Humana AB (publ) (HUM) Q3 2025 Earnings Call

Investor webinar replay

Replay transcript excerpt

Good morning and welcome to Humana's Q3 2025 presentation. Today, our CEO, Nathalie Boulas-Nilsson, and our CFO, Christoffer Heroux, will present the development in the quarter. Please go ahead, Nathalie. Thank you. We will give you a short introduction, followed by financials and operational performance. We will then wrap it up with concluding remarks and open up for questions. Demana is a Nordic care provider with a high degree of specialized care. We are market leaders within children and young and personal assistance. We drive our development through digitalization, AI, sustainability, and by measuring the outcome of our services. We had an all-time high profit and the best margin in several years of 8.3%. The turnaround in Finland is completed successfully. we have a significant profit improvement in personal assistance, and we have continued improved profitability in Norway, now up to 9%. This, together with reduced financing costs, the earnings per share is up with 32% year over year. We have tripled our pipeline in targeted areas, which gives us confidence in our growth strategy moving forward. We will get back more on this topic in coming presentations. Humana has also taken the lead within the sustainability area, and all in all, we are in a strong position for continued positive development. During the quarter, Humana received validation by SPTI on our climate targets. We were the first amongst our peers to achieve this. We are also the first to test both short- and long-term net zero targets, something we are very proud of. Humana has during the year been ranked as the number one in sustainability, which is part of the Morningstar group. For us with a high degree of specialized care for customers and clients with complex needs and challenging behaviors, t...