HU
HUM
Sep 30, 2025
Quarter ended Sep 30, 2025 · FY2025 Q3

Humana Inc. stock research

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

Free cash flow decreased compared to both the prior quarter and the same quarter a year earlier, driven by a lower operating cash flow despite a slight increase in revenue. The free cash flow margin weakened.

Free cash flow takeaway

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

Free cash flow decreased compared to both the prior quarter and the same quarter a year earlier, driven by a lower operating cash flow despite a slight increase in revenue. The free cash flow margin weakened.

  • Revenue was higher than the prior quarter and the year-ago quarter. Operating cash flow was lower than both periods, while capital expenditure was slightly higher than the prior quarter but comparable to the year-ago quarter. Consequently, free cash flow and free cash flow margin were lower.
  • Compared to the immediately preceding quarter, free cash flow and margin were lower. Compared to the same quarter one year earlier, free cash flow and margin were also lower.

FCF snapshot

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

TTM free cash flow

$1.5B

Trailing twelve-month free cash flow.

Quarter free cash flow

$836.0M

Free cash flow in the selected fiscal quarter.

Operating cash flow

$971.0M

Cash generated by operations before capital spending.

CapEx

$135.0M

Capital spending and related asset purchases.

FCF margin

2.6%

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
2024-12-31$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%
2025-09-30$32.6B$971.0M$135.0M$836.0M2.6%

Cash conversion quality

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

FCF / net income428.7%Shows whether accounting earnings convert into cash.
CapEx / revenue0.4%Lower capital intensity usually supports FCF margin.
Net cash-$7.2BCash and equivalents minus total debt.

Recent events shaping cash flow

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

Watch

Operating cash flow decline

Operating cash flow was lower than both the prior quarter and the same quarter last year, while revenue increased. This resulted in a lower free cash flow.

The lower operating cash flow reduced free cash flow and margin.

What the cash flow says

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

Revenue was higher than the prior quarter and the year-ago quarter. Operating cash flow was lower than both periods, while capital expenditure was slightly higher than the prior quarter but comparable to the year-ago quarter. Consequently, free cash flow and free cash flow margin were lower.

Compared to the immediately preceding quarter, free cash flow and margin were lower. Compared to the same quarter one year earlier, free cash flow and margin were also lower.

Monitor the trend in operating cash flow, as it declined from both the prior quarter and the year-ago period.

HUM Free Cash Flow — Quarter Ended Sep 30, 2025