Toronto, Ontario--(Newsfile Corp. - February 25, 2026) - CareRx Corporation (TSX: CRRX) ("CareRx" or the "Company") today announced it will host a conference call to discuss its annual and fourth quarter 2025 financial results on Thursday, March 5, 2026, at 8:30 a.m. Eastern Time (ET). The Company expects to report its annual and fourth quarter 2025 financial results for the period ended December 31, 2025, after market close on Wednesday, March 4, 2026.Telephone Dial-In Access InformationTo dial direct and ...

Core Viewpoint - The article emphasizes the importance of conducting thorough research and independent verification before making investment decisions, highlighting the inherent risks and volatility associated with stock investments [2][3]. Group 1 - The article provides informational content but does not serve as an exhaustive analysis of any featured company [2]. - It clarifies that the predictions and opinions presented are based on a probabilistic approach rather than absolute certainty [2]. - The author has no financial interest in the companies mentioned, ensuring an unbiased perspective [1]. Group 2 - The article stresses that past performance is not indicative of future results, cautioning readers against relying solely on historical data [3]. - It notes that the views expressed may not reflect those of the platform as a whole, indicating a diversity of opinions among contributors [3]. - The article highlights that the analysts may not be licensed or certified, which could affect the reliability of the information provided [3].

Financial Data and Key Metrics Changes - SelectQuote reported a revenue growth of 12% year-over-year, totaling $537 million, driven by both Senior and healthcare services businesses [20][21] - Senior revenue grew 2% to $262 million, with adjusted EBITDA of $102 million, maintaining near record margins of 39% [22][23] - Healthcare services revenue increased by 26% year-over-year to $231 million, with membership growing 17% to 113,000 [24][25] - Operating cash flow for fiscal 2026 is expected to be between $25 million and $35 million, reflecting a significant increase compared to the previous year [30][32] Business Line Data and Key Metrics Changes - The Senior segment achieved an EBITDA margin of 39%, driven by strong marketing efficiency and agent productivity [21][22] - The healthcare services segment, particularly SelectRx, saw a 26% revenue increase, indicating strong demand and growth potential [24][25] - Life insurance revenue grew 9% to $44 million, with final expense premiums increasing by 24% [25] Market Data and Key Metrics Changes - The Medicare Advantage (MA) market is experiencing volatility due to carrier plan changes and terminations, impacting growth strategies [20][22] - Approximately 7% of total plans in force have been canceled by carriers in the past two seasons, compared to a historical average below 1% [12][13] Company Strategy and Development Direction - The company aims to prioritize profitability and cash flow over growth, leveraging its diversified model to navigate market challenges [19][60] - SelectQuote's strategy includes focusing on tenured agent retention and proactive engagement with policyholders to enhance service delivery [10][14] - The new $415 million credit facility enhances capital flexibility, allowing the company to capitalize on growth opportunities when market conditions are favorable [6][19] Management's Comments on Operating Environment and Future Outlook - Management expressed confidence in the long-term growth, profitability, and cash flow potential despite recent headwinds, including a $40 million aggregate impact from carrier actions [8][29] - The company remains focused on delivering high-quality service and maintaining strong customer retention rates in a challenging market environment [15][46] - Management anticipates continued dialogue with carriers regarding advance rate notices to address rising utilization and care costs [45] Other Important Information - SelectQuote's SelectRx service addresses inefficiencies in the medication system, contributing to improved health outcomes for seniors [17][18] - The company has made significant improvements in cash flow generation, with a focus on operational efficiency across both Senior and healthcare services divisions [30][32] Q&A Session Summary Question: Details on the PBM deal and its impact - Management confirmed that the new PBM arrangement provides stability and predictability, addressing the $20 million hit in fiscal 2026 as a one-time issue [35][36] Question: Risks of other carriers following the marketing budget cut pattern - Management indicated that the decision to cut marketing budgets was not unique to SelectQuote and expressed confidence in navigating through the challenges [38][39] Question: Opportunities for SelectQuote in the current market - Management highlighted the company's unique capabilities and efficiency, positioning it well to capture market share amid financial stress in the healthcare system [44][46] Question: Negotiating position with SelectRx due to scale - Management noted that the scale of SelectRx has enhanced its negotiating power, allowing for deeper partnerships and improved terms with PBM [65][66] Question: Incremental volume absorption at the Kansas facility - Management stated that the Kansas facility has significant capacity for expansion without requiring substantial new capital investment, supported by automation and technology initiatives [67][69]

Company Overview - Guardian Pharmacy Services was founded in 2004 by Fred Burke, David Morris, and Kendall Forbes, who have extensive experience in building and scaling healthcare services businesses, including a previous nuclear pharmacy platform that was sold [4]. Leadership Team - The leadership team includes Fred Burke as President and CEO, David Morris as Chief Financial Officer, and Ashley Stockton as Senior Director of Investor Relations [2][4]. Presentation Context - The presentation is part of a moderated Q&A session, indicating an interactive approach to discussing the company's future and financial outlook [1].

Guardian Pharmacy Services FY Conference Summary Company Overview - **Company**: Guardian Pharmacy Services (NYSE: GRDN) - **Founded**: 2004 - **Focus**: Long-term care pharmacy services, primarily for assisted living facilities (ALFs) - **Market Position**: Leader in the ALF market, which is the fastest-growing segment of the long-term care industry, supported by strong demographic trends [3][4] Industry Insights - **Market Size**: Approximately $7 billion in drug spend with 1 million residents in ALFs [8] - **Competitive Landscape**: Highly fragmented with many independent pharmacies as key competitors; Guardian holds a 13% market share nationally [9][10] - **Challenges**: ALFs lack dedicated medical staff for medication management, leading to complex drug regimens for residents [3][4] Business Model and Strategy - **Core Pillars**: 1. Multi-pronged growth strategy leveraging organic growth and M&A [4] 2. National scale enhancing profitability through data analytics [5] 3. Reinvestment in services and technology for competitive advantages [5] 4. Strong financial performance with a healthy balance sheet and virtually zero debt [5] 5. Experienced management team with significant ownership aligning with shareholders [6] Growth Strategy - **Organic Growth**: Focus on onboarding new ALFs and increasing adoption rates within existing facilities [11] - **M&A Strategy**: Targeting independent pharmacy operators with revenues of $10-30 million, aiming for collaborative growth [12][14] - **Integration Focus**: Enhancing operations through reimbursement management, margin tools, and purchasing platforms post-acquisition [13] Financial Performance - **CAGR**: Approximately 16% from 2012 to 2025 [18] - **Adjusted EBITDA**: Expected growth from $105 million in 2025 to $116.5 million in 2026, with margins projected to exceed 8% [22] - **Cash Flow**: Average cash conversion rate of approximately 60% after CapEx and tax payments [19] Regulatory Impact - **Inflation Reduction Act (IRA)**: Expected to impact margins by requiring sales of branded drugs at the manufacturer's fair price, necessitating coordination with payors to offset losses [20][21] Future Outlook - **2026 Guidance**: Revenue projected between $1.4 billion and $1.42 billion, with adjusted EBITDA between $115 million and $118 million [22] - **Market Opportunities**: Potential for significant growth given the 87% market share still available; focus on geographic expansion through M&A and greenfield startups [36][38] Competitive Advantages - **Data Analytics**: Proprietary platforms (Guardian Compass and Guardian Shield) used to optimize pharmacy operations and demonstrate value to partners [16][17] - **Cost Savings**: Over $41 million saved for residents through proper formulary management [17] Key Takeaways - **Employee Engagement**: Going public has enhanced employee motivation and belief in the company's growth potential [24][25] - **Underappreciated Aspects**: The importance of data analytics and operational support in improving clinical outcomes and profitability is still being communicated to investors [39][40] This summary encapsulates the key points from the Guardian Pharmacy Services FY Conference, highlighting the company's strategic positioning, growth opportunities, and financial outlook within the long-term care pharmacy industry.

Business Overview - Guardian Pharmacy Services focuses on the Assisted Living Facilities (ALF) market, which is estimated to be around $7 billion[14] - The company has a 13% market share nationwide in the ALF & Memory Care market[22, 23] - Guardian serves approximately 140,000+ ALF residents and 204,000+ total residents[22] - The company dispenses approximately 28 million prescriptions annually[22] Financial Performance - The company's revenue for 2025 is projected to be $1.44 billion[60, 84] - Adjusted EBITDA for 2025 is projected to be $104-$106 million[81] - The company anticipates an Adjusted EBITDA margin of over 8% in 2026[81] - The company's cash conversion rate is approximately 60% year-to-date as of September 30, 2025[69, 70] Growth Strategy - The company is expanding into adjacent and new underserved markets through greenfield startups[37] - The company is targeting acquisitions with revenues between $10 million and $30 million, serving approximately 2,000 to 3,500 residents[42] - The company is implementing initiatives to mitigate the impact of the Inflation Reduction Act (IRA)[76]

Core Insights - Avricore Health Inc. is expanding its HealthTab™ platform across North East London, adding 70 community pharmacy sites, building on successful NHS-linked cardiovascular programs with Barts Health NHS Trust [1][2] Company Strategy - The deployment reflects strong pharmacy engagement and increasing clinical demand, aligning with NHS priorities to shift care from hospitals to community settings [2][4] - Avricore's strategic focus on the UK demonstrates the scalability of HealthTab™ within complex NHS environments, positioning it for further growth in preventive and treatment-linked care pathways across England [4] HealthTab™ Platform - HealthTab™ is a comprehensive solution for community-based point-of-care testing (POCT) networks, integrating instruments, cloud software, standardized workflows, and training [5] - The platform ensures quality-assured testing and real-time analytics for public health reporting, reducing implementation complexity for participating sites [6] Quality Assurance - HealthTab™ meets high standards of analytical performance through a partnership with CEQAL Inc., ensuring a comprehensive quality management program [7] - The program includes centralized monitoring of reagents, internal quality-control procedures, and regular external quality-assessment events to support accuracy and consistency [8] Company Overview - Avricore Health Inc. focuses on acquiring and developing early-stage technologies to advance pharmacy practice and patient care, aiming to create the largest network of rapid testing devices in community pharmacies [9]

Group 1 - CVS Health Corporation is recognized as one of the 14 Best Pharma Dividend Stocks to Buy in 2026 [1] - Bernstein raised the price target for CVS to $87 from $86, maintaining a Market Perform rating, citing increased confidence in management and market leadership [2] - CVS raised its 2025 profit forecast, indicating progress in its turnaround plan and a focus on enhancing consumer experiences [3] Group 2 - The company launched a new consumer app aimed at integrating services and creating new revenue opportunities, following significant changes including cost-cutting and market exits [4] - CVS forecasts total revenue of at least $400 billion for 2026, which is below the analyst expectation of $419.26 billion, with growth anticipated from Aetna and CVS Caremark [5] - CVS operates as a diversified healthcare company with services in pharmacy, retail health, and long-term care [5]

Company Participation - Guardian Pharmacy Services, Inc. will participate in the 44th Annual J.P. Morgan Healthcare Conference in San Francisco, CA [1] - The company's leadership team will host investor meetings on January 14 and present at 4:30 p.m. PT on the same day [1] - A live audio webcast of the session will be available, with a replay accessible for 30 days after the event [1] Company Overview - Guardian Pharmacy Services is one of the leading long-term care pharmacy services companies in the nation [2] - The company partners with long-term care facilities to deliver medications and technology-enabled services aimed at enhancing care and improving adherence to drug regimens [2] - Guardian operates a network of over 53 pharmacies nationwide, serving close to 204,000 residents as of September 30, 2025 [2]

Company Overview - CareRx Corporation is Canada's leading provider of pharmacy services to seniors living and other congregate care communities, including long-term care homes, retirement homes, assisted living facilities, and group homes [2] - The company operates a national network of pharmacy fulfillment centers strategically located across Canada, enabling timely and cost-effective medication delivery [2] - CareRx utilizes advanced technology to automate the preparation and verification of multi-dose compliance packaging, ensuring high safety and adherence for individuals with complex medication regimens [2] Recent Developments - The Board of Directors of CareRx has declared a dividend of CAD$0.02 per outstanding common share, payable on January 21, 2026, to shareholders of record as of December 23, 2025 [1] - This dividend is classified as an "eligible dividend" for Canadian income tax purposes, with specific tax implications for non-residents and U.S. residents [1]