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Upturn AI Summary - About
Alignment Healthcare LLC(ALHC)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for ALHC
10/23/2026: ALHC (1-star) is currently NOT-A-BUY. Pass it for now.
Alignment Healthcare is a tech-enabled managed care company specializing in Medicare Advantage plans for seniors. The company stands out for its proprietary care platform, which integrates clinical data to personalize member health outcomes and manage costs effectively. Its primary growth opportunity lies in expanding its localized, high-touch care model into new geographic markets. However, the company faces significant execution risks, including intense competition from large national insurers and sensitivity to government reimbursement policy changes. Alignment Healthcare may suit growth-oriented investors interested in the aging-population trend, provided they monitor the company's ability to balance rapid expansion with sustainable medical loss ratios.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Mixed fit | Alignment offers growth potential in the MA market but faces high execution risks and stiff competition. |
| Momentum investor | Mixed fit | Momentum investors may find the stock interesting during uptrends in the healthcare sector, pending favorable market sentiment. |
| Value investor | Weak fit | The company is not currently valued based on traditional value metrics like P/E, given its growth-at-all-costs phase. |
| Dividend investor | Weak fit | The company does not pay a dividend and focuses entirely on reinvestment. |
| Low-risk investor | Weak fit | High volatility and sensitivity to regulatory shifts make this unsuitable for risk-averse investors. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | High | The stock can experience sharp price swings due to earnings surprises or regulatory headlines. |
| Valuation risk | Medium / high | High growth expectations are priced in, leaving little room for error in quarterly results. |
| Competition risk (National Insurance Giants) | High | Dominant national players have more resources to capture market share. |
| Business quality | Medium | The tech-enabled model is differentiated, but the underlying business is capital intensive. |
| Dividend income | Low / none | Investors should not rely on the stock for income. |
| Execution risk | Medium / high | Scaling care delivery models efficiently across new geographies is inherently challenging. |
Price Behavior
Steep Decline
The stock price has dropped sharply with strong downward pressure.
Extreme Price Shocks
The stock has experienced exceptionally large and disruptive price movements during the period.
Analysis of Past Performance
Type Stock | Historic Profit 23.11% | Avg. Invested days 34 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 10/23/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.67B USD | Price to earnings Ratio 42.42 | 1Y Target Price 12.31 |
Price to earnings Ratio 42.42 | 1Y Target Price 12.31 | ||
Volume (30-day avg) 11.6M shares | Beta 1.14 | 52 Weeks Range 6.01 - 25.12 | Updated Date 10/25/2026 |
52 Weeks Range 6.01 - 25.12 | Updated Date 10/25/2026 | ||
Dividends yield (FY) - | Basic EPS (TTM) 0.19 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Medicare Advantage Insurance Premiums | Monthly premium payments received from the Centers for Medicare & Medicaid Services (CMS) and members. | The company collects recurring monthly payments to cover the healthcare needs of its enrolled senior members. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Valuation
Trailing PE 42.42 | Forward PE 204.08 | Enterprise Value 1.44B | Price to Sales(TTM) 0.37 |
Enterprise Value 1.44B | Price to Sales(TTM) 0.37 | ||
Enterprise Value to Revenue 0.31 | Enterprise Value to EBITDA 16.59 | Shares Outstanding 207.44M | Shares Floating 188.21M |
Shares Outstanding 207.44M | Shares Floating 188.21M | ||
Percent Insiders 2.57 | Percent Institutions 116.5 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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