10-QPeriod: Q1 FY2012

CENTENE CORP Quarterly Report for Q1 Ended Mar 31, 2012

Filed April 24, 2012For Securities:CNC

Summary

Centene Corporation's first quarter 2012 report shows significant revenue growth driven by an expansion in managed care membership, particularly in Medicaid and CHIP programs. Total revenues increased by 40.8% year-over-year to $1.71 billion, primarily due to new contracts and expanded services in states like Arizona, Illinois, Kentucky, and Louisiana. Despite strong top-line growth, net earnings attributable to Centene Corporation saw a slight decrease of 1.0% to $23.978 million, resulting in diluted earnings per share of $0.45, down from $0.46 in the prior year. The company experienced a notable increase in its Health Benefits Ratio (HBR) to 88.2% from 84.9% in the prior year, mainly attributed to higher medical costs in key markets like Kentucky and Texas. However, this was partially offset by an improvement in the General and Administrative (G&A) expense ratio, which decreased to 9.8% from 12.0%, reflecting better cost leverage over increased revenues and reduced performance-based compensation. Operationally, Centene added 607,000 members year-over-year, reaching a total of 2,149,500 at-risk managed care members. Cash flow from operations turned negative for the quarter at ($32.1) million, impacted by timing differences in premium payments from state customers, a deviation from the $94.0 million positive cash flow in the same period last year. The company maintained a strong regulatory capital position, with statutory capital and surplus significantly exceeding required minimums.

Financial Statements
Beta
Revenue$1.56B
Operating Expenses$1.68B
Operating Income$34.20M
Interest Expense$4.80M
Net Income$23.98M
EPS (Basic)$0.12
EPS (Diluted)$0.11
Shares Outstanding (Basic)204.50M
Shares Outstanding (Diluted)214.04M

Key Highlights

  • 1Total revenues surged 40.8% year-over-year to $1.71 billion, driven by substantial membership growth and new contract wins in key states.
  • 2Managed care membership increased by 607,000 year-over-year to 2,149,500 at-risk members, indicating strong market penetration.
  • 3Health Benefits Ratio (HBR) increased to 88.2% from 84.9% in Q1 2011, primarily due to higher medical costs in expanding markets like Kentucky and Texas.
  • 4General and Administrative (G&A) expense ratio improved to 9.8% from 12.0% in Q1 2011, demonstrating effective cost management and operational leverage.
  • 5Net earnings attributable to Centene Corporation remained relatively flat, slightly decreasing by 1.0% to $24.0 million, with diluted EPS at $0.45, down from $0.46 in the prior year.
  • 6Operating cash flow turned negative at ($32.1) million due to state payment timing, a significant change from $94.0 million in the prior year's first quarter.
  • 7The company proactively manages its investment portfolio, which is largely comprised of high-quality fixed-income securities, with a focus on liquidity and capital preservation.

Frequently Asked Questions

Centene's revenue growth was primarily driven by a significant increase in managed care membership, which rose by 607,000 year-over-year. This expansion was fueled by new contracts and expanded services in states such as Arizona, Illinois, Kentucky, and Louisiana, along with growth in its Medicaid and CHIP programs.

The HBR increased to 88.2% from 84.9% in the prior year, mainly due to higher medical costs in newly acquired or expanded markets like Kentucky and Texas, and also due to premium rate decreases in existing Texas service areas. While a higher HBR directly impacts profitability by increasing the cost of services relative to revenue, this was partially offset by improved G&A expense ratios.

The negative cash flow from operations of ($32.1) million in the first quarter of 2012 was primarily due to timing differences in premium payments received from state customers. Specifically, delays in payments from certain state customers and the timing of payments from others, totaling a significant amount, impacted operating cash flows, contrasting with the positive cash flow in the same period of the prior year.

Centene maintains a diversified investment portfolio primarily consisting of highly liquid, high-quality fixed-income securities. The company manages interest rate risk through its investment strategy and the use of interest rate swaps. As of March 31, 2012, investments were subject to a hypothetical 1% increase in market interest rates, which would result in an approximate $13.7 million decrease in the fair value of its fixed-income investments.