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    CAH
    Earnings call· Mar 2026(Q3 FY26)

    CARDINAL HEALTH Q3 FY26 earnings call CAH

    Apr 30, 2026 Source

    Executive summary

    Cardinal Health Q3 FY26 — Pharma and 'other' growth strength drive another raised outlook

    The thesis strengthened rather than shifted: a resilient distribution core plus accelerating higher-margin Specialty and 'other' growth businesses let management raise the full-year outlook again, even as GMPD absorbs tariffs and Pharma revenue optics are muddied by IRA WAC repricing and moderating GLP-1 mix. The forward stance leans into disciplined Specialty bolt-on M&A, synergy realization, and below-the-line optimization heading into an early-framed but reaffirmed FY27.

    Highlights

    5
    • Total revenue grew 11% to $61B; enterprise operating earnings rose 18% to $956M and non-GAAP EPS grew 35% to $3.17

    • Pharmaceutical and Specialty Solutions segment profit grew 18% to $784M, outpacing 11% revenue growth to $56.1B, with Specialty revenue growing over 20% (oncology over 30%)

    • Other growth businesses (at-Home, Nuclear/Precision Health, OptiFreight) grew revenue 31% to $1.7B and profit 34% to $179M

    • Raised FY26 non-GAAP EPS guidance to $10.70-$10.80 (+$0.50 at midpoint, 30-31% growth) and adjusted free cash flow to $3.3B-$3.7B

    • Generated $1.7B adjusted FCF in the quarter, prepaid $100M of term loan to reduce Moody's-adjusted leverage to 3.0x, and completed $1B of FY26 buybacks ($250M above baseline target)

    Concerns

    5
    • GMPD segment profit fell to $25M on the adverse net impact of tariffs (~$200M IEPA tariffs paid to date), with revenue flat at $3.1B

    • $184M pretax GAAP goodwill impairment on the Navista oncology-MSO business tied to an increased discount rate and business-model changes

    • Pharma FY26 revenue now guided to the low end of the 15%-17% range as GLP-1 growth (over 30%) moderated and a 6-point IRA WAC repricing drag offset a 6-point GLP-1 revenue uplift

    • Q3 EPS beat was flattered by a low 10.2% non-GAAP tax rate including a ~$0.35 multiyear discrete benefit that will create a tough FY27 below-the-line comparison

    • Rising fuel/oil-linked commodity costs and sharply higher exam-glove costs are emerging GMPD headwinds

    Guidance & targets

    14
    CategoryTargetConfidence
    Full-year FY26 non-GAAP EPS
    $10.70 to $10.80
    high materiality
    High
    FY26 Pharmaceutical and Specialty Solutions segment revenue growth
    Low end of 15% to 17%
    high materiality
    High
    FY26 Pharma segment profit growth
    22% to 23%
    high materiality
    High
    Q4 FY26 Pharma segment profit growth
    High teens at the midpoint
    medium materiality
    Medium
    FY26 GMPD segment revenue growth
    1% to 3% growth
    medium materiality
    Medium
    FY26 GMPD segment profit
    $150M
    medium materiality
    Medium
    FY26 other growth businesses revenue growth
    26% to 28%
    medium materiality
    High
    FY26 other growth businesses profit growth
    36% to 38%
    high materiality
    High
    FY26 interest and other expense
    Approximately $340M
    low materiality
    Medium
    FY26 non-GAAP effective tax rate
    Approximately 19%
    medium materiality
    Medium
    FY26 weighted average diluted shares outstanding
    Approximately 237M shares
    low materiality
    Medium
    FY26 adjusted free cash flow
    $3.3B to $3.7B
    high materiality
    High
    FY26 Specialty revenue
    Exceed $50B
    high materiality
    High
    Long-term non-GAAP EPS growth (informs FY27)
    12% to 14%
    high materiality
    Medium

    Segment performance

    3
    SegmentRevenueYoYQoQMargin
    Pharmaceutical and Specialty Solutions
    Growth driven by existing-customer demand across specialty, generics, and consumer health; profit outpaced revenue on brand and specialty products, maintained distribution economics despite WAC changes, and a positive generics program via Red Oak.
    Specialty revenue growth: over 20%Oncology revenue growth: over 30%GLP-1 revenue growth: over 30% (added 6 pts to revenue, offset by ~6 pt IRA WAC drag)Specialty M&A contribution: ~8 pts of FY26 growthSpecialty revenue: expected to exceed $50B in FY26
    $56.1B+11%Segment profit $784M, +18%
    Global Medical Products and Distribution (GMPD)
    Lower distribution volumes (including a lost VA customer and a customer merger, both low Cardinal-brand mix) offset by Cardinal Health brand growth and Q2 timing shifts; tariff exposure concentrated here; 5-Point improvement plan and simplification progressing.
    Cardinal Health brand US growth: over 5%Cardinal Health brand: at least mid-single-digit growth for 5 consecutive quarters
    $3.1BGenerally flatSegment profit $25M (decreased due to adverse net tariff impact)
    Other (at-Home Solutions, Nuclear and Precision Health Solutions, OptiFreight Logistics)
    Robust demand across all three businesses plus the ADS acquisition; at-Home benefiting from shift of care to the home, Nuclear from Theranostics/Actinium-225 investment, OptiFreight from its logistics value proposition.
    Theranostics revenue growth: over 30%OptiFreight revenue growth: nearly 20%at-Home continued care pathway patients: 165,000 (up ~20% since January)ADS onboarded: ~500,000 new patients and ~1,000 new employees
    $1.7B+31%Segment profit $179M, +34%

    Operational metrics

    17
    GLP-1 revenue growth
    over 30%moderated from prior quarter
    Q3 FY26

    GLP-1s described as low-margin ('empty calorie') dollars — large revenue contribution but limited profit.

    IRA WAC pricing revenue impact
    -6 percentage pointsfirst quarter of the WAC repricing change
    Q3 FY26

    Inflation Reduction Act WAC pricing adjustments reduced revenue growth, offsetting the GLP-1 uplift; management renegotiated contracts at the start of the quarter.

    Non-GAAP effective tax rate
    10.2%unusually low due to discrete items
    Q3 FY26

    Discrete tax planning benefits below the operating line supplemented operational performance; drove the reduced FY26 tax-rate guidance to ~19%.

    Net interest and other expense
    $117Melevated on prior-acquisition financing costs
    Q3 FY26

    Driven primarily by increased financing costs associated with prior acquisitions.

    SG&A growth excluding M&A
    7%vs 17% headline SG&A growth including M&A
    Q3 FY26

    Management emphasized disciplined, purposeful SG&A investment positioning for future growth.

    Share repurchase program
    $250M additional ASR (Q3); $1B total FY26 YTD$250M above FY26 baseline target year-to-date
    Q3 FY26 / FY26 YTD

    Buybacks are a core accretion lever within the disciplined capital framework.

    Moody's adjusted leverage ratio
    3.0xreduced after $100M term-loan prepayment
    end of Q3 FY26

    Comfortably within target leverage range following prepayment.

    Capital expenditure
    $385M
    FY26 year-to-date

    Continued heavy organic investment for long-term profit growth.

    IEPA tariffs paid and potential refund
    ~$200M paid; ~$100M potential future net benefitnet benefit ~half of $200M after customer repayment
    to date / future (uncertain)

    Tariff exposure concentrated in GMPD; management awaiting greater certainty on refund timing and administration.

    Specialty M&A revenue contribution
    ~8 percentage pointsconsistent with prior guidance
    FY26

    Inorganic contribution to Pharma/Specialty growth from acquired specialty platforms.

    Continued care pathway patients served
    165,000up nearly 20% since January
    as of Q3 FY26

    Illustrates synergy between pharma and at-Home Solutions businesses.

    ADS integration onboarding
    ~500,000 new patients; ~1,000 new employees
    one year post-acquisition (anniversaried April 1)

    ADS now marks one year as part of Cardinal Health within at-Home Solutions.

    Actinium-225 clinical trial support
    more than 15 clinical trials worldwide
    to date

    Nuclear business supporting radiopharmaceutical innovators, reflecting broad engagement in targeted cancer therapies.

    SYMEXYS patient-support therapy onboarding
    3 new therapies onboarded; 10 more scheduled
    Q3 FY26 / next 2 quarters

    Biopharma solutions business providing patient-support services to pharmaceutical manufacturers.

    Specialty Alliance geographic and tuck-in expansion
    3 tuck-in acquisitions; now in 33rd state
    since last quarter

    Equity MSO model being prioritized within the Specialty Alliance.

    MSO drug spend mix
    ~1/3 of $4B-$4.5B MSO revenue is drug spend
    current

    Cited to argue IRA pricing implications for MSOs are very manageable.

    Exam glove input cost inflation
    less than 5% of Cardinal-branded productcosts already increasing meaningfully
    current

    Identified as the main product category seeing cost increases amid oil/commodity pressure.

    Industry KPIs

    4
    MetricValueDetails
    Utilization trendsresilient, low-single-digit range
    Pharmacy scripts specialtySpecialty revenue growth over 20%; Specialty revenue expected to exceed $50B in FY26% / $B
    Segment revenue operating incomePharma +11% rev / +18% profit; GMPD flat / profit $25M; Other +31% rev / +34% profit% / $
    Adjusted EPS EBITDA leverage guidanceNon-GAAP EPS $3.17 (+35%); Moody's-adjusted leverage 3.0x; FY26 EPS guide $10.70-$10.80$ / x / %

    Product announcements

    4
    ProductTypeDetails
    Actinium-225 production capacity (Center for Theranostics Advancement)expansion
    OptiFreight Logistics pharmacy solution (tech board, Shipment Navigator, Tracking Beacon)launch
    Sacramento distribution centerroadmap
    Continued care pathway programmilestone

    Deals & partnerships

    7
    Solaris (Specialty Alliance)acquisition / integration + distribution onboarding

    Integration of Solaris into the Specialty Alliance remains on track; distribution volume now ramping into the pharma business.

    GI Alliance (GIA)acquisition + distribution onboarding

    GI Alliance distribution volumes onboarding in Q4 alongside Solaris.

    IONacquisition + distribution contract

    ION distribution contract began transitioning in Q2; part of the specialty M&A portfolio (GIA, Solaris, ION) performing as expected.

    ADSacquisition (at-Home Solutions)

    Volume migrated into Cardinal distribution centers; integration pivoting to systems and back-office.

    Undisclosed pharmaceutical company (Specialty Networks + Specialty Alliance)multiyear research study partnershipmultiyear

    Study focused on understanding real-world outcomes for patients receiving care at community gastroenterology clinics; Specialty Networks performs the analysis, showcasing network connectivity.

    Specialty Alliance (Nuclear business supply agreement)internal supply agreement

    Supply agreement connecting the nuclear and specialty businesses for prostate cancer imaging.

    Red Oak Sourcinggenerics sourcing partnership

    Red Oak partnership underpins strength of the generics program.

    Risks & headwinds

    10
    Tariff exposure in GMPD segmentcurrent and ongoing; refund timing uncertain

    GMPD segment profit fell to $25M; ~$200M IEPA tariffs paid to date; ongoing tariffs plus a pending Section 232 study

    Mitigation: multi-year simplification/efficiency; customer price passthrough; potential ~$100M future net benefit from IEEPA refund (not recognized); improved contract flexibility

    Navista goodwill impairment (GAAP)Q3 FY26

    $184M pretax noncash goodwill impairment

    Mitigation: reflects pivot to prioritize equity MSO model and increased discount rate on a small part of oncology; does not affect non-GAAP results or broader Specialty strategy

    IRA WAC repricing pressure on revenueQ3 FY26 and ongoing (first quarter of change)

    -6 percentage points to Pharma revenue growth

    Mitigation: distribution contracts renegotiated at start of quarter to maintain fee economics; diversified MSO payer mix

    Moderating GLP-1 growth and mix volatilityongoing

    GLP-1 growth over 30% but decelerating; revenue mix fluctuations between GLP-1s, IRA changes, and generics

    Mitigation: GLP-1s are low-profit; brand-to-generic LOE conversions are a positive for profit; Pharma revenue guided to low end of 15-17%

    Fuel and commodity/oil cost inflationcurrent and next few quarters

    modest; fuel impacts distribution costs in-period, product (polyethylene/polypropylene) costs lag 2-3 quarters

    Mitigation: described as manageable and far below prior hyperinflation; more flexible carrier/customer agreements; roughly offsets the tariff tailwind for FY27

    Exam glove / PPE input cost increasescurrent

    exam gloves less than 5% of Cardinal-branded product but costs rising notably

    Mitigation: 2-3 quarters to mitigate and evaluate industry pricing before cost flows through P&L

    Unified service fee / drug-pricing reform regulatory riskback half of the year and beyond

    unquantified; too early to size unified service fee recalculation implications

    Mitigation: 1% blended margins with contractual right to renegotiate rates; expect to maintain economics as in prior fee-for-service transitions

    Winter storm / weather disruptionQ3 FY26 (non-recurring)

    slight financial impact; excess reroute/transportation costs; relatively more impact on MSOs (lost physician visits/procedures)

    Mitigation: record-high service levels maintained; distribution volumes largely recoverable next day/week unlike MSO visits

    Customer losses in GMPDcurrent year

    unquantified; lost a large government (VA) customer and a customer that went through a significant merger — both low Cardinal-brand mix

    Mitigation: underlying industry volumes resilient; Cardinal-brand growth over 5% despite weaker top line

    FY27 below-the-line comparisonFY27

    unquantified; tough comp against this year's discrete tax benefits (~$0.35 in Q3 alone)

    Mitigation: continued pursuit of durable tax improvements and baseline buybacks; Solaris annualization and synergies as offsets; long-term 12-14% EPS growth target reaffirmed

    Q&A highlights

    8

    Can you quantify the accelerated SG&A investment for future growth, and where are the remaining holes to build out in Specialty organically or via M&A?

    Aaron declined to give a discrete SG&A figure beyond the disclosed 17% headline / 7% ex-M&A growth, framing it as purposeful technology and team investment. On portfolio, management prioritizes autoimmune and urology for disciplined bolt-ons; Jason emphasized capability now sits in building platforms and interconnectivity rather than large deals.

    we have prioritized autoimmune and urology, and we'll remain focused there. But we are going to be quite disciplined as well, the right assets at the right timing at the right price

    asked by Michael Cherny · answered by Aaron Alt

    3 min read6 chapters

    Detailed Narrative

    01

    Pharma-led quarter with profit outpacing revenue

    Total revenue rose 11% to $61B and non-GAAP EPS grew 35% to $3.17, aided by a low 10.2% tax rate (including a ~$0.35 multiyear discrete benefit📎) and continued buybacks. The Pharmaceutical and Specialty Solutions segment grew revenue 11% to $56.1B on existing-customer growth across specialty, generics, and consumer health, while segment profit grew 18% to $784M on brand and specialty contributions and consistent generics dynamics via the Red Oak partnership. Management noted revenue optics were muddied by a 6-point GLP-1 uplift offset by a 6-point IRA WAC repricing drag.

    02

    Specialty platform expansion and the Navista impairment

    Specialty grew over 20% (oncology over 30%) and is expected to exceed $50B in revenue this fiscal year, with acquired assets GIA, Solaris, and ION performing to plan and contributing ~8 points of FY26 Pharma growth. The company closed three tuck-in acquisitions in the Specialty Alliance (now in its 33rd state) and prioritizes autoimmune and urology for future bolt-ons. A $184M pretax GAAP goodwill impairment on Navista reflects a pivot to prioritize the equity MSO model over non-equity arrangements, raising the discount rate on a small part of the oncology business; management stressed the broader oncology/MSO strategy and economics are unchanged.

    03

    GMPD improvement plan amid tariff pressure

    GMPD revenue was flat at $3.1B and segment profit fell to $25M on the adverse net impact of tariffs, though Cardinal Health brand grew over 5% in the U.S. and has grown at least mid-single digits for five consecutive quarters under the 5-Point Plan. Cardinal has paid ~$200M in IEPA tariffs; following a February 2026 Supreme Court ruling that IEEPA tariffs are unlawful, a refund process is underway and a potential future net benefit of ~$100M (about half of $200M, net of customer price passthrough) could arise, though none is recognized in results or guidance given timing uncertainty.

    04

    Other growth businesses accelerating

    at-Home Solutions, Nuclear and Precision Health Solutions, and OptiFreight Logistics grew combined revenue 31% to $1.7B and profit 34% to $179M. ADS integration is one year in with ~1,000 new employees and ~500,000 new patients onboarded and volume migrated into Cardinal's distribution centers; the continued care pathway program now serves 165,000 patients, up ~20% since January. Nuclear's Theranostics grew over 30% with an announced Actinium-225 capacity expansion, and OptiFreight grew nearly 20%.

    05

    Capital allocation and balance sheet discipline

    Cardinal ended the quarter with nearly $4B in cash after generating $1.7B adjusted FCF, prepaid $100M on its term loan to bring Moody's-adjusted leverage to 3.0x (within the 2.75x-3.25x target, supporting its Baa2 rating), and executed an additional $250M ASR, bringing FY26 buybacks to $1B ($250M above baseline). CapEx of $385M year-to-date spans all businesses, including a signed lease for a new Sacramento distribution center. Below-the-line optimization of tax and buybacks is framed as a lever for FY27 accretion.

    06

    FY27 early framing

    Management reaffirmed confidence in long-term targets (12%-14% non-GAAP EPS growth) while flagging puts and takes for FY27: Solaris annualization and synergy realization as tailwinds, ongoing tariff dynamics (with a potential GMPD year-over-year opportunity) roughly offset by higher fuel/commodity costs, and a tough comparison to this year's discrete tax benefits📎. Full FY27 guidance will be provided at the Q4 earnings call.

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