Fundamental analysis · SEC EDGAR · TTM through 30/06/2026

Fundamental analysis of Centene Corp

CNC · NYSE · Healthcare

Fundamental quality

DEMANDING

50

out of 100

Centene Corp is going through a tough financial stretch: it hasn't been profitable over the last twelve months. On fundamental quality it scores 50 out of 100, profiling it as a company with demanding fundamentals. Its weakest area is its profitability (net margin -2.5%). Whether it's cheap or expensive depends on the current price, which you can compute in the tool.

What the company does

Centene is America's largest low-income health insurer: it runs Medicaid plans on behalf of states and sells subsidized Obamacare marketplace coverage. Its end customer is fragile; its payer is the government.

What will shape its future

  • Medicaid renewals and cuts: every state review can add or subtract millions of members.
  • Washington health policy, which sets the size of both its markets.
  • Margins thin by design: it wins by scaling, not by charging more.

Breakdown by area

I.Growth
65

Revenue growth: 11.6%

II.Profitability
22

Net margin: -2.5% · ROE: -22.6%

III.Financial health
64

Net debt/EBITDA: 1.83x · FCF: 4.4%

Source: SEC EDGAR · TTM through 30/06/2026

The score combines growth, profitability and financial strength. Here its growth weighs in its favor, while its profitability drags it down the most.

Versus its sector

Percentile against the other 57 Healthcare companies in our coverage: how far it beats them on each metric (100 = best in sector).

Net marginbeats 4%
ROEbeats 4%
Growthbeats 75%
Cash generationbeats 22%
Less debtbeats 55%

Computed from the daily dataset scores. A high percentile places the company among the best in its sector on that metric; it is not a buy recommendation.

Key concepts

What do these metrics mean? Fundamental analysis · What is the P/E · What is EPS · What is ROE · Net & gross margin · Free cash flow

Centene Corp strengths

  • Revenue rising without interruption since 2020.
  • Revenue growing (11.6% annualized).
  • It has cut its net debt over the period.

Centene Corp risks and weaknesses

  • No profits over the last twelve months (negative EPS).
  • Losses over the last twelve months (net margin of -2.5%).
  • It has slipped into losses after years of profit.

Centene Corp historical evolution

YearRevenueNet incomeFree cash flowNet debt
2020111,1151,8084,6345,979
2021125,9821,3473,2955,720
2022144,5471,2025,2575,946
2023153,9992,7027,254636
2024163,0713,305-4904,470
2025194,777-6,6744,321-487

Between 2020 and 2025, revenue went from $111,115M to $194,777M (+75%) and net income went from $1,808M to -$6,674M (-469%). It has also reduced its net debt over the period.

Annual figures in millions of U.S. dollars ($M) per SEC filings. Net debt is total debt minus cash.

Latest results

Versus the same period a year earlier

Figures for the half-year ended June 30, 2026, versus the half-year ended June 30, 2025 (SEC filings):

  • Revenue+8.6%
  • Net income+148.8%

What changed with the June 30, 2026 results

Compared with the previous close (March 31, 2026), this is what moved in its accounts:

  • Quality score5350
  • Net margin-3.3%-2.5%
  • ROE-30.1%-22.6%
  • Net debt/EBITDA0.81×1.83×

Automatic comparison between the two most recent periods filed with the SEC. One quarter doesn't make a trend: read it alongside the historical evolution above.

Dividend

This company doesn't pay a dividend: it reinvests all its earnings back into the business.

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Is Centene Corp cheap or expensive?

That depends on the current price. Look it up, enter it in the tool and get the full valuation verdict (P/E against its sector).

Compute the valuation →

Frequently asked questions

Is Centene Corp a good company to invest in?

In terms of business quality, Centene Corp scores 50 out of 100 in our analysis, placing it as a company with demanding fundamentals. That said, this isn't a recommendation: whether it's a good investment also depends on its current price and your goals.

Is Centene Corp a profitable company?

Over the last twelve months, no: Centene Corp posts a negative net margin (-2.5%).

Does Centene Corp have a lot of debt?

A moderate level: its net debt is 1.83 times its EBITDA.

Is Centene Corp growing?

Its revenue has grown 11.6% annualized in recent years, and without interruption since 2020.

Does Centene Corp generate cash?

Yes. It converts about 4.4% of its revenue into free cash flow.

The thresholds are general and the system doesn't judge qualitative factors. See the full methodology and use this analysis as a first filter, never as a final decision.

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