EL
ELV
Sep 30, 2025
Quarter ended Sep 30, 2025 · FY2025 Q3

Elevance Health, Inc. stock research

Elevance Health (ELV) Free Cash Flow — Quarter Ended Sep 30, 2025

Revenue increased compared to both the preceding quarter and the same quarter one year earlier, but operating cash flow decreased sharply, leading to a lower free cash flow and a weakened margin. The cash conversion rate declined significantly as operating cash flow did not keep pace with revenue growth.

Free cash flow takeaway

A quick read on the company's cash generation and what it means for investors.

Revenue increased compared to both the preceding quarter and the same quarter one year earlier, but operating cash flow decreased sharply, leading to a lower free cash flow and a weakened margin. The cash conversion rate declined significantly as operating cash flow did not keep pace with revenue growth.

  • Revenue rose while operating cash flow fell, resulting in a free cash flow that was lower than both prior periods. The free cash flow margin contracted compared to the preceding quarter and the same quarter last year, indicating weaker cash conversion efficiency.
  • Compared to the immediately preceding quarter, revenue was higher but operating cash flow, free cash flow, and free cash flow margin were all lower. Versus the same quarter one year earlier, revenue was higher while operating cash flow, free cash flow, and margin were also lower.

FCF snapshot

Quarterly and TTM cash-flow metrics with the minimum valuation context.

TTM free cash flow

$3.8B

Trailing twelve-month free cash flow.

Quarter free cash flow

$775.0M

Free cash flow in the selected fiscal quarter.

Operating cash flow

$1.1B

Cash generated by operations before capital spending.

CapEx

$360.0M

Capital spending and related asset purchases.

FCF margin

1.5%

The share of revenue converted into free cash flow.

Cash flow trend

A short quarterly history shows whether FCF is scaling with revenue or only spiking for one period.

PeriodRevenueOperating CFCapExFCFFCF margin
2024-12-31$45.4B$706.0M$322.0M$384.0M0.8%
2025-03-31$48.9B$1.0B$196.0M$821.0M1.7%
2025-06-30$49.8B$2.1B$267.0M$1.8B3.6%
2025-09-30$50.7B$1.1B$360.0M$775.0M1.5%

Cash conversion quality

Checks that separate high-quality free cash flow from accounting noise or working-capital timing.

FCF / net income65.2%Shows whether accounting earnings convert into cash.
CapEx / revenue0.7%Lower capital intensity usually supports FCF margin.
Net cash-$23.2BCash and equivalents minus total debt.

Recent events shaping cash flow

Near-term business events that help explain the free cash flow result.

Watch

Operating Cash Flow Decline

Operating cash flow fell significantly from both the prior quarter and the year-ago quarter, despite revenue growth. This decline was the single most observable factor pulling down free cash flow and margin.

The lower operating cash flow directly reduced free cash flow and compressed the free cash flow margin.

What the cash flow says

How to interpret the company's free cash flow beyond the headline number.

Revenue rose while operating cash flow fell, resulting in a free cash flow that was lower than both prior periods. The free cash flow margin contracted compared to the preceding quarter and the same quarter last year, indicating weaker cash conversion efficiency.

Compared to the immediately preceding quarter, revenue was higher but operating cash flow, free cash flow, and free cash flow margin were all lower. Versus the same quarter one year earlier, revenue was higher while operating cash flow, free cash flow, and margin were also lower.

Monitor the trajectory of operating cash flow relative to revenue, as the current quarter's decline was the primary factor behind the weakened free cash flow.