Teladoc (4LL) AI Stock Analysis

Teladoc

(Frankfurt:4LL)

Rating:―N/A

Action:N/A

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Positive Factors

Recurring Cash GenerationConsistently positive operating and free cash flow gives Teladoc internal funding capacity despite reported losses. This supports investment in products, debt management, and operations while reducing reliance on external capital over the next several quarters.

Negative Factors

BetterHelp Revenue DeclinePersistent declines in BetterHelp revenue and paying users weaken consolidated growth and create pressure on the company’s largest consumer-facing business. Insurance expansion is progressing, but management still expects cash-pay weakness to remain a material headwind.

Teladoc (4LL) vs. iShares MSCI Germany ETF (EWG)

Market Cap: EUR 1.55B
Dividend Yield: ―
Average Volume (3M): 350
Price to Earnings (P/E): -9.9
Beta (1Y): 1.32
Revenue Growth: -7.31%
EPS Growth: 36.96%
Country: Germany
Employees: 5,124
Sector: Healthcare
Sector Strength: 51
Industry: Medical - Healthcare Information Services

Teladoc Business Overview & Revenue Model

Company Description

Teladoc Health, Inc. offers remote medical services to individuals both domestically in the United States and internationally. Their extensive range of solutions covers a wide array of health needs, from routine and acute conditions to complex and lo...

Teladoc Earnings Call Summary

Earnings Call Date:Oct 27, 2026(Q3-2026)|% Change Since:35.74%|Next Earnings Date:Feb 22, 2027

Earnings Call SentimentPositive

The call was positive overall. Management reported a solid third quarter with adjusted EBITDA above guidance, expanding margins, strong cash flow and liquidity, improved leverage, Integrated Care growth, and accelerating BetterHelp insurance traction. These positives outweighed the ongoing BetterHelp cash pay decline, lower total revenue and paying users, margin pressure, and continued uncertainty around the business transition.

Positive Updates

Adjusted EBITDA Beat Guidance and Expanded Year Over Year

Third-quarter consolidated adjusted EBITDA was $79 million, up 13.5% year over year and above the high end of guidance. Adjusted EBITDA margin increased approximately 200 basis points year over year to 13.1%.

Negative Updates

Consolidated Revenue Declined Year Over Year

Third-quarter consolidated revenue declined 3.4% year over year to $605 million.

Company Guidance

For 2026, Teladoc expects consolidated revenue of $2.39 billion to $2.44 billion, adjusted EBITDA of $277 million to $303 million, free cash flow of $135 million to $165 million, stock based compensation expense below $50 million, and a full year net loss per share of a loss of $0.95 per share to a loss of $0.75 per share; fourth-quarter consolidated revenue is expected to be $569 million to $615 million and adjusted EBITDA $74 million to $100 million. Integrated care revenue growth is expected to be 1.1% to 2.1%, adjusted EBITDA margin 16% to 16.6%, fourth-quarter revenue flat to up 3.8%, and fourth-quarter adjusted EBITDA margin 14.5% to 16.8%; BetterHelp revenue is expected to decline 16.1% to 12.9%, insurance revenue is expected to be $99 million to $105 million, adjusted EBITDA margin 2.7% to 4.3%, fourth-quarter revenue down 31.5% to down 18.5%, insurance revenue $32 million to $38 million, and adjusted EBITDA margin 9.2% to 15.1%. For 2027, Teladoc expects continued growth in insurance, a goal of sequential quarterly improvement over the course of 2027, and a goal of achieving an annualized revenue run rate of at least $200 million as we exit 2027; BetterHelp advertising and marketing spending is expected to decline in the mid to high-20% range for the full year in 2027.

Teladoc Risk Analysis

Teladoc disclosed 58 risk factors in its most recent earnings report. Teladoc reported the most risks in the "Legal & Regulatory" category.

Legal & Regulatory - Litigation, compliance, new legislation, and taxation risks

Latest Risks Added

1 New Risk

1.For a discussion of potential risks and uncertainties related to our Company see the information in Part I, Item 1A. “Risk Factors” of our Annual Report on Form 10-K for the year ended December 31, 2025, as well as the risk factors set forth below.In addition to the other information set forth in this Quarterly Report on Form 10-Q, you should carefully consider the factors discussed in the “Special Note Regarding Forward-Looking Statements” section in Part I,Q2, 2026

Teladoc Peers Comparison

Overall Rating

UnderperformOutperform

Sector (51)

Financial Indicators

DE:4LL against its peers
Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
DOCS	76Outperform	$5.84B	36.81	16.95%	―	11.18%	-28.59%
HNGE	69Neutral	$9.22B	84.89	30.25%	―	49.76%	―
OMDA	67Neutral	$1.15B	275.85	1.84%	―	47.63%	―
AMWL	53Neutral	$216.52M	-2.67	-33.27%	―	-19.00%	40.98%
Sector *	51Neutral	$7.86B	-0.30	-43.30%	2.27%	22.53%	-2.21%
VSEE	41Neutral	$1.43M	-0.05	-400.87%	―	-9.31%	89.42%

* Healthcare Sector Average

Performance Comparison

DE:4LL and its peers over the selected period
Ticker	Company Name	Price	Change	% Change
DE:4LL	Teladoc Inc.	7.76	0.28	3.69%
AMWL	American Well Corporation	12.73	7.64	150.10%
DOCS	Doximity, Inc.	32.76	-34.19	-51.07%
VSEE	Vsee Health, Inc.	1.78	-77.42	-97.75%
HNGE	Hinge Health, Inc. Class A	114.32	63.98	127.10%
OMDA	Omada Health, Inc.	18.73	-6.94	-27.04%

Glossary

BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

Disclaimer

This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.

Teladoc AI Stock Analysis