HU
HUM
Jun 30, 2025
Quarter ended Jun 30, 2025 · FY2025 Q2

Humana Inc. stock research

Humana (HUM) Free Cash Flow — Quarter Ended Jun 30, 2025

In the current quarter, free cash flow improved significantly from the prior quarter, driven by a substantial increase in operating cash flow, while the free cash flow margin remained nearly stable compared to the same quarter last year. The company's cash conversion strengthened sequentially but was broadly consistent with the year-ago period.

Free cash flow takeaway

A quick read on the company's cash generation and what it means for investors.

In the current quarter, free cash flow improved significantly from the prior quarter, driven by a substantial increase in operating cash flow, while the free cash flow margin remained nearly stable compared to the same quarter last year. The company's cash conversion strengthened sequentially but was broadly consistent with the year-ago period.

  • Revenue was slightly higher than the prior quarter, while operating cash flow increased substantially, leading to a much higher free cash flow and margin. Capital expenditure increased modestly.
  • Compared to the immediately preceding quarter, free cash flow and margin improved markedly. Versus the same quarter one year earlier, free cash flow was slightly higher and the margin was nearly unchanged.

FCF snapshot

Quarterly and TTM cash-flow metrics with the minimum valuation context.

TTM free cash flow

$2.4B

Trailing twelve-month free cash flow.

Quarter free cash flow

$1.2B

Free cash flow in the selected fiscal quarter.

Operating cash flow

$1.3B

Cash generated by operations before capital spending.

CapEx

$114.0M

Capital spending and related asset purchases.

FCF margin

3.6%

The share of revenue converted into free cash flow.

Cash flow trend

A short quarterly history shows whether FCF is scaling with revenue or only spiking for one period.

PeriodRevenueOperating CFCapExFCFFCF margin
2024-09-30$29.4B$1.9B$130.0M$1.7B5.9%
2024-12-31$29.2B-$528.0M$154.0M-$682.0M-2.3%
2025-03-31$32.1B$331.0M$95.0M$236.0M0.7%
2025-06-30$32.4B$1.3B$114.0M$1.2B3.6%

Cash conversion quality

Checks that separate high-quality free cash flow from accounting noise or working-capital timing.

FCF / net income212.3%Shows whether accounting earnings convert into cash.
CapEx / revenue0.4%Lower capital intensity usually supports FCF margin.
Net cash-$8.5BCash and equivalents minus total debt.

Recent events shaping cash flow

Near-term business events that help explain the free cash flow result.

Supportive

Operating cash flow surge

Operating cash flow rose sharply from the prior quarter, far exceeding the modest revenue growth, which drove the sequential improvement in free cash flow.

This surge was the primary factor behind the higher free cash flow and margin this quarter.

What the cash flow says

How to interpret the company's free cash flow beyond the headline number.

Revenue was slightly higher than the prior quarter, while operating cash flow increased substantially, leading to a much higher free cash flow and margin. Capital expenditure increased modestly.

Compared to the immediately preceding quarter, free cash flow and margin improved markedly. Versus the same quarter one year earlier, free cash flow was slightly higher and the margin was nearly unchanged.

Monitor the increase in receivables from year-end levels as reported in the balance sheet.