Humana Inc
DUS:HUM

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Humana Inc
DUS:HUM
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Price: 237.1 EUR 0.55% Market Closed
Market Cap: 29.2B EUR

Humana Inc
Investor Relations

In the rapidly evolving landscape of American healthcare, Humana Inc. stands as a formidable player, interweaving its mission to improve public health with robust profitability. Founded in 1961, Humana began as a nursing home company and has since metamorphosed into one of the United States' leading health insurance and managed care providers. The company's core business revolves around offering diversified health insurance plans, with a strong emphasis on Medicare Advantage. This government-subsidized program allows private insurers to offer Medicare benefits, which Humana artfully packages with additional services like dental, vision, and wellness programs. This strategy not only broadens its appeal to the aging baby boomer demographic but also ensures a steady stream of revenue supported by federal payments.

Humana's financial narrative is enriched by its commitment to integrating care delivery and health plan administration. Through strategic acquisitions and partnerships, the company has expanded its capabilities beyond traditional insurance, diving into health services such as primary care centers and home health services. This integration allows Humana to control costs more effectively, directly improving patient outcomes and enhancing customer loyalty. With data-driven insights and a proactive approach towards preventative care, Humana aligns its operations to both elevate the customer experience and drive down healthcare expenditures—cultivating a cycle that reinforces its market position and financial performance.

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Last Earnings Call
Fiscal Period
Q3 2025
Call Date
Nov 5, 2025
AI Summary
Q3 2025

Results Inline: Humana reported third quarter results in line with expectations, maintaining consistent medical cost trends and reaffirming its full-year 2025 EPS outlook of about $17.

Growth Strategy: Focus remains on maximizing customer lifetime value and retention, with new sales at the high end of expectations but a willingness to limit growth to protect member experience.

Operations & Cost Cutting: The company highlighted operational efficiencies, including a new partnership with Genpact and AI-enabled systems, targeting more than $100 million in multiyear savings.

Stars Ratings: 2027 Stars results were disappointing but consistent with expectations; management remains confident in returning to top quartile performance in bonus year 2028, citing ongoing improvements.

Capital Allocation: Humana is selling noncore assets, including the Enclara Pharmacia business, and deploying capital into targeted acquisitions such as the Villages Health.

Margin Outlook: Management expects individual Medicare Advantage margins, excluding Stars, to double in 2026 versus 2025, with ongoing focus on stable, balanced product portfolios.

Market Trends: The Medicare Advantage market is expected to grow at mid-single digits, with Humana not seeing significant changes versus prior years.

Key Financials
EPS
$17
Incremental Investments
$150 million
Cost Savings Target
$100 million
Debt-to-Capital Ratio
40.3%
Earnings Call Recording
Other Earnings Calls

Management

Ms. Susan Marie Diamond
Chief Financial Officer
No Bio Available
Mr. Joseph C. Ventura
Chief Legal Officer
No Bio Available
Mr. George Renaudin II
President of Medicare & Medicaid
No Bio Available
Dr. Sanjay K. Shetty M.B.A., M.D.
President of CenterWell
No Bio Available
Mr. James A. Rechtin M.B.A.
President, CEO & Director
No Bio Available
Mr. John-Paul William Felter
Senior VP, Chief Accounting Officer, Principal Accounting Officer & Controller
No Bio Available
Mr. Eric Tagliere
Senior VP & CTO
No Bio Available
Mr. Samir M. Deshpande
Chief Information Officer
No Bio Available
Ms. Lisa M. Stoner
Vice President of Investor Relations
No Bio Available
Dr. Vishal Agrawal M.D.
Chief Strategy & Corporate Development Officer
No Bio Available

Contacts

Address
KENTUCKY
Louisville
500 W Main St
Contacts
+15025801000.0
www.humana.com