📊 AGL Key Takeaways
Is agilon health, inc. (AGL) a Good Investment?
Agilon Health exhibits deteriorating operational performance with revenue declining 2.1% YoY and net income plummeting 50.4% YoY, while operating margins have compressed to a critically thin 0.3%. Despite a fortress balance sheet with minimal leverage and strong ROE of 27%, the company's cash generation is insufficient and liquidity is tightening, indicating fundamental business model stress in a competitive healthcare services environment.
agilon health’s fundamentals are weak: revenue declined, operating losses remain large, and the business is consuming cash rather than generating it. While debt is low and cash provides some near-term cushion, the combination of negative margins, negative free cash flow, and a very thin equity base points to poor financial quality and elevated balance-sheet risk if losses persist.
agilon health, inc. Key Strengths (AGL)
- Minimal financial leverage with 0.08x debt-to-equity ratio and only $15.3M long-term debt
- Strong return on equity of 27.0% demonstrates capital efficiency despite profitability pressures
- Positive free cash flow generation of $20.6M and substantial cash reserves of $140.0M provide runway for restructuring
- Revenue scale remains substantial at $5.93B, which suggests the company still has meaningful market presence
- Debt levels are modest relative to equity, with only $34.99M of long-term debt and a 0.28x debt-to-equity ratio
- Cash of $173.71M and a current ratio of 1.02x provide limited near-term liquidity support
AGL Stock Risks: agilon health, inc. Investment Risks
- Revenue contraction of 2.1% YoY combined with 50.4% net income decline signals severe operational deterioration and margin compression
- Operating margin of 0.3% is unsustainably thin, leaving no cushion for adverse developments; company is barely operationally profitable
- Tight current ratio of 1.04x and FCF margin of only 1.5% indicate constrained liquidity and inadequate cash generation relative to operational needs
- Profitability is deeply negative, with a -7.8% operating margin and -6.6% net margin
- Cash generation is weak, with negative operating cash flow and negative free cash flow indicating the model is not self-funding
- Balance-sheet resilience is thin, with only $126.73M of equity and extremely poor ROE/ROA signaling sustained value erosion
Key Metrics to Watch
- Quarterly revenue trend and growth stabilization vs. continued contraction
- Operating margin recovery; profitability sustainability at current 3.4% net margin levels
- Free cash flow conversion ratio and cash burn rate relative to $140M cash reserve
- Operating cash flow and free cash flow trend
- Operating margin improvement versus revenue growth
agilon health, inc. (AGL) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The relatively thin 1.5% FCF margin may limit capital allocation flexibility.
AGL Profit Margin, ROE & Profitability Analysis
AGL vs Services Sector: How agilon health, inc. Compares
How agilon health, inc. compares to Services sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is agilon health, inc. Stock Overvalued? AGL Valuation Analysis 2026
Based on fundamental analysis, agilon health, inc. has mixed fundamental signals relative to the Services sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
agilon health, inc. Balance Sheet: AGL Debt, Cash & Liquidity
AGL Revenue & Earnings Growth: 5-Year Financial Trend
5-Year Trend Summary: agilon health, inc.'s revenue has grown significantly by 231% over the 5-year period, indicating strong business expansion. The most recent EPS of $-0.48 indicates the company is currently unprofitable.
AGL Revenue Growth, EPS Growth & YoY Performance
AGL Quarterly Earnings & Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q1 2026 | $1.4B | $12.1M | $0.73 |
| Q3 2025 | $1.4B | -$110.2M | N/A |
| Q2 2025 | $1.4B | -$30.7M | N/A |
| Q1 2025 | $1.5B | -$6.1M | N/A |
| Q3 2024 | $1.1B | -$31.4M | N/A |
| Q2 2024 | $1.1B | -$727.0K | N/A |
| Q1 2024 | $1.1B | -$6.1M | N/A |
| Q3 2023 | $694.9M | -$30.7M | N/A |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
agilon health, inc. Dividends, Buybacks & Capital Allocation
AGL SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for agilon health, inc. (CIK: 0001831097)
📋 Recent SEC Filings
| Date | Form | Document | Action |
|---|---|---|---|
| Jun 5, 2026 | 4 | xslF345X06/wk-form4_1780703200.xml | View → |
| Jun 4, 2026 | 4 | xslF345X06/wk-form4_1780624633.xml | View → |
| Jun 4, 2026 | 4 | xslF345X06/wk-form4_1780624613.xml | View → |
| Jun 4, 2026 | 4 | xslF345X06/wk-form4_1780624593.xml | View → |
| Jun 4, 2026 | 4 | xslF345X06/wk-form4_1780624572.xml | View → |
❓ Frequently Asked Questions about AGL
What is the AI rating for AGL?
agilon health, inc. (AGL) has a Combined AI Grade of C from Claude (C) and ChatGPT (D) with 85% combined confidence, based on fundamental analysis of SEC EDGAR filings.
What are AGL's key strengths?
Claude: Minimal financial leverage with 0.08x debt-to-equity ratio and only $15.3M long-term debt. Strong return on equity of 27.0% demonstrates capital efficiency despite profitability pressures. ChatGPT: Revenue scale remains substantial at $5.93B, which suggests the company still has meaningful market presence. Debt levels are modest relative to equity, with only $34.99M of long-term debt and a 0.28x debt-to-equity ratio.
What are the risks of investing in AGL?
Claude: Revenue contraction of 2.1% YoY combined with 50.4% net income decline signals severe operational deterioration and margin compression. Operating margin of 0.3% is unsustainably thin, leaving no cushion for adverse developments; company is barely operationally profitable. ChatGPT: Profitability is deeply negative, with a -7.8% operating margin and -6.6% net margin. Cash generation is weak, with negative operating cash flow and negative free cash flow indicating the model is not self-funding.
What is AGL's revenue and growth?
agilon health, inc. reported revenue of $1.4B.
Does AGL pay dividends?
agilon health, inc. does not currently pay dividends.
Where can I find AGL SEC filings?
Official SEC filings for agilon health, inc. (CIK: 0001831097) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is AGL's EPS?
agilon health, inc. has a diluted EPS of $2.94.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined grade reflects both perspectives for balanced insights.
What is AGL's fundamental grade?
Based on our AI fundamental analysis in June 2026, agilon health, inc. has a C grade with 85% confidence. Review the strengths and risks sections above for full context. This is not investment advice.
Is AGL stock overvalued or undervalued?
Valuation metrics for AGL: ROE of 27.0% (sector avg: 16%), net margin of 3.4% (sector avg: 10%). Higher ROE suggests strong returns relative to peers.
What is AGL's AI grade for 2026?
Our dual AI analysis gives agilon health, inc. a combined C grade for 2026. Revenue is data pending, with profitability at or below sector average. Always conduct your own research.
What is AGL's free cash flow?
agilon health, inc.'s operating cash flow is $23.7M, with capital expenditures of $3.1M. FCF margin is 1.5%.
How does AGL compare to other Services stocks?
Vs Services sector averages: Net margin 3.4% (avg: 10%), ROE 27.0% (avg: 16%), current ratio 1.04 (avg: 1.5).
Why is AGL's return on equity (ROE) so high?
agilon health, inc. has a return on equity of 27.0%, significantly above the Services sector average of 16%. A high ROE indicates the company is efficient at generating profits from shareholder equity. This is supported by a 3.4% net margin.