HighGravityDataHumana — Nov 5, 2025 release
Fiscal 2025 third-quarter results · 8-K Item 2.02 · Exhibit 99.1 · 0000049071-25-000055
Showing in the filing
Insurance segment income from operations - GAAP
“$1.6 billion to $2.0 billion”
Period
FY2025
Measure
GAAP-tied
Source
Guidance table
All guidance in this release · 25
GAAP EPS for FY2025
“approximately $12.26”
Insurance segment benefit ratio for FY2025
“90.1 percent to 90.5 percent”
Individual Medicare Advantage membership (de… for FY2025
“approximately 425,000 members”
Adjusted FY 2025 EPS for FY2025
“approximately $17.00”
Diluted earnings per share (EPS) - Adjusted … for FY2025
“approximately $17.00”
Diluted EPS - Non-GAAP for FY2025
“approximately $17.00”
Diluted EPS - GAAP for FY2025
“approximately $12.26”
Diluted earnings per share (EPS) - GAAP for FY2025
“approximately $12.26”
Total Revenues Consolidated - GAAP for FY2025
“at least $128 billion”
Total Revenues Insurance segment - GAAP for FY2025
“at least $123 billion”
Total Revenues CenterWell segment - GAAP for FY2025
“at least $21.5 billion”
Change in year-end medical membership - Indi… for FY2025
“Decline of approximately 425,000”
Change in year-end medical membership - Grou… for FY2025
“Relatively flat”
Change in year-end medical membership - Medi… for FY2025
“Growth of approximately 200,000”
Change in year-end medical membership - Stat… for FY2025
“Growth of approximately 160,000”
Operating Cost Ratio - Consolidated GAAP for FY2025
“11.6% to 12.1%”
Operating Cost Ratio - Consolidated Non-GAAP for FY2025
“11.3% to 11.7%”
Insurance segment income from operations - G… for FY2025
“$1.6 billion to $2.0 billion”
CenterWell segment income from operations - … for FY2025
“$1.1 billion to $1.5 billion”
CenterWell segment income from operations - … for FY2025
“$1.3 billion to $1.7 billion”
Effective Tax Rate - GAAP for FY2025
“approximately 20.0%”
Effective Tax Rate - Non-GAAP for FY2025
“approximately 25.0%”
Weighted Avg. Share Count for Diluted EPS for FY2025
“approximately 121 million”
Cash flows from operations - GAAP for FY2025
“$2.4 billion to $2.9 billion”
Capital expenditures for FY2025
“approximately $650 million”
Exhibit 99.1 · the passage around this item
… earlier in the release
Due to charges incurred to date and charges that could potentially be recorded related to the company's ongoing value creation and other strategic initiatives, the company anticipates potential changes to its FY 2025 GAAP ratio. Segment Results Insurance segment income from operations no change GAAP: $1.6 billion to $2.0 billion CenterWell segment Non-GAAP income from operations excludes the projected impact of segment depreciation and amortization. CenterWell segment income from operations no change GAAP: $1.1 billion to $1.5 billion Non-GAAP: $1.3 billion to $1.7 billion Effective Tax Rate GAAP: approximately 20.0% Non-GAAP: approximately 25.0% GAAP: approximately 25.0% Weighted Avg. Share Count for Diluted EPS no change approximately 121 million Cash flows from operations no change GAAP: $2.4 billion to $2.9 billion Capital expenditures no change approximately $650 million 14 Humana Inc. Statistical Schedules and Supplementary Information 3Q25 Earnings Release S-1 Humana Inc. Statistical Schedules and Supplementary Information 3Q25 Earnings Release (S-3) Summary of Results - Consolidated and Segments - Quarter & YTD (S-4) Consolidated Statements of Income - Quarter & YTD (S-5) Consolidated Balance Sheets (S-6) Consolidated Statements of Cash Flows - YTD (S-7) - (S-8) Consolidating Statements of Income - Quarter (S-9) - (S-10) Consolidating Statements of Income - YTD (S-11) Membership Detail (S-12) Premiums and Services Revenue Detail (S-13) - (S-15) CenterWell Segment - Pharmacy Solutions, Primary Ca
later in the release …
the item shown at left
other guidance in this release
Text is the filed exhibit, verbatim.