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Humana
Humana (HUM) investor relations material
Humana Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary6 Feb, 2026
Executive summary
Achieved 300 new placements and SEK 450 million in net revenue from new projects signed in Q4, including a major elderly care home and LSS group home in Sollentuna, strengthening the growth pipeline across Sweden, Norway, and Finland.
Customer satisfaction index improved to 85, and employee satisfaction remained high at 76.
Earnings per share rose to SEK 4.73 from SEK 2.87, a 65% increase year-over-year, with a proposed dividend of SEK 1.35 per share, up 35%.
Major strategic initiatives included digitalisation, efficiency improvements, and expansion through acquisitions and new care units.
Ongoing M&A activity, including the acquisition of Familiehjelpgruppen in Norway (NOK 120m annual revenue) and Team Olivia Norway, to expand specialized services.
Financial highlights
Net revenue for 2025 was SEK 10,011m, down 3% year-over-year, with organic growth at -1.7%.
Adjusted EBIT for the year at 4.8%, with Q4 adjusted EBIT at SEK 87m, down 20% year-over-year.
Free cash flow for the year was SEK 214m, with SEK 44m allocated to share buybacks and a proposed dividend of SEK 1.35 per share.
Share buybacks totaled SEK 153m for the year, representing 6.7% of total shares.
Net debt at year-end was SEK 1.2 billion, down from SEK 1.5 billion a year ago; leverage ratio improved to 2.5x.
Outlook and guidance
Pipeline of signed projects expected to add SEK 450 million in revenue, with about a third realized each year over the next three years.
Efficiency program on track, with SEK 35 million in savings for 2025 and an additional SEK 20 million expected in 2026.
Continued focus on digitalisation, AI, and organic growth to drive productivity and margin expansion.
Personal assistance client outflow expected to flatten in the second half of 2026, with a small decline still anticipated for the year.
What margin profile for the SEK 450m projects?
Update on digitalization program delays impact?
Any progress on Norway Labour Court claim estimate?
Timing of SEK 450M new revenue contribution?
Outlook for Personal Assistance reclaim impact?
Strategy to improve child & youth segment performance?
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Next Humana earnings date
Q1 202624 Apr, 2026
Humana
Next Humana earnings date
Q1 202624 Apr, 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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