On the other hand, loss or impairment of either WellCare Health Plans or WellCare Florida, Inc.'s major government contracts, negative EBITDA for any 12-month period, debt to EBITDA exceeding 3x and consolidated RBC below 150% of the WellCare Health Plans' action level, can lead to ratings downgrade. Shares of WellCare Health have outperformed the Zacks-categorized HMO industry, year to date. Strong growth both in the bottom line and top line, along with stellar premium and investment income growth, have led to the outperformance. Moreover, a robust liquidity position backed by strong cash flow generation has helped the company to invest in strategic initiatives, which in turn, has accelerated its growth.