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Humana (HUM) investor relations material
Humana Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary24 Oct, 2025
Executive summary
Achieved all-time high operating profit of SEK 206m and margin at 8.3% in Q3 2025, with a 32% year-over-year increase in earnings per share, driven by efficiency gains, reduced financing costs, and a completed turnaround in Finland.
Tripled growth pipeline in targeted areas, supporting confidence in future growth strategy and industry leadership in sustainability.
Received SBTi validation for climate targets, first among peers to set both short- and long-term net zero targets by 2050.
Efficiency and consolidation programs delivered SEK 40m in annual effects year-to-date, targeting SEK 100m by end of 2026.
Net profit after tax for Q3 was SEK 120m, up 27% year-over-year.
Financial highlights
Q3 net revenue: SEK 10,215m (up 2% year-over-year); Q3 operating profit: SEK 206m (up 6%); operating margin: 8.3% (up from 7.3%).
Free cash flow for the last twelve months was SEK 186m, with significant utilization for dividends and share buybacks; Q3 free cash flow was SEK -17m due to SEK 307m loan repayment.
SEK 18m one-off investment subsidy received, positively impacting cash flow.
SEK 40m in cost savings already executed, with SEK 10m net benefit realized in Q3.
Adjusted operating margin LTM stable at 4.6%.
Outlook and guidance
Focus on securing organic growth by signing more projects and filling unused capacity, with continued digitalization and AI implementation to drive efficiency.
Personal assistance segment expected to face challenges in Q4 and maintain current profitability levels in 2026 due to limited allowance fee increase, with improvement postponed to 2027.
Norwegian margin run rate expected to be above 6%, with continued improvement; Finland run rate at 6.5% with further increases anticipated.
New loan agreement expected to reduce annual net interest by SEK 35m.
Growth-oriented organization moving forward, especially in disability services.
Finland Q3 margin: sustainable drivers?
Norway overtime claim: next steps & impact?
Growth pipeline impact on organic growth?
Personal Assistance profitability outlook 2024?
Net benefit from efficiency program in Q3?
Risk profile of new pipeline units?
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Next Humana earnings date
Q4 20256 Feb, 2026
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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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