MOHHIGH SIGNALFINANCIAL10-K

Molina Healthcare experienced a dramatic deterioration in profitability and cash generation despite revenue growth, with net income falling 60% and operating cash flow swinging from positive $644M to negative $535M.

The massive cash flow swing of over $1.1 billion combined with a 60% decline in profitability suggests serious operational challenges or one-time events that investors need to understand immediately. The company also reduced its share count by 4 million shares while financial performance deteriorated, indicating potential capital allocation issues during a period of operational stress.

Comparing 2026-02-10 vs 2025-02-11View on EDGAR →
FINANCIAL ANALYSIS

While revenue grew a healthy 11.7% to $45.4B, all profitability metrics collapsed with net income dropping 60% to $472M and operating income falling 54% to $781M. Most alarming is the complete reversal in operating cash flow from positive $644M to negative $535M, representing a $1.2B adverse swing that signals either major working capital issues, significant one-time payments, or fundamental operational problems. This combination of revenue growth with collapsing profitability and cash generation is a major red flag requiring immediate investor attention.

FINANCIAL STATEMENT CHANGES
Operating Cash Flow
Cash Flow
-183.1%
$644.0M-$535.0M

Operating cash flow fell 183.1% — earnings quality concerns; investigate working capital changes and non-cash items.

Net Income
P&L
-60%
$1.2B$472.0M

Net income declined 60% — review whether driven by operations, interest costs, or non-recurring items.

Operating Income
P&L
-54.2%
$1.7B$781.0M

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

Revenue
P&L
+11.7%
$40.6B$45.4B

Revenue growing 11.7% — solid top-line momentum, watch margins for quality of growth.

LANGUAGE CHANGES
NEW — 2026-02-10
PRIOR — 2025-02-11
ADDED
As of February 6, 2026, approximately 51.5 million shares of the registrant s Common Stock, $0.001 par value per share, were outstanding.
Management s Discussion and Analysis of Financial Condition and Results of Operations 40 7A.
Our business footprint, as of December 31, 2025, is illustrated below.
FINANCIAL HIGHLIGHTS Year Ended December 31, 2025 2024 (In millions, except per-share amounts) Premium Revenue $ 43,052 $ 38,627 Total Revenue $ 45,426 $ 40,650 Medical Care Ratio ( MCR ) (1) 91.7 % 89.1 % Net Income $ 472 $ 1,179 Net Income per Diluted Share $ 8.92 $ 20.42 _______________________ (1) Medical care ratio represents medical care costs as a percentage of premium revenue.
The Other segment, which is insignificant to our consolidated results of operations, includes long-term services and supports consultative services in Wisconsin and the Molina Healthcare, Inc.
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REMOVED
As of February 7, 2025, approximately 55.5 million shares of the registrant s Common Stock, $0.001 par value per share, were outstanding.
Management s Discussion and Analysis of Financial Condition and Results of Operations 39 7A.
Our business footprint, as of December 31, 2024, is illustrated below.
FINANCIAL HIGHLIGHTS Year Ended December 31, 2024 2023 (In millions, except per-share amounts) Premium Revenue $ 38,627 $ 32,529 Total Revenue $ 40,650 $ 34,072 Medical Care Ratio ( MCR ) (1) 89.1 % 88.1 % Net Income $ 1,179 $ 1,091 Net Income per Diluted Share $ 20.42 $ 18.77 _______________________ (1) Medical care ratio represents medical care costs as a percentage of premium revenue.
The Other segment, which is insignificant to our consolidated results of operations, includes long-term services and supports consultative services in Wisconsin.
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