Humana (HUM) reported $32.65 billion in revenue for the quarter ended September 2025, representing a year-over-year increase of 11.4%. EPS of $3.24 for the same period compares to $4.16 a year ago.
The reported revenue compares to the Zacks Consensus Estimate of $31.98 billion, representing a surprise of +2.09%. The company delivered an EPS surprise of +11.34%, with the consensus EPS estimate being $2.91.
While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health.
As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.
Here is how Humana performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:
- Benefits Expense Ratio - Consolidated: 91.1% versus the eight-analyst average estimate of 90.9%.
- Medical Membership - Medicare stand-alone PDP: 2.45 million versus 2.46 million estimated by five analysts on average.
- Medical Membership - State-based contracts and other: 1.66 million compared to the 1.65 million average estimate based on five analysts.
- Medical Membership - Group Medicare Advantage: 569.8 thousand versus 558.84 thousand estimated by five analysts on average.
- Revenues- Investment income (loss): $338 million versus $271.05 million estimated by eight analysts on average. Compared to the year-ago quarter, this number represents a -1.5% change.
- Revenues- Premiums: $30.71 billion versus $30.35 billion estimated by eight analysts on average. Compared to the year-ago quarter, this number represents a +9.9% change.
- Revenues- Services: $1.6 billion compared to the $1.39 billion average estimate based on seven analysts. The reported number represents a change of +45.1% year over year.
- Insurance segment- Services revenue- Military services and other: $267 million versus the six-analyst average estimate of $222.94 million. The reported number represents a year-over-year change of +24.8%.
- Revenue- CenterWell: $5.88 billion versus $5.49 billion estimated by six analysts on average. Compared to the year-ago quarter, this number represents a +16.6% change.
- Revenue- Insurance: $31.19 billion versus the six-analyst average estimate of $30.72 billion. The reported number represents a year-over-year change of +9.9%.
- CenterWell segment- Total Services revenue- External: $1.33 billion compared to the $1.17 billion average estimate based on six analysts. The reported number represents a change of +52% year over year.
- CenterWell segment- Services revenue- Pharmacy solutions: $352 million versus $349.81 million estimated by five analysts on average.
View all Key Company Metrics for Humana here>>>
Shares of Humana have returned -4.5% over the past month versus the Zacks S&P 500 composite's +1% change. The stock currently has a Zacks Rank #2 (Buy), indicating that it could outperform the broader market in the near term.
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Humana Inc. (HUM): Free Stock Analysis ReportThis article originally published on Zacks Investment Research (zacks.com).
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