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Investor Relations14 Oct 2025
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Humana (HUM) investor relations material
Humana Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary18 Jul, 2025
Executive summary
Underlying profitability improved in Sweden and Norway, with strong performance in targeted growth areas and SEK 100 million in new annual revenue contracts signed.
Finland remains in transition, with measures expected to improve profitability from Q3 onward.
Strong cash flow, net debt reduction, and share repurchases reported for the quarter.
New financing agreement and efficiency programs expected to reduce costs by SEK 100 million when fully implemented.
Net revenue for Q2 2025 was SEK 2,506m, down 1% year-over-year; six-month revenue rose 2% to SEK 5,039m.
Financial highlights
Last twelve months' revenue grew 7% year-over-year, mainly from the Team Olivia Norway acquisition; offset by divestment of elderly care in Finland.
Adjusted EBIT for the last twelve months was SEK 496 million; adjusted EBIT contribution up 7% year-over-year.
Free cash flow for Q2 was SEK 107m, up from SEK 19m; net debt decreased to SEK 1,295m.
Organic growth LTM at 4.6%; Q2 organic growth was -1.5%.
Net debt/rolling 12-month adjusted EBITDA (excl. lease liabilities) improved to 2.7x from 3.8x.
Outlook and guidance
Positive outlook with expected significant improvements in Finland from Q3 onward, though not yet at prior-year levels.
Efficiency and consolidation programs, along with refinancing, projected to reduce costs by SEK 100 million.
Focus on organic growth, digitalization, and AI initiatives to drive future competitive advantage.
Growth projects totaling SEK 100m in prioritized areas signed, with new units planned in Sweden and Finland.
Detail Humana's Phase 3 plans for Finland.
What is driving Individual & Family EBIT?
Elaborate on AI initiatives' competitive edge.
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Q3 202524 Oct, 2025
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Frequently asked questions
Humana provides health insurance products and services, including medical and specialty insurance plans, primarily targeting individuals, employers, and government-sponsored programs. The company’s offerings include Medicare Advantage plans, group health insurance, and healthcare services such as wellness programs. The company is headquartered in Louisville, Kentucky, and its shares are listed on the NYSE.
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