CNCHIGH SIGNALFINANCIAL10-K

CNC experienced a dramatic operational collapse with operating income swinging from $3.2B profit to -$7.6B loss despite 19% revenue growth.

This represents a catastrophic deterioration in operational performance, with the company burning through profitability at an alarming rate while simultaneously reducing share buybacks by 85%. The massive operating loss combined with declining gross margins suggests severe cost structure problems or major one-time charges that require immediate investigation.

Comparing 2026-02-17 vs 2025-02-18View on EDGAR →
FINANCIAL ANALYSIS

Despite strong 19% revenue growth to $194.8B, CNC's financial performance collapsed with operating income plunging from $3.2B to -$7.6B and net income turning negative at -$6.7B. While cash position improved to $17.9B and operating cash flow surged to $5.1B, the company dramatically reduced share buybacks by 85% and saw stockholders' equity decline 24%. This stark contrast between strong cash generation and massive operating losses suggests either significant one-time charges or fundamental operational deterioration that investors must scrutinize carefully.

FINANCIAL STATEMENT CHANGES
Operating Cash Flow
Cash Flow
+3203.9%
$154.0M$5.1B

Operating cash flow surged 3203.9% — exceptional cash generation, highest quality earnings signal.

Operating Income
P&L
-340.1%
$3.2B-$7.6B

Operating income deteriorated sharply — investigate whether driven by one-time charges or structural cost issues.

Net Income
P&L
-301.9%
$3.3B-$6.7B

Net income declined 301.9% — review whether driven by operations, interest costs, or non-recurring items.

Share Buybacks
Cash Flow
-84.8%
$3.1B$475.0M

Buyback activity reduced 84.8% — capital being redeployed elsewhere or cash conservation underway.

Cash & Equivalents
Balance Sheet
+27.2%
$14.1B$17.9B

Cash grew 27.2% — improving liquidity position supports investment and shareholder returns.

Stockholders Equity
Balance Sheet
-24.4%
$26.4B$20.0B

Equity decreased 24.4% — buybacks or losses reducing book value, monitor solvency ratios.

Revenue
P&L
+19.4%
$163.1B$194.8B

Revenue growing 19.4% — solid top-line momentum, watch margins for quality of growth.

Gross Profit
P&L
-16.8%
$17.1B$14.2B

Gross margin compression — rising input costs, pricing pressure, or unfavorable product mix shift.

LANGUAGE CHANGES
NEW — 2026-02-17
PRIOR — 2025-02-18
ADDED
As of February 13, 2026, the registrant had 491,771 thousand shares of common stock issued and outstanding.
Management's Discussion and Analysis of Financial Condition and Results of Operations 44 Item 7A.
In particular, these statements include, without limitation, statements about our expected future operating or financial performance, changes in laws and regulations, market opportunity, expectations concerning pricing actions, competition, expected contract start dates and terms, expected activities in connection with completed and future acquisitions and dispositions, our investments and the adequacy of our available cash resources.
In addition, the year ended December 31, 2025, includes a tax benefit of $4 million, or $0.01 per share, related to tax adjustments on previously reported divestitures and impacts of the One Big Beautiful Bill Act (OBBBA).
(3) Reflects the $0.01 impact of using 494,502 thousand shares in the calculation of adjusted diluted EPS for the year ended December 31, 2025.
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REMOVED
As of February 14, 2025, the registrant had 496,044 thousand shares of common stock issued and outstanding.
Management's Discussion and Analysis of Financial Condition and Results of Operations 43 Item 7A.
In particular, these statements include, without limitation, statements about our expected future operating or financial performance, changes in laws and regulations (including but not limited to, renewal and modification of the enhanced advance premium tax credits associated with the Marketplace product), market opportunity, competition, expected contract start dates and terms, expected activities in connection with completed and future acquisitions and dispositions, our investments and the adequacy of our available cash resources.
Medical Management (USMM) due to the finalization of working capital adjustments of $13 million, or $0.02 per share ($0.02 after-tax) and costs related to the pharmacy benefits management (PBM) legal settlement of $6 million, or $0.01 per share ($0.00 after-tax).
The year ended December 31, 2022, includes tax expense of $107 million, or $0.18 per share, related to the Magellan Specialty Health divestiture and a $15 million, or $0.03 per share, tax benefit related to the RxAdvance impairment.
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