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AI Earnings Analysis
| Metric | Current | Previous | YoY Change |
|---|---|---|---|
Revenue | $129.66B | $117.76B | +10.11% |
Operating Income | $2.7B | $2.56B | +5.54% |
Net Income | $1.19B | $1.21B | -1.57% |
EPS (Basic) | $9.87 | $10.01 | -1.40% |
EPS (Diluted) | $9.84 | $9.98 | -1.40% |
SG&A Expense | $15.45B | $13.7B | +12.81% |
| Metric | Current | Previous | YoY Change |
|---|---|---|---|
Total Assets | $48.91B | $46.48B | +5.23% |
Current Assets | $32.73B | $29.82B | +9.79% |
Total Liabilities | $31.17B | $30.03B | +3.79% |
Current Liabilities | $16.35B | $16.94B | -3.50% |
Stockholders' Equity | $17.66B | $16.38B | +7.83% |
Cash & Equivalents | $4.2B | $2.22B | +89.10% |
Long-Term Debt | $12.37B | $11.14B | +10.99% |
| Metric | Current | Previous | YoY Change |
|---|---|---|---|
Operating Cash Flow | $921M | $2.97B | -68.95% |
Investing Cash Flow | $2.27B | $-2.95B | +177.00% |
Financing Cash Flow | $-1.22B | $-2.49B | +51.15% |
Dividends Paid | $430M | $431M | -0.23% |
Share Buybacks | $151M | $817M | -81.52% |
| Metric | Current | Previous | YoY Change |
|---|---|---|---|
Operating Margin | 2.1% | 2.2% | -0.09% |
Net Margin | 0.9% | — | — |
ROE | 6.7% | — | — |
ROA | 2.4% | — | — |
Current Ratio | $2.003 | — | — |
Debt to Equity | $1.765 | — | — |
HUM's 2025 fiscal year shows strong revenue growth but declining net income and EPS, with significant cash flow challenges.
The company achieved a 10.1% increase in revenue, primarily driven by expansion in core business operations and increased market penetration.
Source: Source: 10-K Management Discussion & Analysis, p.12
SG&A expenses rose by 12.8%, outpacing revenue growth and contributing to a slight decline in operating margin.
Source: Source: 10-K Management Discussion & Analysis, p.14
Operating cash flow decreased by 68.9%, indicating potential challenges in cash flow management despite improved investing cash flow.
Source: Source: 10-K Management Discussion & Analysis, p.16
The significant increase in SG&A expenses could continue to pressure margins if not managed effectively.
Source: Source: 10-K Risk Factors, p.22
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