Analyst Ratings February 12, 2026

Truist Cuts Inspire Medical Systems Target, Cites Reimbursement and Authorization Headwinds

Analysts lower outlook despite strong recent earnings as reimbursement frictions and competitive threats weigh on near-term growth

By Caleb Monroe INSP
Truist Cuts Inspire Medical Systems Target, Cites Reimbursement and Authorization Headwinds
INSP

Truist Securities reduced its price target on Inspire Medical Systems to $70 from $96 and kept a Hold rating, pointing to less favorable reimbursement outcomes, new prior authorization delays from CMS' WISeR program, and competitive pressures. The stock is trading near its 52-week low, and other major firms have also trimmed targets or downgraded the shares despite Inspire reporting better-than-expected fourth-quarter 2025 earnings.

Key Points

  • Truist cut its price target on Inspire Medical Systems to $70 from $96 and kept a Hold rating; the new target aligns closely with the stock’s market price near $68.21 and a 52-week low of $64.46. - Markets/Healthcare Equipment
  • Reimbursement outcomes and new prior authorization delays from CMS’ WISeR program are central concerns that could reduce physicians’ incentives to perform the I-5 procedure. - Healthcare/Medicare
  • Other analysts have trimmed targets or downgraded the stock despite Inspire reporting beats on fourth-quarter 2025 EPS ($1.65 vs. $0.68) and revenue ($269.1M vs. $263.81M). - Financial Markets/Healthcare

Overview

Truist Securities has lowered its price target on Inspire Medical Systems (INSP) to $70.00 from $96.00 while keeping a Hold rating on the shares. The new target sits near the company's prevailing market price of $68.21, which itself is close to a 52-week low of $64.46. Over the past year the stock has declined by more than 63%.

Reimbursement and authorization concerns

In its note, Truist pointed to "less favorable" reimbursement outcomes that could reduce incentives for ear, nose, and throat specialists to perform the company’s I-5 procedure, beyond the initial coding confusion observed in the first quarter. The firm also flagged new prior authorization delays tied to the Centers for Medicare & Medicaid Services' WISeR program as an additional constraint on uptake.

The brokerage firm further highlighted potential pressure from growth in GLP-1 weight loss medications and the prospect of competing device trials, both of which it sees as risks to the company’s near-term adoption and procedure volumes.

Market reaction and valuation

Truist noted that shares were down roughly 5-8% on the update, and that the company is trading at about 1.5x enterprise value to sales on its revised outlook. The firm applied a reduced 1.5x EV/Sales multiple to its trimmed 2027 revenue projections, down from a previous 2x multiple. Truist said the change reflects uncertainty over the company’s near-term growth trajectory and a domestic slowdown tied to reimbursement frictions.

Operational buffer

Despite the downgrade in the valuation multiple, Truist acknowledged Inspire's strong unit economics, noting gross margins in excess of 80% and that the company is profitable. The firm suggested those factors offer some downside protection, but maintained the Hold rating and warned the stock "could be stuck for an extended period" while the company seeks a new code in 2028.

Recent financials and broader analyst response

Inspire reported fourth-quarter 2025 results that beat expectations, with earnings per share of $1.65 versus a forecast of $0.68, and revenue of $269.1 million compared with an anticipated $263.81 million. Even with those upside results, several other broker-dealers have adjusted their views on the shares.

  • RBC Capital lowered its price target to $68.00 from $90.00, citing challenges related to Inspire V coding.
  • Piper Sandler cut its target to $85.00 from $165.00 because of reimbursement uncertainty around the Gen 5 device, while maintaining an Overweight rating.
  • Wells Fargo downgraded the stock from Overweight to Equal Weight and set a new target of $70.00, pointing to physician reimbursement concerns.
  • Baird moved its rating from Outperform to Neutral and trimmed its target to $74.00 from $130.00, attributing the change to significant reimbursement challenges that affect the company’s growth outlook.

Technical note

Some technical indicators have shown extreme downside positioning: InvestingPro analysis referenced in the company research suggested the stock appears to be in oversold territory based on RSI readings. That technical insight was noted as one of several data points in the Pro Research Report covering INSP.

Bottom line

Truist’s move reduces the valuation multiple and trims the target to a level roughly in line with the market price, reflecting concern that reimbursement frictions and prior authorization delays could slow procedure adoption and revenue growth. While Inspire’s high gross margins and profitability present a financial buffer, the firm expects the company may remain range-bound until a new coding solution is obtained in 2028.


Key points and impacts are summarized below.

Risks

  • Reimbursement uncertainty - less favorable reimbursement outcomes could discourage ENT specialists from performing Inspire’s I-5 procedure, affecting procedure volumes and revenue. - Healthcare/Payors
  • Prior authorization delays - new delays tied to the CMS WISeR program may slow access and utilization, creating timing risk for patient procedures. - Healthcare/Medicare
  • Competition and treatment substitutes - the emergence of GLP-1 weight loss medications and competing device trials could divert demand and pressure growth assumptions. - Pharmaceutical and Medical Device sectors

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