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

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WEBVTT 00:00:00.031 -- 00:00:05.760 Good morning and welcome to Humana's Q3 2025 presentation. 00:00:05.760 -- 00:00:10.928 Today, our CEO, Nathalie Boulas-Nilsson, and our CFO, Christoffer 00:00:10.928 -- 00:00:14.133 Heroux, will present the development in the quarter. 00:00:14.133 -- 00:00:15.756 Please go ahead, Nathalie. 00:00:15.756 -- 00:00:17.679 Thank you. 00:00:17.679 -- 00:00:22.847 We will give you a short introduction, followed by financials and operational performance. 00:00:22.847 -- 00:00:28.513 We will then wrap it up with concluding remarks and open up for questions. 00:00:28.870 -- 00:00:33.336 Demana is a Nordic care provider with a high degree of specialized care. 00:00:33.336 -- 00:00:38.403 We are market leaders within children and young and personal assistance. 00:00:38.403 -- 00:00:43.550 We drive our development through digitalization, AI, sustainability, and by 00:00:43.550 -- 00:00:47.452 measuring the outcome of our services. 00:00:48.276 -- 00:00:53.363 We had an all-time high profit and the best margin in several years of 8.3%. 00:00:53.363 -- 00:00:55.125 The 00:00:55.125 -- 00:00:57.355 turnaround in Finland is completed successfully. 00:00:57.355 -- 00:01:02.722 we have a significant profit improvement in personal assistance, and we have continued 00:01:02.722 -- 00:01:07.728 improved profitability in Norway, now up to 9%. 00:01:07.728 -- 00:01:12.894 This, together with reduced financing costs, the earnings per share is up with 00:01:12.894 -- 00:01:17.900 32% year over year. We have tripled our pipeline in targeted 00:01:17.900 -- 00:01:23.347 areas, which gives us confidence in our growth strategy moving forward. 00:01:23.347 -- 00:01:27.427 We will get back more on this topic in coming presentations. 00:01:27.427 -- 00:01:32.655 ...