus [5]. - The Optum subsidiary generated 42% of the company's operating profits, with Q1 revenue of $63.9 billion, up 4.4% year-over-year [6]. - The medical care ratio (MCR) was reported at 84.8%, slightly up from 84.3% in Q1 2024, indicating a strong cost containment strategy [7]. Market Position and Sentiment - Despite negative sentiment towards health insurers due to rising costs, UnitedHealth is viewed as the best option in a challenging environment due to its integrated healthcare model [4]. - The stock has seen fluctuations, recovering from a low of $425.39 to a high of $606.36 in April 2025, but has recently faced a downturn due to lowered earnings guidance [2][16]. Future Outlook - The company has adjusted its full-year 2025 EPS guidance to a range of $26.00 to $26.50, significantly lower than the previous consensus of $29.72, primarily due to increased medical care activity [9]. - Management remains optimistic about growth, particularly in OptumRx, and anticipates an increase in Medicare Advantage (MA) plan membership by 800,000 in 2025 [10][13]. - The Center for Medicare and Medicaid Services (CMS) announced a 5.06% increase in MA plan reimbursements for 2026, which could serve as a positive catalyst for the company [12].