🔹 Revenue: $3.05B (Est. $2.87B) 🟢; +42% YoY
🔹 Net Income: $275.3M; +55% YoY
🔹 EPS (Diluted): $0.92 (Est. $0.81) 🟢
🔹 Adj EBITDA: $328.8M; +50% YoY
🔹 Medical Loss Ratio (MLR): 75.4% (vs. 74.2% Y/Y)
🔹 SG&A Expense Ratio: 15.8%
🔹 Membership: 2.04M; +41% YoY
↳ Individual & Small Group: 2.02M
↳ Cigna+Oscar: 17.9K (down from 61.4K)
🔸 Reaffirmed FY25 guidance. Management emphasized margin expansion and operating leverage due to membership growth and efficiency gains.
