Humana AB (FRA:47H)

Q3 2025 Humana AB Earnings Call Transcript

Oct 24, 2025 / 07:00 AM GMT

Release Date Price: €3.81 (-0.26%)

Transcript

Key Points

Positve

Humana AB (STU:47H) achieved an all-time high profit and the best margin in several years at 8.3%.
The turnaround in Finland is completed, leading to a significant profit improvement.
Earnings per share increased by 32% year over year, supported by reduced financing costs.
The company has tripled its pipeline in targeted areas, indicating confidence in its growth strategy.
Humana AB (STU:47H) has taken the lead in sustainability, being the first among peers to set both short and long-term net zero targets.

Negative

The weak demand within the child and youth segments is impacting overall growth.
The divestment of the elderly care business in Finland has affected the group's financials.
The personal assistance segment faces challenges due to a low allowance fee increase of only 1.5%, which may not fully compensate for wage increases.
Despite improvements, Finland's performance was behind in absolute figures compared to other regions.
The company still has unused capacity, indicating potential inefficiencies in resource utilization.

Refinitiv StreetEvents Event Transcript
E D I T E D V E R S I O N

HUMAN.ST - Humana AB
Q3 2025 Humana AB Earnings Call
Oct 24, 2025 / 07:00AM GMT

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Presentation
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Unidentified_1 [1]
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Good morning and welcome to Humana's Q3 2025 presentation.

Today, our CEO Natalie Boulla Nielsen and our CFO, Christopher Herou will present the development in the quarter. Please go ahead, Natalie.

Thank you.

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Unidentified_2 [2]
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We will give you a short introduction, followed by financial and operational performance. We will then wrap it up with concluding remarks and open up for questions.

The man is a Nordic care provider with a high degree of specialized care. We are market leaders within children and young and personal assistant.

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