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
Individual Medicare Advantage membership (decline)
“approximately 425,000 members”
Period
FY2025
Measure
Company-defined measure
Source
Prose
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
Box 1438 Louisville, KY 40202 http://www.humana.com FOR MORE INFORMATION CONTACT: Lisa Stoner Humana Investor Relations (502) 580-2652 e-mail: LStamper@humana.com Mark Taylor Humana Corporate Communications (317) 753-0345 e-mail: MTaylor108@humana.com Humana Reports Third Quarter 2025 Financial Results; Affirms Full Year 2025 Adjusted EPS Guidance • Reports 3Q25 earnings per share (EPS) of $1.62 on a GAAP basis, Adjusted EPS of $3.24; reports YTD EPS of $16.43 on a GAAP basis, $21.10 on an Adjusted basis • 3Q25 Insurance segment benefit ratio of 91.1 percent, in line with the company's previously disclosed expectation of 'just above 91 percent' • Updates FY 2025 GAAP EPS guidance to 'approximately $12.26' from the previous estimate of 'approximately $13.77'; affirms Adjusted FY 2025 EPS guidance of 'approximately $17.00' • Affirms FY 2025 Insurance segment benefit ratio guidance range of 90.1 percent to 90.5 percent • Updates FY 2025 individual Medicare Advantage membership guidance to now anticipate a decline of 'approximately 425,000 members' compared to the previous guidance of a decline of 'up to 500,000 members'; driven by stronger retention and better-than-expected sales • Furthers the advancement of the company's long-term strategy through growth in the CenterWell and Medicaid businesses ◦ Actively preparing for the January 1, 2026 launch of the initial phase-in of the Michigan Highly Integrated Dual Eligible Special Needs Plan (HIDE SNP) and the statewide Illinois Fully Integrated Dual Eligible Special Needs Plan (FIDE) programs, as well as the carve-in of dual eligibles into the South Carolina Medicaid program ◦ Growth of 56,600 patients, or nearly 15 percent, in CenterWell Primary Care as compared to December 31, 2024 ◦ Continuation of strong CenterWell Pharmacy growth across payor agnostic offerings with increased Specialty volumes and strong Direct to Consumer growth, both exceeding previous expectations in 3Q25 • Publishes prepared management remarks to Investor Relations page of www.humana.com ahead of this morning's 8:00 a.m. ET question and answer session to discuss its financial results for the quarter and expectations for future earnings LOUISVILLE, KY (November 5, 2025) – Humana Inc. (NYSE: HUM) today
later in the release …
the item shown at left
other guidance in this release
Text is the filed exhibit, verbatim.