Humana Inc. · NYSE:HUM
Humana — Q1 2025 Earnings Presentation
16 slides from Humana's earnings presentation, Apr 24, 2025
Slide 1: Interim Report Q1 2025
Everyone is entitled to a good life. Interim Report Q1 2025 April 24, 2025
Slide 2: Continued improvement in profitability
Continued improvement in profitability Q1 Highlights Profitability improvement Continued profitable organic growth in Norway A quarter with positive signals, bridging Divestment of elderly care units finalised in Finland the profitability gap YoY - business area under transition and taking a major s
Slide 3: Specialised competence
Specialised competence Competence for the benefit of the client creating high client satisfaction Research & Development Evidence based methods Internal competence transfer Humana Academy Strong core values
Slide 4: B12 – A future instead of a life of crime
B12 – A future instead of a life of crime HVB – a part of the solution “Building relationships and involvement are crucial for change. Being able to say no, manage conflicts and treat other people with respect are key aspects in young people's development. “ 4
Slide 5: Driving the future of welfare
Driving the future of welfare Social impact
Slide 6: Adjusted EBIT contribution and growth development Q1
Adjusted EBIT contribution and growth development Q1 Growth trend Adj EBIT contribution 5,4% 5,4% 4,2% 4,2% 3,0% 3,0% 8,8% 8,8% -2,1% -2,1%
Slide 7: Adj. EBIT development
Adj. EBIT development Performance EBIT increase driven by acquisition, price increases and increased occupancy in 5,4% Elderly Care in Sweden 4,2% 4,2% 3,0% 3,0% 8,8% 8,8% -2,1%
Slide 8: Sweden
Sweden Increased profitability due to price increases and efficiency Performance Key Takeaways • Increased profitability in Individual & Family • High occupancy within Elderly Care • Occupancy decrease in Child & Youth and Adult, primarily in HVB • Price increases • Partly offset by higher personnel
Slide 9: Norway
Norway Profitability improvement and strong growth Performance Key Takeaways • Continued high organic growth of 7,6% in Q1 • Profitability improvement • Price increases, offsetting increased personnel costs • Increased occupancy, mainly in Child & Youth. • Integration of Team Olivia • Synergies have
Slide 10: Finland
Finland Divestment of elderly care units and decreased demand Performance Key Takeaways • Divestment of elderly care units finalised • Decreased profitability • Weak purchasing behavior in SOTE-regions affecting non-mandatory services • Business area in transition • One new unit opened • High activi
Slide 11: Free cash flow
Free cash flow Free cash flow LTM excl. IFRS 16 (SEKm) 11
Slide 12: Free cash flow
Free cash flow Utilisation of Free cash flow LTM (SEKm) 12
Slide 13: Financial targets and development
Financial targets and development Organic Growth Profitability Capital Structure
Slide 14: Concluding remarks Q1 2025
Everyone is entitled to a good life. Concluding remarks Q1 2025
Slide 15: Summary
Summary Focus going forward A quarter with positive signals, bridging the profitability gap YoY and taking a major step forward in quality competition
Slide 16: Thanks!
Thanks! Financial Calendar Further Information Ewelina Pettersson Interim report Jan-Jun, Q2 2025 18 Jul 2025 Head of Investor Relations Interim report Jan-Sep, Q3 2025 24 Oct 2025 +46 73 074 7912 Interim report Jan-Dec, Q4 2025 6 Feb 2026 ewelina.pettersson@humana.se 16