Earnings Alerts

Humana Inc (HUM) Earnings: Q3 Adjusted EPS of $3.24 Surpasses Estimates, FY 2025 Guidance Revised

By November 5, 2025 No Comments
  • Humana reported third-quarter adjusted earnings per share (EPS) of $3.24, surpassing the estimated $2.83.
  • The company generated revenue of $32.65 billion, with $31.19 billion coming from insurance revenue.
  • Humana’s operating cost ratio stood at 12.6%, slightly above the estimated 11.5%.
  • The company updated its full-year 2025 GAAP EPS guidance to approximately $12.26, down from the previous estimate of $13.77.
  • Humana maintained its adjusted full-year 2025 EPS guidance at approximately $17.00.
  • 2025 guidance for individual Medicare Advantage membership anticipates a decline of about 425,000 members, improved from the earlier forecasted decline of up to 500,000 members, due to stronger retention and higher-than-expected sales.
  • The analyst recommendations include 9 buys, 19 holds, and 1 sell for Humana’s stock.

Humana Inc on Smartkarma

On Smartkarma, an independent investment research network, analysts are closely watching Humana Inc. One notable report titled “Primer: Humana Inc (HUM US) – Sep 2025″ by αSK highlights Humana’s position as a key player in the U.S. health insurance industry, particularly in the thriving Medicare Advantage market. The report points out that while Humana has significant growth potential due to favorable demographic trends, it also faces risks tied to government reimbursement rates and regulations. Recent challenges, such as pressure on profit margins and regulatory scrutiny, have dampened the stock performance, leading to a cautious near-term outlook.

The report delves into Humana’s strategic initiatives, including enhancing clinical excellence, expanding its healthcare services segment, and implementing cost-saving measures to drive future earnings growth. Analysts emphasize that the success of these transformation efforts will be crucial for creating long-term value for shareholders. With insights from top independent analysts, Smartkarma provides a comprehensive view of Humana Inc’s current position and future prospects in the ever-evolving healthcare landscape.


A look at Humana Inc Smart Scores

FactorScoreMagnitude
Value3
Dividend2
Growth3
Resilience3
Momentum4
OVERALL SMART SCORE3.0

Smart Score is a compound score for the Company indicating its overall outlook. It is derived by taking an equally weighted average of underlying Factor scores computed by Smartkarma

Humana Inc. is positioned for a promising long-term future based on the Smartkarma Smart Scores. With solid scores across key factors, including Value, Growth, Resilience, and Momentum, Humana shows strength in various aspects of its operations. The company’s momentum score, in particular, indicates a strong performance trend. This suggests that Humana is likely to continue on a positive trajectory in the coming years.

Overall, Humana Inc.’s Smartkarma Smart Scores reflect a robust outlook for the company. While there may be areas for improvement, such as the Dividend score, Humana’s strong performance in Value, Growth, Resilience, and Momentum signifies a foundation for long-term success. As a managed health care company serving members in the U.S. and Puerto Rico, Humana’s diverse product offerings to various market segments position it well for sustained growth and stability in the evolving healthcare industry.


Disclaimer: This article by Smartkarma is general in nature and based on historical data and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your financial situation. Note that our articles may not factor in the latest price-sensitive company announcements or qualitative material.
While all reasonable care has been taken in the preparation, Smartkarma makes no assurance about the accuracy of any generated data or content. All content is indicative only and should be independently checked for accuracy and confirmed before use. Smartkarma accepts no responsibility for any loss or damage caused as a result of any inaccuracy or error within the Lab online tools or generated data.
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