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Financial Data and Key Metrics Changes - The company reported a 5% decline in total adjusted EBITDA, primarily due to weaker performance in Mexico [6][9] - Adjusted net income for the quarter was PEN 58 million, with a 1% increase in FX-neutral consolidated revenue driven by Peru and Colombia [9][18] - Capacity utilization decreased by 3 percentage points to 64%, with a 1.5 percentage point increase in Peru offset by declines in Colombia and Mexico [9][10] Business Line Data and Key Metrics Changes - Peru's top line and EBITDA grew by 9% and 15% respectively, driven by an improving healthcare pricing mix and strong insurance MLR [7][18] - Colombia's revenue increased by 5%, supported by risk-sharing models, with adjusted EBITDA rising by 18% [19][18] - Mexico experienced a 12% decline in revenue, although surgery volumes and oncology services showed growth [11][12] Market Data and Key Metrics Changes - Peru accounted for over half of the company's revenues, with a solid growth trajectory [21] - Colombia's revenue share from Nueva EPS decreased from 20% to 13%, indicating successful diversification of payers [19][45] - Mexico's revenue decline was attributed to a slow recovery in volumes and non-operating impacts from system migrations [21][9] Company Strategy and Development Direction - The company aims to enhance its growth in Mexico through a partnership with Sojitz, focusing on co-investment opportunities [32][39] - Auna is committed to maintaining a leverage ratio below three times net debt to EBITDA while pursuing growth initiatives [28][32] - The Trecca project in Peru is expected to generate significant revenue, with a focus on expanding services to state beneficiaries [53][56] Management's Comments on Operating Environment and Future Outlook - Management expressed optimism for a recovery in Mexico in 2026, despite current challenges [8][32] - The company remains focused on improving operational efficiency and expanding its market presence in Peru and Colombia [30][31] - Management highlighted the importance of attracting and retaining healthcare talent in Mexico to drive growth [13][15] Other Important Information - The company successfully refinanced $765 million in debt, improving its debt profile and financial flexibility [27][28] - Auna's cash position at the end of the quarter was PEN 226 million, reflecting a 4.2% decrease from the beginning of the year [26] Q&A Session Summary Question: Could you explain the rationale for expanding in Mexico and how it aligns with your deleveraging goals? - Management emphasized that the partnership with Sojitz will help accelerate growth in Mexico while maintaining leverage targets [39][40] Question: Do you think a change in Colombia's leadership could ease pressures on EPSs? - Management indicated that while political changes may not yield immediate results, there are signs of stabilization in the Colombian healthcare sector [40][41] Question: What key KPIs should be tracked to confirm a recovery in 2026? - Management suggested monitoring occupancy, payer mix, and surgical productivity as indicators of recovery [61] Question: What is the nature of the $500 million investment plan in Mexico? - Management confirmed that the investment plan is related to the MOU with Sojitz and aims to drive significant top-line growth [72] Question: How is Auna managing insurance risk at a group level? - Management explained that risk is managed through continuous repricing and cost containment strategies [75][78] Question: Have the preferred payer network and bundled packages for corporates been launched? - Management confirmed that the preferred payer network has been launched and is continuously evolving [79][80]

Core Insights - GoHealth, Inc. will release its third quarter 2025 financial results on November 13, 2025, with a conference call scheduled for 8:00 a.m. (ET) to discuss the results [1] Company Overview - GoHealth is a leading health insurance marketplace focused on Medicare, aiming to simplify healthcare decisions for consumers [3] - The company utilizes a proprietary technology platform that employs machine-learning algorithms to match health plans to consumer needs, enhancing the enrollment process for millions of Medicare consumers [3]

Core Viewpoint - A lawsuit has been filed against Elevance Health, Inc. and certain senior executives for potential violations of federal securities laws, specifically related to the management of Medicaid benefits during the COVID-19 pandemic [1][2]. Group 1: Lawsuit Details - The lawsuit is pending in the U.S. District Court for the Southern District of Indiana, captioned Miller v. Elevance Health, Inc., et al., No. 25-cv-0092 [2]. - Investors who purchased Elevance common stock are encouraged to seek additional information and may have until July 11, 2025, to request to lead the case [2]. Group 2: Background on Medicaid Management - Elevance provides health insurance plans, including contracts with states to administer Medicaid benefits [3]. - The federal government paused the review of Medicaid eligibility during COVID-19, which resumed in 2023, leading to increased scrutiny of Medicaid members [3]. Group 3: Financial Implications - Elevance claimed to be monitoring cost trends related to the Medicaid redetermination process and believed their negotiated rates were adequate [4]. - However, the redetermination process resulted in a significant increase in the acuity and utilization of Medicaid members, which was not reflected in Elevance's financial guidance for 2024 [5]. Group 4: Stock Performance - Following Elevance's announcement on July 17, 2024, regarding increased Medicaid utilization, the stock price fell by $32.21, or nearly 6%, from $553.14 to $520.93 per share [6]. - On October 17, 2024, Elevance reported Q3 2024 results, missing EPS expectations by $1.33, or 13.7%, due to elevated medical costs in its Medicaid business, leading to a further decline in stock price by $52.61, or nearly 11%, from $496.96 to $444.35 per share [7].

Core Viewpoint - A lawsuit has been filed against Elevance Health, Inc. and certain senior executives for potential violations of federal securities laws, specifically related to the management of Medicaid benefits and financial disclosures [1][2]. Group 1: Lawsuit Details - The lawsuit is pending in the U.S. District Court for the Southern District of Indiana, captioned Miller v. Elevance Health, Inc., et al., No. 25-cv-0092 [2]. - Investors have until July 11, 2025, to request to be appointed to lead the case [2]. Group 2: Background on Medicaid Management - Elevance provides health insurance plans, including contracts with states to administer Medicaid benefits [3]. - The federal government paused Medicaid eligibility reviews during COVID, which resumed in 2023 [3]. Group 3: Allegations of Misrepresentation - Elevance claimed to be closely monitoring cost trends related to the Medicaid redetermination process and asserted that negotiated rates were adequate for the risk profiles of Medicaid patients [4]. - Contrary to these claims, the redetermination process led to a significant increase in the acuity and utilization of Elevance's Medicaid members, which was not reflected in the company's financial guidance for 2024 [5]. Group 4: Stock Price Impact - On July 17, 2024, Elevance announced an expectation of increased Medicaid utilization, resulting in a stock price decline of $32.21 per share, nearly 6%, from $553.14 to $520.93 [6]. - Following the Q3 2024 financial results announcement on October 17, 2024, which revealed a miss in EPS expectations by $1.33 (13.7%) due to elevated medical costs, the stock price fell by $52.61 per share, nearly 11%, from $496.96 to $444.35 [7].

Core Viewpoint - A securities class action lawsuit has been filed against Elevance Health, Inc. for alleged misrepresentation of financial conditions during the Class Period from April 18, 2024, to October 16, 2024 [1][2]. Company Overview - Elevance Health, Inc. is a healthcare company based in Indianapolis, providing health insurance plans and administering Medicaid benefits for eligible beneficiaries [3]. Allegations and Financial Impact - The lawsuit claims that Elevance misled investors regarding the monitoring of cost trends related to the Medicaid "redetermination" process and assured that premium rates were sufficient to cover rising costs [4]. - It was revealed that the redetermination process led to a significant increase in the utilization of Medicaid members, as healthier members were being removed from the program, which was not reflected in Elevance's financial guidance [5]. - On July 17, 2024, Elevance disclosed an expected increase in Medicaid utilization, resulting in a stock price drop of $32.21 per share, or 5.8%, closing at $520.93 [6]. - On October 17, 2024, Elevance reported Q3 2024 earnings, missing EPS expectations by $1.33, or 13.7%, due to elevated medical costs in its Medicaid business, and lowered EPS guidance for 2024 from $37.20 to $33.00, or 11.3% [7]. - Following this announcement, Elevance's stock price fell by $52.61 per share, or 10.6%, closing at $444.35 [8].

Core Viewpoint - A lawsuit has been filed against Elevance Health, Inc. and certain senior executives for potential violations of federal securities laws, specifically related to the management of Medicaid benefits during the COVID-19 pandemic [1][2]. Group 1: Lawsuit Details - The lawsuit is pending in the U.S. District Court for the Southern District of Indiana, captioned Miller v. Elevance Health, Inc., et al., No. 25-cv-0092 [2]. - Investors who purchased Elevance common stock are encouraged to seek additional information and may request to be appointed to lead the case by July 11, 2025 [2]. Group 2: Company Operations and Allegations - Elevance provides health insurance plans, including contracts with states to administer Medicaid benefits, which were paused during COVID-19 but resumed in 2023 [3]. - The company claimed to be monitoring cost trends related to the Medicaid redetermination process and believed its negotiated rates were adequate for the risk profiles of Medicaid patients [4]. - However, the redetermination process led to a significant increase in the acuity and utilization of Elevance's Medicaid members, which was not reflected in the company's financial guidance for 2024 [5]. Group 3: Stock Performance and Financial Impact - Following a statement on July 17, 2024, regarding increased Medicaid utilization, Elevance's stock price fell by $32.21, nearly 6%, from $553.14 to $520.93 per share [6]. - On October 17, 2024, Elevance reported Q3 2024 results, missing EPS expectations by $1.33 (13.7%) due to elevated medical costs in its Medicaid business, resulting in a stock price decline of $52.61, nearly 11%, from $496.96 to $444.35 per share [7].

Core Viewpoint - A lawsuit has been filed against Elevance Health, Inc. and certain senior executives for potential violations of federal securities laws, specifically related to the company's handling of Medicaid eligibility redeterminations and its financial disclosures [1][2]. Group 1: Lawsuit Details - The lawsuit is pending in the U.S. District Court for the Southern District of Indiana, captioned Miller v. Elevance Health, Inc., et al., No. 25-cv-0092 [2]. - Investors who purchased Elevance common stock are encouraged to seek additional information and may request to be appointed to lead the case by July 11, 2025 [2]. Group 2: Company Operations and Allegations - Elevance provides health insurance plans, including contracts with states to administer Medicaid benefits, which were paused during COVID but resumed in 2023 [3]. - The company claimed to be monitoring cost trends related to the Medicaid redetermination process and believed its negotiated rates were adequate for the risk profiles of Medicaid patients [4]. - Contrary to these claims, the redetermination process led to a significant increase in the acuity and utilization of Elevance's Medicaid members, which was not reflected in the company's financial guidance for 2024 [5]. Group 3: Stock Performance and Financial Impact - Following Elevance's announcement on July 17, 2024, regarding increased Medicaid utilization, the stock price fell by $32.21, or nearly 6%, from $553.14 to $520.93 per share [6]. - On October 17, 2024, Elevance reported Q3 2024 results, missing consensus EPS expectations by $1.33, or 13.7%, due to elevated medical costs in its Medicaid business, resulting in a stock price decline of $52.61, or nearly 11%, from $496.96 to $444.35 per share [7].

Core Viewpoint - A securities class action lawsuit has been filed against Elevance Health, Inc. for alleged misrepresentation of financial guidance and cost trends related to Medicaid redetermination processes during the specified Class Period [1][4][5]. Company Overview - Elevance Health, Inc. is a healthcare company based in Indianapolis, Indiana, providing health insurance plans and administering Medicaid benefits for eligible beneficiaries [3]. Lawsuit Details - The lawsuit claims that Elevance misled investors by stating they were effectively monitoring cost trends and that premium rates negotiated with states were sufficient to cover rising Medicaid expenses [4]. - It is alleged that the company did not adequately reflect the impact of Medicaid redeterminations, which resulted in a higher utilization of Medicaid members who remained eligible, as those removed were generally healthier [5]. Investor Information - Investors who purchased Elevance securities during the Class Period have until July 11, 2025, to seek appointment as lead plaintiff representatives [2].

Core Viewpoint - A lawsuit has been filed against Elevance Health, Inc. and certain senior executives for potential violations of federal securities laws, specifically related to the management of Medicaid benefits during the COVID-19 pandemic [1][2]. Group 1: Lawsuit Details - The lawsuit is pending in the U.S. District Court for the Southern District of Indiana, captioned Miller v. Elevance Health, Inc., et al., No. 25-cv-0092 [2]. - Investors who purchased Elevance common stock are encouraged to seek additional information and may request to be appointed to lead the case by July 11, 2025 [2]. Group 2: Background on Medicaid Management - Elevance provides health insurance plans, including contracts with states to administer Medicaid benefits [3]. - The federal government paused the review of Medicaid eligibility during COVID, which resumed in 2023, leading to increased acuity and utilization among Elevance's Medicaid members [3][5]. Group 3: Financial Impact and Stock Performance - Elevance had previously stated it was monitoring cost trends related to Medicaid redetermination, but the actual increase in acuity and utilization was not reflected in its financial guidance for 2024 [4][5]. - Following announcements of increased utilization and missed earnings expectations, Elevance's stock price declined significantly: a drop of $32.21 per share (nearly 6%) on July 17, 2024, and a further decline of $52.61 per share (nearly 11%) on October 17, 2024 [6][7].