Humana (HUM) Reports Q3 Earnings: What Key Metrics Have to Say

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.Zacks Names #1 Semiconductor StockThis under-the-radar company specializes in semiconductor products that titans like NVIDIA don't build. It's uniquely positioned to take advantage of the next growth stage of this market. And it's just beginning to enter the spotlight, which is exactly where you want to be.With strong earnings growth and an expanding customer base, it's positioned to feed the rampant demand for Artificial Intelligence, Machine Learning, and Internet of Things. Global semiconductor manufacturing is projected to explode from $452 billion in 2021 to $971 billion by 2028.See This Stock Now for Free >>Want the latest recommendations from Zacks Investment Research? Today, you can download 7 Best Stocks for the Next 30 Days. Click to get this free report Humana Inc. (HUM): Free Stock Analysis ReportThis article originally published on Zacks Investment Research (zacks.com).Zacks Investment ResearchWeiter zum vollständigen Artikel bei Zacks Weiter zum vollständigen Artikel bei Zacks