Financial Expectations -- The Big Five
EPS up consistently in the mid-teens
- Up 32% percent in Q3 (excluding charges)
Expanding EBITDA margins
- Q3 EBITDA % at 5.1% was 70bp higher than Q2
- Steady gross margin improvement
- Improving medical loss and SG&A ratios
Strong cash consistent with earnings
- YTD $237 million in line with expectations
Stable debt-to-capital ratio -- It’s declining...22.9 percent in Q3
Return on Equity north of 20 percent - Q3 was 21.0%