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Mar 31

Centene Q1 2025 Earnings Report

Centene delivered robust revenue and earnings growth in Q1 2025, driven by strength in its Marketplace and Medicare businesses.

Key Takeaways

Centene saw significant top- and bottom-line growth in Q1 2025, with strong membership gains in the Marketplace and Medicare PDP segments, leading to an upward revision of full-year revenue guidance.

Total revenue rose to $46.62 billion in Q1 2025.

Adjusted EPS increased to $2.90, compared to $2.26 in Q1 2024.

Marketplace and Medicare PDP membership grew by 29% and 22%, respectively.

Guidance for 2025 premium and service revenue was raised by $6 billion.

Total Revenue
$46.6B
Previous year: $40.4B
+15.4%
EPS
$2.9
Previous year: $2.26
+28.3%
Health Benefits Ratio
87.5%
Previous year: 87.1%
+0.5%
SG&A Expense Ratio
7.9%
Previous year: 8.9%
-11.2%
Adjusted SG&A Expense Ratio
7.9%
Previous year: 8.7%
-9.2%
Cash and Equivalents
$14.8B
Previous year: $17.6B
-15.8%
Free Cash Flow
$1.38B
Previous year: -$607M
-326.5%
Total Assets
$87B
Previous year: $82.6B
+5.3%

Centene

Centene

Centene Revenue by Segment

Forward Guidance

Centene raised its 2025 premium and service revenue guidance to a range of $164B to $166B, citing strong enrollment performance in key segments.

Positive Outlook

  • Raised 2025 premium and service revenue guidance by $6.0 billion.
  • Marketplace premium revenue expected to grow by $5.0 billion.
  • Medicare Advantage to contribute $1.0 billion in additional revenue.
  • Maintained adjusted EPS guidance of greater than $7.25.
  • Strong enrollment momentum and member retention trends.

Challenges Ahead

  • Higher Medicaid HBR due to flu and similar illnesses.
  • Overall Medicaid membership declined year-over-year.
  • Marketplace segment carries a higher SG&A expense ratio.
  • Loss of TRICARE eligibles following contract termination.
  • One-time premium payment delay from a state partner affected cash flow timing.