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Molina Healthcare, Inc. (MOH) stock analysis

MOHNYSEHospital & Medical Service PlansFiscal year ends December 31
Financials through Q3 FY2026, quarter ended Sep 30, 2026Last filing: 10-Q on Oct 22, 2026Score 5/30
$209.25+2.90 (+1.41%)

Close on Nov 11, 2026Market cap $10.92BP/E –Yield –

StockData Score

Prices as of Nov 11, 2026How the score works

Value1Growth2Performance0Health2Dividend0

Weak5 of 30 checks passed

Molina Healthcare passes 5 of the 30 checks behind our score; 10 could not be run for lack of data and count as not passed. Each dot in the shape is one check — hover it for the numbers.

Valuation
1/6
Growth
2/6
Past performance
0/6
Financial health
2/6
Dividend
0/6

What stands out

  • Revenue growing 10%+ a year

    Revenue grew 12.4% a year over the last three fiscal years.

  • Guidance raised

    Molina Healthcare raised its full year 2026 GAAP earnings outlook on Jul 22, 2026.

  • P/S below the industry

    Molina Healthcare's price-to-sales of 0.25 is below the Accident and Health Insurance and Medical median of 0.80.

  • Debt falling against equity

    Debt to equity fell from 101% five years ago to 90.8%.

What to watch

  • Return on equity under 15%

    Return on equity was -1.2% over the last twelve months and averaged 24.9% over five years; we look for 15% on both.

  • High debt

    Debt is 90.8% of shareholders' equity, above the 40% we consider low.

  • Earnings shrank over 5 years

    Net income shrank 6.8% a year on average over the last five fiscal years.

  • EPS growing under 10% a year

    Diluted EPS grew -13.0% a year over the last three fiscal years.

Valuation1/6

  • P/E against its history

    Not enough price and earnings history to compare.

  • P/E against the industry

    Needs positive earnings and enough profitable companies in the industry.

  • P/S below the industry

    Molina Healthcare's price-to-sales of 0.25 is below the Accident and Health Insurance and Medical median of 0.80.

  • P/B above the industry

    Molina Healthcare's price-to-book of 2.63 is above the Accident and Health Insurance and Medical median of 2.31.

  • Price against fair value

    We could not estimate a fair value: it needs at least two valuation methods with positive inputs.

  • Margin of safety

    Depends on the fair value estimate.

Growth2/6

  • Revenue growing 10%+ a year

    Revenue grew 12.4% a year over the last three fiscal years.

  • EPS growing under 10% a year

    Diluted EPS grew -13.0% a year over the last three fiscal years.

  • Earnings growth not accelerating

    Net income grew -105% over the last twelve months, against a 5-year average of -6.8% a year.

  • Growing slower than the industry

    Revenue grew -0.9% over the last twelve months; the Accident and Health Insurance and Medical median is 6.8%.

  • Guidance raised

    Molina Healthcare raised its full year 2026 GAAP earnings outlook on Jul 22, 2026.

  • Gross margin slipping

    Gross margin was 12.6% over the last twelve months, against 13.9% a year earlier.

Past performance0/6

  • Return on equity under 15%

    Return on equity was -1.2% over the last twelve months and averaged 24.9% over five years; we look for 15% on both.

  • Return on assets under 1%

    Return on assets was -0.3%; for a bank or insurer, 1% or more is considered good.

  • Return on equity below the industry

    Molina Healthcare's return on equity of -1.2% is below the Accident and Health Insurance and Medical median of 11.9%.

  • Earnings shrank over 5 years

    Net income shrank 6.8% a year on average over the last five fiscal years.

  • Net margin below its 5-year average

    Net margin was -0.1% over the last twelve months, against a 5-year average of 2.4%.

  • Net margin below the industry

    Molina Healthcare's net margin of -0.1% is below the Accident and Health Insurance and Medical median of 2.0%.

Financial health2/6

  • High debt

    Debt is 90.8% of shareholders' equity, above the 40% we consider low.

  • Debt falling against equity

    Debt to equity fell from 101% five years ago to 90.8%.

  • Debt not well covered by cash flow

    Operating cash flow over the last twelve months equals 8.8% of total debt; we look for at least 20%.

  • Interest not well covered

    Operating income covers interest expense 0.8 times; we look for at least 5.

  • Short-term assets cover short-term debts

    Current assets are 1.69 times current liabilities.

  • Bankruptcy risk (Altman Z)

    The Altman model does not apply to insurers.

Dividend0/6

  • No dividend

    Molina Healthcare has not paid a dividend in the last twelve months.

  • Yield against Treasuries

    No dividend.

  • Yield against the market

    No dividend.

  • Dividend stability

    No dividend.

  • Earnings cover

    No dividend.

  • Cash-flow cover

    No dividend.

Scores of similar companies

Fair value

How we estimate it

We don't publish a fair value for Molina Healthcare. It needs a US-dollar share price, at least two valuation methods with positive inputs (earnings, EBITDA, book value or sales) and, for companies with several share classes, classes that trade at the same price.

Valuation over time

Using the earnings and balance sheet published at each date, not today's.

  • P/E at month end
  • Own 5-year median 20.3
  • Accident and Health Insurance and Medical median 21.3

An estimate from reported numbers and market multiples, not a price target or investment advice. It can be far off for companies whose profits are about to change sharply.

Market risk

From the past year of daily prices.

Liquidity

Low risk

Average value traded per day
$195.53M
Value traded per 1% price move
$75.78M

Downside

High risk

Typical loss in a bad month
28.4%
Volatility (annualized)
51%
Sharpe ratio, 1 year
0.87
Beta to the S&P 500 (5Y)
0.25

Typical bad-month loss, week by week

25%: high

Margins

Share of revenue, fiscal years 2011 to 2025

Gross margin

13.1%+0.3 pts over 5 years

Operating margin

1.7%−3.8 pts over 5 years

Net margin

1.0%−2.4 pts over 5 years

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