Humana (HUM) Q3 2025 Earnings Transcript

Motley Fool Transcribing, The Motley Fool

Tue, April 21, 2026 astatine 10:59 AM CDT 44 min read

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Wednesday, November 5, 2025 astatine 8 a.m. ET

• President and Chief Executive Officer — James Rechtin

• Chief Financial Officer — Celeste Mellet

• President, Insurance Segment — George Renaudin

• President, Enterprise Growth — David Dintenfass

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Jim Rechtin, Humana's President and Chief Executive Officer; and Chief Financial Officer, Celeste Mellet. Following these remarks, we volition big a question-and-answer session, wherever Jim and Celeste volition beryllium joined by George Renaudin, Humana's President of the Insurance segment; and David Dintenfass, President of Enterprise Growth. Before we statesman our discussion, I request to counsel telephone participants of our cautionary statement. Certain of the matters discussed successful this league telephone are forward-looking and impact a fig of risks and uncertainties. Actual results could disagree materially.

Investors are advised to work the elaborate hazard factors discussed successful our latest Form 10-K, our different filings with the Securities and Exchange Commission and our 3rd 4th 2025 net property merchandise arsenic they subordinate to forward-looking statements, on with different risks discussed successful our SEC filings. We undertake nary work to publically code oregon update immoderate forward-looking statements successful aboriginal filings oregon communications regarding our concern oregon results. Today's property release, our humanities fiscal quality releases and our filings with the SEC are each besides disposable connected our Investor Relations site. Call participants should enactment that today's treatment includes fiscal measures that are not successful accordance with mostly accepted accounting principles oregon GAAP.

Management's mentation for the usage of these non-GAAP measures and reconciliations of GAAP to non-GAAP fiscal measures are included successful today's property release. Any references to net per stock oregon EPS made during this league telephone notation to diluted net per communal share. Finally, the telephone is being recorded for replay purposes. That replay volition beryllium disposable connected the Investor Relations leafage of our website, humana.com, aboriginal today. With that, I volition crook the telephone implicit to Jim.

James Rechtin: Thanks, Lisa, and bully morning, everyone, and convey you for joining america today. Before we get started, I conscionable privation to instrumentality a 2nd to admit the calamity that occurred present successful Louisville past night, it's had rather an interaction connected the community, and our thoughts spell retired to the assemblage and each the families who are impacted. With that, fto maine crook to the quarter, and fto maine deed the headlines. As you person already seen, we delivered a coagulated 3rd 4th successful enactment with our expectations. Our 3rd 4th aesculapian outgo trends proceed to beryllium successful enactment with expectations, and we besides proceed to expect our afloat twelvemonth 2025 EPS outlook of astir $17.