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Oscar Health, Inc. logo

Oscar Health, Inc.

OSCR

NYSEHealthcareMedical - Healthcare Plans

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Previous close

$32.04

+$0.47 · +1.49%

Aug 21, 4:00 PM ET

OSCR company overview

Regular session · ET · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

GoAI score

Sell

Trim exposure — unfavorable risk-reward

Valuation

7

Overpriced

Momentum

71

Gaining

Sentiment

45

Mixed

Risk resilience

46

Elevated Risk

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AI-generated, informational only, and not investment advice.

Company profile

Industry
Medical - Healthcare Plans
Sector
Healthcare
Headquarters
US

Market position

Day range

Current $32.04

52-week range

Current $32.04

Open
$31.43
Previous close
$31.57
Volume
5.35M
Market cap
8.31B USD
50-day average
$29.9794
+6.87% above average
200-day average
$19.7182
+62.49% above average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
1.43B USD
P/E (TTM)
18.74×
P/B (TTM)
4.72×
P/S (TTM)
0.54×
EV / EBITDA
-3.65×
Earnings yield
-11.75%
Free cash flow yield
28.07%
Dividend yield
0.00%

Profitability & efficiency

Gross margin
44.93%
Operating margin
4.07%
Net margin
3.60%
Return on equity
-45.33%
Return on assets
-7.01%
Return on invested capital
-27.10%

Financial health

Debt / equity
0.21×
Current ratio
0.95×
Altman Z-score
1.88
Piotroski F-score
6 of 9

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends113%61%9%-43%Gross margin, FY2021: 100.00%Gross margin, FY2022: 100.00%Gross margin, FY2023: 20.82%Gross margin, FY2024: 20.10%Gross margin, FY2025: 14.38%Operating margin, FY2021: -29.70%Operating margin, FY2022: -14.79%Operating margin, FY2023: -4.02%Operating margin, FY2024: 0.62%Operating margin, FY2025: -3.39%Net margin, FY2021: -29.81%Net margin, FY2022: -14.70%Net margin, FY2023: -4.62%Net margin, FY2024: 0.28%Net margin, FY2025: -3.79%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 100.00%. Gross margin FY2022 100.00%. Gross margin FY2023 20.82%. Gross margin FY2024 20.10%. Gross margin FY2025 14.38%. Operating margin FY2021 -29.70%. Operating margin FY2022 -14.79%. Operating margin FY2023 -4.02%. Operating margin FY2024 0.62%. Operating margin FY2025 -3.39%. Net margin FY2021 -29.81%. Net margin FY2022 -14.70%. Net margin FY2023 -4.62%. Net margin FY2024 0.28%. Net margin FY2025 -3.79%.

Income trends

Revenue

11.7B USD+27.50%

Operating income

−396.36M USD−453.62M USD

Net income

−443.15M USD−468.58M USD
Income trends across reported periods12.93B USD8.01B USD3.08B USD−1.84B USDRevenue, FY2021: 1.92B USDRevenue, FY2022: 4.13B USDRevenue, FY2023: 5.86B USDRevenue, FY2024: 9.18B USDRevenue, FY2025: 11.7B USDOperating income, FY2021: −570.58M USDOperating income, FY2022: −610.08M USDOperating income, FY2023: −235.62M USDOperating income, FY2024: 57.27M USDOperating income, FY2025: −396.36M USDNet income, FY2021: −572.61M USDNet income, FY2022: −606.28M USDNet income, FY2023: −270.73M USDNet income, FY2024: 25.43M USDNet income, FY2025: −443.15M USDFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 1.92B USD. Revenue FY2022 4.13B USD. Revenue FY2023 5.86B USD. Revenue FY2024 9.18B USD. Revenue FY2025 11.7B USD. Operating income FY2021 −570.58M USD. Operating income FY2022 −610.08M USD. Operating income FY2023 −235.62M USD. Operating income FY2024 57.27M USD. Operating income FY2025 −396.36M USD. Net income FY2021 −572.61M USD. Net income FY2022 −606.28M USD. Net income FY2023 −270.73M USD. Net income FY2024 25.43M USD. Net income FY2025 −443.15M USD.
Metric (USD)FY2025FY2024FY2023FY2022FY2021
Revenue11.7B USD9.18B USD5.86B USD4.13B USD1.92B USD
Cost of goods sold10.02B USD7.33B USD4.64B USD——
Gross profit1.68B USD1.84B USD1.22B USD4.13B USD1.92B USD
Selling, general, and administrative2.05B USD——1.42B USD265.08M USD
Operating expenses2.08B USD1.79B USD1.46B USD4.74B USD2.49B USD
Interest expense17.6M USD23.73M USD24.6M USD22.62M USD4.72M USD
Depreciation and amortization28.89M USD32.15M USD30.69M USD15.28M USD14.61M USD
Operating income−396.36M USD57.27M USD−235.62M USD−610.08M USD−570.58M USD
Net income−443.15M USD25.43M USD−270.73M USD−606.28M USD−572.61M USD

Company facts updated Aug 24, 2026.

Earnings

EPS beat rate
73%
8 beats, 3 misses, 0 met estimates
Average EPS surprise
+33.43%
11 comparable reports
Latest EPS result
1.1
Estimate 0.4 · Beat by 172.95%

EPS: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly EPS actual values compared with estimates2.331.05-0.22-1.5Q1 '25MissQ2 '25BeatQ3 '25BeatQ4 '25BeatQ1 '26MissQ2 '26BeatQ3 '26BeatQ4 '26Estimate
Q1 2025, reported Feb 4, 2025: actual -0.62, estimate -0.55, surprise -12.73%, Miss. Q2 2025, reported May 7, 2025: actual 0.92, estimate 0.83, surprise +10.84%, Beat. Q3 2025, reported Aug 6, 2025: actual -0.89, estimate -0.9, surprise +1.11%, Beat. Q4 2025, reported Nov 6, 2025: actual -0.53, estimate -0.55, surprise +3.64%, Beat. Q1 2026, reported Feb 10, 2026: actual -1.24, estimate -0.921, surprise -34.58%, Miss. Q2 2026, reported May 6, 2026: actual 2.07, estimate 1.21, surprise +71.07%, Beat. Q3 2026, reported Aug 6, 2026: actual 1.1, estimate 0.403, surprise +172.95%, Beat. Q4 2026, reported Nov 5, 2026: actual —, estimate -0.27, surprise —, Comparison unavailable.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly Revenue actual values compared with estimates5.09B4.13B3.16B2.19BQ1 '25MissQ2 '25BeatQ3 '25MissQ4 '25MissQ1 '26MissQ2 '26MissQ3 '26BeatQ4 '26Estimate
Q1 2025, reported Feb 4, 2025: actual 2.39B USD, estimate 2.83B USD, surprise -15.34%, Miss. Q2 2025, reported May 7, 2025: actual 3.05B USD, estimate 2.78B USD, surprise +9.64%, Beat. Q3 2025, reported Aug 6, 2025: actual 2.86B USD, estimate 3.07B USD, surprise -6.81%, Miss. Q4 2025, reported Nov 6, 2025: actual 2.99B USD, estimate 3.05B USD, surprise -2.18%, Miss. Q1 2026, reported Feb 10, 2026: actual 2.75B USD, estimate 3.12B USD, surprise -12.06%, Miss. Q2 2026, reported May 6, 2026: actual 4.58B USD, estimate 4.89B USD, surprise -6.36%, Miss. Q3 2026, reported Aug 6, 2026: actual 4.79B USD, estimate 4.73B USD, surprise +1.25%, Beat. Q4 2026, reported Nov 5, 2026: actual —, estimate 4.7B USD, surprise —, Comparison unavailable.

Analyst ratings

Third-party consensus; not a GoAI recommendation.

Rating distribution

11 ratings
Strong buy00%
Buy327%
Hold764%
Sell19%
Strong sell00%

OSCR peers

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MRK

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UNH

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$390.11

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Novartis AG logo

NVS

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$158.86

+1.68%

ETFs holding OSCR

Funds reporting this stock among their holdings, ordered by reported position size.

Vanguard Morningstar Total Stock Market ETF logoVanguard Morningstar Total Stock Market ETFVTI
Market value
238.02M
Weight
0.01%
AUM
2.3T USD
Expense ratio
0.03%
Price / 1D
$378.24+0.44%
Avantis U.S. Small Cap Value ETF logoAvantis U.S. Small Cap Value ETFAVUV
Market value
211.44M
Weight
0.68%
AUM
31.27B USD
Expense ratio
0.25%
Price / 1D
$126.45+0.66%
iShares Russell 2000 ETF logoiShares Russell 2000 ETFIWM
Market value
194.75M
Weight
0.24%
AUM
81.62B USD
Expense ratio
0.19%
Price / 1D
$299.96+0.77%
Vanguard Morningstar Small-Cap ETF logoVanguard Morningstar Small-Cap ETFVB
Market value
171.81M
Weight
0.09%
AUM
183.4B USD
Expense ratio
0.03%
Price / 1D
$304.76+0.64%
Vanguard Morningstar Small-Cap Growth ETF logoVanguard Morningstar Small-Cap Growth ETFVBK
Market value
99.42M
Weight
0.22%
AUM
43.8B USD
Expense ratio
0.05%
Price / 1D
$358.65+0.70%
Vanguard Extended Market ETF logoVanguard Extended Market ETFVXF
Market value
79.34M
Weight
0.08%
AUM
93.7B USD
Expense ratio
0.05%
Price / 1D
$245.53+0.82%
iShares Russell 2000 Growth ETF logoiShares Russell 2000 Growth ETFIWO
Market value
70.83M
Weight
0.47%
AUM
15.16B USD
Expense ratio
0.24%
Price / 1D
$387.37+1.24%
Fidelity Enhanced Small Cap ETF logoFidelity Enhanced Small Cap ETFFESM
Market value
46.78M
Weight
0.72%
AUM
6.03B USD
Expense ratio
0.28%
Price / 1D
$47.94+0.80%

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