Slide 1: Interim Report Q2 2025
Everyone is entitled to a good life. Interim Report Q2 2025 July 18, 2025
Slide 2: Improvement in Sweden and Norway
Improvement in Sweden and Norway Q2 Highlights Underlying profitability improvement of SEK 17m in Sweden and Norway Transition ongoing in Finland – taken measures will improve profit in H2 A quarter with positive signals, bridging the profitability gap YoY Good performance in targeted growth areas a
Slide 3: Personal assistance with cutting edge legal expertise
Personal assistance with cutting edge legal expertise 3
Slide 4: Driving the future of welfare
Driving the future of welfare
Slide 5: Adjusted EBIT contribution and growth development Q2 (LTM)
Adjusted EBIT contribution and growth development Q2 (LTM) 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 6: Adj. EBIT development
Adj. EBIT development Performance EBIT decreased due to transition in 5,4% Finland and Easter effect 4,2% 4,2% 3,0% 3,0% 8,8% 8,8% -2,1%
Slide 7: Sweden
Sweden Increased underlying profitability mainly due to elderly care and personal assistance Performance Key Takeaways • Underlying operating profit improved by SEK 10m • Increased underlying profitability in Individual & Family • High occupancy and profitability improvement within Elderly Care • HV
Slide 8: Norway
Norway Increased underlying profitability Performance Key Takeaways • Organic growth of 4,1% in Q2 • Profitability improvement • Underlying operating profit improved by SEK 7m • Easter effect • Price increases and synergies compensating for higher personnel costs • Tender won in the Oslo region with
Slide 9: Finland
Finland Transition ongoing Performance Key Takeaways • Decreased profitability • Weak purchasing behavior in SOTE-regions affecting open care and child and welfare services somewhat • Savings program in SOTE-regions until end of 2026. • Continued conversion of child and welfare units • Business area
Slide 10: New financing agreement
New financing agreement Net interest is expected to decrease approx. SEK 35m next 12 months Reduction of net interest assumes: • Lower base interest rates • Lower total credit • Changed loan structure • Lower interest margin 10
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 Q2 2025
Everyone is entitled to a good life. Concluding remarks Q2 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-Sep, Q3 2025 24 Oct 2025 Head of Investor Relations Interim report Jan-Dec, Q4 2025 6 Feb 2026 +46 73 074 7912 ewelina.pettersson@humana.se 16