The company said its consolidated revenues for Q3 2026 were $112.7 billion ($113.2 billion in the year-ago quarter), earnings from operations were $6.6 billion ($4.3 billion a year earlier), and its net margin was 3.6%.

1. 01

   The company said its consolidated revenues for Q3 2026 were $112.7 billion ($113.2 billion in the year-ago quarter), earnings from operations were $6.6 billion ($4.3 billion a year earlier), and its net margin was 3.6%.

2. 02

   The company said its medical care ratio for Q3 2026 was 88.4% (89.9% in the year-ago quarter). It attributed the ratio to net favorable prior period reserve development of $610 million related to dates of service in 2026.

3. 03

   The company said its diluted earnings per share for Q3 2026 were $4.56 and its adjusted earnings per share were $4.69. It expects full-year 2026 adjusted earnings of at least $20.50 per share, and the earnings release said it raised its guidance.

4. 04

   The company said cash flows from operations for Q3 2026 were $5.1 billion, or 1.2 times net income, and its debt-to-capital ratio was 41.7% as of September 30, 2026. It said it continues to target a long-term debt-to-capital ratio of approximately 40.0% by year-end.

Analysis scope · Filing body and confirmed press-release exhibitWe analyzed the opening part of the filing body and confirmed exhibits, within a length limit. This is not a review of other exhibits, investor presentations or the full earnings call.

AI summarized the filing and translated the summary into English; it may differ from the original. For reference only, not investment advice. AI translated the published Korean report into English. Figures are copied as filed, not recalculated.

Original filing

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