Medicover AB (publ) (MCOV_B) Q3 2025 Earnings Call

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WEBVTT 00:00:01.600 -- 00:00:06.006 Welcome to the MediCover Q3 2025 report presentation. 00:00:06.006 -- 00:00:10.593 For the first part of the conference call, the participants will be in listen-only mode. 00:00:10.593 -- 00:00:15.580 During the questions and answers session, participants are able to ask questions by dialing 00:00:15.580 -- 00:00:21.209 pound key 5 on their telephone keypad. Now I will hand the conference over to the speakers. 00:00:21.209 -- 00:00:27.215 CEO John Stubbington and CFO Anand Patel, please go ahead. 00:00:28.043 -- 00:00:33.532 Morning, everybody. John here. Welcome to our Q3 report. 00:00:33.532 -- 00:00:38.940 And I'd like to start with thanking all of our people for producing 00:00:38.940 -- 00:00:44.449 a really good result. So thank you for all your hard work. 00:00:44.449 -- 00:00:47.674 Q1, I described as strong. Q2, I described as stronger. 00:00:47.674 -- 00:00:52.502 I think Q3, you know, what we're seeing here is a really good, solid, consistent and 00:00:52.502 -- 00:00:58.661 healthy performance. If you look on the right hand side, you can see growth 00:00:58.661 -- 00:01:01.604 is a good performance at 12.1%, 00:01:03.092 -- 00:01:06.380 especially when you consider that 00:01:06.380 -- 00:01:11.633 Hungary no longer is in these numbers. So that's quite a pleasing 00:01:11.633 -- 00:01:17.144 position for us. If you look at a bit, it's a very respectable 00:01:17.144 -- 00:01:22.152 increase of 32% which is really positive for us and you can see that 00:01:22.152 -- 00:01:27.261 coming through with the adjusted margin of 17.2. 00:01:27.261 -- 00:01:30.506 Moving up by 14.6 is 00:01:30.506 -- 00:01:35.113 really, really solid and quite an impressive performance by the team. 00:01:35.113 -- 00:01:40.322 We'll talk about th...