- Revenue: $113.2B (Est. $113.156B) ✅; +12% YoY
- Adj EPS: $2.92 (Est. $2.84) ✅
- Earnings from Operations: $4.3B; -50% YoY
Raises FY25 Guidance:
- Adj EPS: at least $16.25 (Est. $16.22) ✅
- GAAP EPS: at least $14.90
Q3 UnitedHealthcare (Benefits):
- Revenue: $87.1B (Est. $86.72B) ✅; UP +16% YoY
- Operating Margin: 2.1%
- Consumers Served (U.S.): 50.1M; +795k YoY
Q3 Optum (Health Services)
- Revenue: $69.2B (Est. $67.52B) ✅; UP +8% YoY
- Optum Health Revenue: $25.9B; flat YoY
- Optum Insight Revenue: $4.9B; flat YoY
- Optum Rx Revenue: $39.7B; UP +16% YoY
- Optum Rx Adjusted Scripts: 414M (407M last year)
Other Metrics:
- Operating Cash Flow: $5.9B
- Medical Care Ratio (MCR): 89.9% (85.2% a year ago)
- Operating Cost Ratio: 13.5% (13.2% a year ago)
- Net Margin: 2.1%
- Debt-to-Capital Ratio (9/30/25): 44.1%
Comment:
🔸 "We remain focused on strengthening our performance and positioning for sustained and accelerated growth in 2026 and beyond, and our results this quarter reflect the solid execution of this objective."
🔸 Amedisys transaction completed on August 14, 2025; ongoing investments to support future growth.
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