Humana reports Q4 GAAP loss per share of $6.61, FY2025 adjusted EPS $17.14; FY2026 guided at least $8.89 GAAP

HUMANA INC

2025-FY EPS reported $9.84 revenue$129,664,000,000

4Q25 GAAP net loss per share $6.61; adjusted net loss per share $3.96; FY2025 GAAP EPS $9.84, adjusted EPS $17.14.
FY2026 guidance: GAAP EPS at least $8.89, adjusted EPS at least $9.00, decline due to Star Ratings headwind.
Insurance segment benefit ratio FY2025 90.4% slightly above guidance; individual MA membership up ~20% to 6.28M in Jan 2026.
CenterWell added 100,600 patients in Senior Primary Care (over 25% growth); Medicaid footprint now 13 states.
FY2025 operating cash flows $921M vs $2,966M prior year; debt-to-capitalization 41.1%.

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