Financial Highlights - Net revenues for Q3 2025 reached $4873 million, a 79% increase year-over-year[10] - Adjusted comparable store sales growth was 77% in Q3 2025[10] - Adjusted operating income for Q3 2025 was $198 million[10] - Adjusted diluted EPS for Q3 2025 was $013[10] - Year-to-date net revenues reached $148 billion, a 71% increase[13] - Year-to-date adjusted comparable store sales growth was 64%[13] - Year-to-date adjusted operating income was $849 million[13] - Year-to-date adjusted diluted EPS was $065[13] Store Count and Growth - The company ended Q3 2025 with 1242 stores, a 09% increase[23] - America's Best stores saw an 81% comparable store sales growth in Q3 2025, compared to 12% in Q3 2024[24] Fiscal 2025 Outlook - The company estimates the 53rd week of fiscal 2025 will contribute approximately $35 million to net revenue, and approximately $3 million to adjusted operating income[41] - Updated fiscal 2025 outlook projects net revenue between $1970 billion and $1988 billion[42]

Core Insights - Many individuals choose to retire at 65 when Medicare coverage begins, as it helps protect retirement savings from high medical costs [1] Healthcare Expenses Not Covered by Medicare - Common healthcare expenses that Medicare does not cover include routine dental care, vision exams, and long-term care [2][3] Dental Care - Routine dental care is not covered by Medicare, leading to potential unexpected costs for older Americans [3] - Average costs for dental services without insurance include: - Dental cleaning: $75 to $200 [4] - Filling for cavities: $50 to $150 for dental amalgam, $90 to $250 for composite resin or glass ionomer [4] - Root canal: approximately $1,165 [5] - Dentures: range from $350 to $12,450 depending on type [5] Vision Care - Medicare does not cover vision care, which can be expensive; average costs for routine eye exams are about $136 without insurance [6] - Retail chains offer lower prices, with Walmart Vision Centers starting at $75 and Sam's Club exams as low as $45 [6] - Average cost of prescription eyeglasses without insurance is around $350, varying based on frames and lenses [7] Long-term Care - Medicare does not cover long-term care costs, which may include home health aides, assisted living, or nursing homes, as these are not classified as medical services [7]

Financial Highlights - Net revenues for Q2 2025 reached $486.4 million, a 7.7% increase year-over-year[13, 24] - Adjusted comparable store sales growth was 5.9% in Q2 2025, driven by higher ticket prices[13, 24] - Adjusted operating income for Q2 2025 was $23.8 million[13] - Adjusted diluted earnings per share (EPS) for Q2 2025 was $0.18[13] - Year-to-date (YTD) net revenues reached $996.7 million, a 6.7% increase[16, 38] - YTD adjusted operating income was $65.1 million, a 35.7% increase compared to the same period in 2024[16, 41] - YTD adjusted diluted EPS was $0.52, compared to $0.44 in the same period of 2024[16, 39] Store Network - The company ended Q2 2025 with 1,240 stores, reflecting a 2.0% store count growth[29] - During Q2, 8 new America's Best stores were opened, and 5 America's Best stores were closed[29] Fiscal 2025 Outlook - The company updated its fiscal 2025 outlook, projecting net revenue between $1.934 billion and $1.970 billion[52] - Adjusted comparable store sales growth is expected to be between 3.0% and 5.0%[52] - Adjusted operating income is projected to be between $85 million and $95 million[52] - Adjusted diluted EPS is expected to be between $0.62 and $0.70, assuming approximately 80 million shares[52]