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Molina Healthcare (MOH) investor relations material
Molina Healthcare Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary24 Jul, 2025
Executive summary
Adjusted EPS for Q2 2025 was $5.48, down 6% year-over-year; GAAP EPS was $4.75, down 8% year-over-year, reflecting higher medical costs and interest expense despite revenue growth.
Premium revenue grew 15% year-over-year to $10.9B, driven by new contracts, acquisitions, and rate increases.
Membership reached 5.7 million as of June 30, 2025, up 3% year-over-year, led by Marketplace growth and the ConnectiCare acquisition.
Full-year 2025 premium revenue guidance remains at ~$42B; adjusted EPS guidance revised down to no less than $19.00, $5.5 below initial guidance.
Management cites persistent medical cost trend dislocation as the main earnings pressure.
Financial highlights
Q2 2025 total revenue was ~$11B; premium revenue $10.9B; adjusted EPS $5.48.
Consolidated MCR for Q2 2025 was 90.4%, up from 88.6% year-over-year.
Q2 2025 net income was $255M; diluted EPS $4.75; operating income $373M; pre-tax margin 2.8%.
G&A ratio for Q2 2025 was 6.2%, improved from 7.0% year-over-year.
Operating cash flow for the first half of 2025 was an outflow of $112M, mainly due to timing of government receivables and settlements.
Outlook and guidance
Full-year 2025 premium revenue guidance unchanged at ~$42B; adjusted EPS floor set at $19.00.
Full-year consolidated MCR guidance increased to 90.2%, mainly due to Marketplace segment pressures.
Medicaid full-year MCR guidance raised to 90.9%; Medicare MCR to 90.0%; Marketplace MCR to 85.1%.
G&A ratio for 2025 guided to 6.6%, improved by 30 bps from prior guidance.
Regulatory changes (OBBBA, HHS rules) expected to reduce Medicaid and Marketplace enrollment over time, but limited near-term financial impact.
Why did cash and investments decrease from Dec '24?
Explain the '25 Marketplace MCR, excluding items.
Detail drivers behind the revised 2025 earnings guidance.
Detail drivers of elevated medical cost trend.
Explain 2026 Marketplace margin strategy.
Budget bill: Medicaid cadence and impact?
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Next Molina Healthcare earnings date
Q3 202523 Oct, 2025
Next Molina Healthcare earnings date
Q3 202523 Oct, 2025
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Frequently asked questions
Molina Healthcare Inc provides managed health care services under Medicaid and Medicare programs, as well as through the state insurance marketplaces. The company offers health plans and related services to low-income families and individuals across several U.S. states. It is headquartered in Long Beach, California, and its shares are listed on the NYSE.
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