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    AGL
    Earnings call· Jun 2026(Q2 FY26)

    agilon health Q2 FY26 earnings call AGL

    Aug 5, 2026 Source

    Executive summary

    Agilon Health Q2 FY26 — Strong Performance and Raised Full-Year Guidance

    Agilon Health delivered a strong Q2 FY26, surpassing guidance and raising its full-year outlook, driven by better-than-expected risk adjustment, moderating medical cost trends, and effective clinical programs. The company continues to strengthen its operating model, deepen physician partnerships, and leverage AI and data insights to improve patient outcomes and financial predictability. While focused on optimizing existing markets and disciplined growth, management acknowledges ongoing efforts to reduce performance variability and mature capabilities for a genuinely better healthcare system.

    Highlights

    5
    • Exceeded Q2 guidance for medical margin and adjusted EBITDA, with medical margin at $197 million and adjusted EBITDA at $70 million.

    • Raised full-year 2026 guidance for revenue to $5.8 billion, medical margin to $485 million, and adjusted EBITDA to $85 million.

    • Improved medical cost trend, with full-year 2025 cost trend estimated at 5.8% (down from 6.2%) and Q1 2026 trend in the low 6% range.

    • Stronger than expected performance of the Burden of Illness program, leading to a 3% year-over-year net risk adjustment increase.

    • ACO REACH program delivered $229 million in gross savings and an average quality score of 96% across eight ACOs for 2024.

    Concerns

    4
    • Medicare Advantage membership declined year-over-year to 437,000 members in Q2 2026 from 498,000 in Q2 2025, reflecting a disciplined, profitability-focused approach to contracting.

    • Medical cost trends, while moderating, are still high from a historical perspective, with Q2 2026 recorded at low 7% range due to prudent reserving.

    • Variability in performance across the PCP network needs to be reduced through operating programs and technology.

    • Markets are still maturing, and capabilities are still improving, indicating ongoing work to fully transform patient outcomes.

    Guidance & targets

    8
    CategoryTargetConfidence
    Full Year 2026 Revenue
    approximately $5.8 billion
    high materiality
    High
    Full Year 2026 Medical Margin
    approximately $485 million
    high materiality
    High
    Full Year 2026 Adjusted EBITDA
    approximately $85 million
    high materiality
    High
    Full Year 2026 ACO REACH Adjusted EBITDA Contribution
    $25 million and $30 million
    medium materiality
    High
    Year-end 2026 Cash and Marketable Securities
    at least $125 million
    medium materiality
    High
    Q3 2026 Revenue
    approximately $1.46 billion
    medium materiality
    High
    Q3 2026 Medical Margin
    approximately $110 million
    medium materiality
    High
    Q3 2026 Adjusted EBITDA
    break-even
    medium materiality
    High

    Operational metrics

    21
    Medicare Advantage Membership
    437,000down from 498,000 in Q2 2025
    Q2 2026

    Year-over-year decline reflects disciplined, profitability-focused approach to contracting in 2026 and measured approach to growth.

    ACO REACH Membership
    112,000down from 116,000 in Q2 2025
    Q2 2026

    A subset of Medicare Advantage members remain in care coordination fee arrangements, viewed as a long-term risk-adjusted growth opportunity.

    Revenue
    $1.5 billionup from $1.4 billion in Q2 2025
    Q2 2026

    Year-over-year increase offset membership decline due to more constructive rates, favorable payer contracting, and higher revenue from improved diagnosis.

    Risk Adjustment Estimate
    3%year-over-year net of V28 impact
    FY26

    Above prior estimate, driven by enhanced data pipeline visibility and success of Burden of Illness program. Expected to be a net positive contributor in 2027, but likely not at this year's level.

    Medical Cost Trend
    5.8%down from 6.2% estimated in Q1
    FY25

    Favorable development from 2025 dates of service.

    Medical Cost Trend
    low 6%down from 7.4% initially recorded
    Q1 2026

    Favorable development.

    Medical Cost Trend
    low 7%
    Q2 2026

    Reflects prudent reserving given limited paid claims data at quarter end.

    Medical Margin
    $197 millioncompared to negative $53 million in Q2 2025
    Q2 2026

    Exceeded midpoint of Q2 guidance.

    Adjusted EBITDA
    $70 millioncompared to negative $83 million in Q2 2025
    Q2 2026

    Exceeded midpoint of Q2 guidance.

    Cash and Marketable Securities
    $257 million
    Q2 2026 end

    Balance sheet position.

    Off-Balance Sheet Cash
    $83 million
    Q2 2026 end

    Balance sheet position.

    ACO REACH Gross Savings
    $229 million
    2024 performance year

    Program results for 2024 performance year.

    ACO REACH Quality Score
    96%
    2024 performance year

    Program results for 2024 performance year.

    CHF Program Inpatient First Diagnosis Rate
    less than 5%improved from approximately 25%
    current

    Result of the most mature clinical pathway program.

    Heart Failure Patients on Appropriate Medications
    fewer than 10%
    national

    Highlighting opportunity for improvement through pharmacy integrated approach.

    Part D Exposure
    less than 15%
    current

    Company's book of business with Part D exposure.

    Prior Year Development
    $22 million
    Q2 2026

    Favorable prior year development for Q2, contributing to medical margin and adjusted EBITDA.

    Prior Year Development
    $36 million
    YTD Q2 2026

    Tabulated by analyst, confirmed by management as part of medical cost performance.

    Risk Adjustment Impact on EBITDA
    $19 million
    H2 FY26

    Impact from improved risk scores for the remainder of the year, contributing to the guidance raise.

    Quality Program Opportunity
    doubledvs FY25
    FY26

    Increased dollars on the table for Agilon to earn from payers for quality performance.

    Data Pipeline Coverage
    above 80%
    current

    Percentage of payers included in the enhanced data pipeline.

    Industry KPIs

    5
    MetricValueDetails
    Utilization trendsmoderation
    Stars rate environment5.3%%
    Membership covered lives by line437,000members
    Adjusted EPS EBITDA leverage guidance$85 millionUSD
    Medical cost trend vs pricing assumptionlow 7%%

    Risks & headwinds

    5
    Medicare Advantage Membership DeclineYear-over-year

    437,000 members in Q2 2026 compared to 498,000 members in Q2 2025

    Mitigation: Disciplined, profitability-focused approach to contracting in 2026 and measured approach to growth.

    Medical Cost Trend VolatilityNear-term

    Q2 2026 cost trend in the low 7% range

    Mitigation: Prudent reserving approach given limited paid claims data; systematic clinical and quality programs to impact unnecessary costs.

    Performance Variability Across PCP NetworkOngoing

    Variability across our PCP network

    Mitigation: Implementing operating programs and embedding technology to drive improved performance and standardize best practices at scale.

    Maturing Markets and Evolving CapabilitiesOngoing

    Markets are still maturing, capabilities are still improving, and there are patients whose outcomes we have not yet fully transformed.

    Mitigation: Continued investment in AI tools, advancing evidence-based clinical pathways, and strengthening physician partnerships.

    Part D ExposureOngoing

    less than 15% of our book has Part D exposure now

    Mitigation: Look to continue to further reduce that exposure.

    What to watch in Q3 FY26

    5

    2027 Contracting Progress

    Q3 FY26 / Year-end FY26
    CurrentEarly discussions with payers are productive
    TargetFull stride in Q3, contracts wrapped up by year-end

    Why it matters

    Determines future profitability and growth opportunities, especially regarding Part D exposure and care coordination fee conversions.

    Again, discussions with payers have been productive. We're in continuous conversations with them. We believe that they recognize the value that we bring in quality cost of care and overall patient satisfaction. And as we think about contracting into next year, we're really focused on the same discipline approach, including profitability, gaining economic for the value we deliver and quality and improved outcomes and obviously continuing to reduce our exposure to Part D. And we're less than 15% of our book has Part D exposure now. We look to continue to further reduce that. And then just as a reminder, you know, we touched 80% of our contracts last year and 50% of them are open So again, it's early. We expect to hit full stride in the third quarter and get them all wrapped up by the end of the year.

    Q&A highlights

    8

    Confirming that the $22 million PYD is the only item making the first half EBITDA not reflective of the full year, and asking about Q4 seasonality given flat Q3 EBITDA and strong H1, as well as 2027 contracting discussions.

    CFO confirmed the PYD impact. Explained that Part D is recorded net in revenue, so seasonality is like pre-Part D changes (H1 higher, H2 lower). For 2027 contracting, it's early, but discussions are productive, focusing on profitability, value delivery, and reducing Part D exposure (less than 15% of book now).

    So one thing to remember for us is that we record Part D net in revenue. So it really doesn't impact seasonality like it does the payers. So as you think about our income statement, I would think about the way it was before the changes to Part D. So your highest earning quarters are in the first half. Your lowest would be in the second half, right?

    asked by Jack Slevin · answered by Jeffrey Schwaneke

    2 min read7 chapters

    Detailed Narrative

    01

    CEO's Strategic Vision and Focus Areas

    New CEO Tim O'Rourke, who joined in May, has spent his first 90 days engaging with physician partners, payers, and the Agilon team. He believes Agilon is central to the future of value-based care by empowering community-based PCPs with enhanced economics, technology, and clinical tools. His focus is on driving additional value for stakeholders by strengthening fundamentals, enhancing data insights, and creating a more scalable operating model.

    02

    Clinical and Quality Program Advancements

    Agilon is advancing new clinical, quality, and AI initiatives to improve patient outcomes and reduce unnecessary medical costs. The CHF program, deployed across 90% of markets, has reduced inpatient first diagnosis rates from 25% to under 5%. The company is also expanding its pharmacy integrated approach for heart failure patients and rolling out dementia and COPD guideline-directed programs, focusing on earlier identification and intervention.

    03

    Enhanced Data Pipeline and Risk Adjustment

    The enhanced data pipeline provides earlier insights, improving operational execution and supporting PCPs in identifying, diagnosing, and intervening in high-risk conditions. This has led to a stronger-than-expected performance in the Burden of Illness program, contributing to a 3% year-over-year net risk adjustment increase, above the prior estimate of 1.5%. Over 80% of payers are now included in the data pipeline.

    04

    Medical Cost Trend Moderation and Management

    The company is observing early signs of moderation in macro medical cost trends, particularly in inpatient, surgical, and ER categories, consistent with public commentary from large MCOs. This moderation, combined with Agilon's systematic clinical and quality programs, has led to favorable development in 2025 and Q1 2026 cost trends, though Q2 2026 was prudently reserved at a low 7% range due to limited paid claims data.

    05

    ACO REACH Program Success and Future Opportunities

    Agilon's ACO REACH program delivered $229 million in gross savings and achieved an average quality score of 96% across eight ACOs for the 2024 performance year. This strong performance establishes a foundation for 2027, where the Medicare Shared Savings Program and the Future ACO LEAD Model represent important opportunities for further alignment of incentives around quality, affordability, and patient-centered care.

    06

    AI as a Force Multiplier for Primary Care

    Agilon views AI not as a replacement for physicians but as a force multiplier for primary care. Continued investment in AI tools aims to drive greater operational and clinical insights, create more efficient workflows, reduce administrative burden, and service evidence-based interventions, allowing physicians to focus on high-acuity patient populations.

    07

    Growth Strategy and Market Approach

    The company remains focused on strengthening its existing markets, which offer growth opportunities through converting care coordination fee contracts to full risk, re-engaging with prior partners, and leveraging MA and ACO programs. While demand for its model is strong, Agilon will maintain a measured and disciplined approach to new market expansion, evaluating opportunities for 2028 given the 12-18 month implementation timeframe.

    AI-generated summary of the company’s earnings call. Not investment advice.