📊 OSCR Key Takeaways
Is Oscar Health, Inc. (OSCR) a Good Investment?
Oscar Health demonstrates severe operational unprofitability with -3.8% net margin and -45.3% ROE despite 11.7B in revenue, indicating fundamental business performance issues typical for unprofitable insurance operations. While positive operating cash flow of 1.1B and substantial 2.8B cash reserves provide a cushion, the company's inability to generate profits at this scale in an established healthcare market raises questions about competitive positioning and cost structure.
Why Buy Oscar Health, Inc. Stock? OSCR Key Strengths
- Positive operating cash flow of 1.1B despite GAAP losses, indicating cash generation capability
- Strong cash position of 2.8B provides liquidity buffer and financial flexibility
- Moderate leverage with 0.44x debt-to-equity ratio, leaving room for capital deployment
OSCR Stock Risks: Oscar Health, Inc. Investment Risks
- Deeply unprofitable with -3.8% net margin and -443.2M net loss despite 11.7B revenue scale
- Severely negative ROE (-45.3%) and ROA (-7.0%) indicating poor capital efficiency and shareholder value destruction
- Current ratio of 0.95x signals potential liquidity constraints; current liabilities exceed current assets
Key Metrics to Watch
- Medical Loss Ratio (MLR) and path to profitability in next quarters
- Operating margin expansion trajectory and cost structure improvements
- Working capital trends and sustainability of operating cash flow given GAAP losses
Oscar Health, Inc. (OSCR) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The current ratio below 1.0x warrants monitoring of short-term liquidity.
OSCR Profit Margin, ROE & Profitability Analysis
OSCR vs Healthcare Sector: How Oscar Health, Inc. Compares
How Oscar Health, Inc. compares to Healthcare sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is Oscar Health, Inc. Stock Overvalued? OSCR Valuation Analysis 2026
Based on fundamental analysis, Oscar Health, Inc. shows some fundamental concerns relative to the Healthcare sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
Oscar Health, Inc. Balance Sheet: OSCR Debt, Cash & Liquidity
OSCR Revenue & Earnings Growth: 5-Year Financial Trend
5-Year Trend Summary: Oscar Health, Inc.'s revenue has declined by 53% over the 5-year period, indicating business contraction. The most recent EPS of $-1.22 indicates the company is currently unprofitable.
OSCR Revenue Growth, EPS Growth & YoY Performance
OSCR Quarterly Earnings & Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q3 2025 | $4.9M | -$54.6M | $-0.22 |
| Q2 2025 | $5.2M | $46.9M | $0.17 |
| Q1 2025 | $4.3M | $177.4M | $0.62 |
| Q3 2024 | $4.9M | -$54.6M | $-0.22 |
| Q2 2024 | $5.1M | -$15.5M | $-0.07 |
| Q1 2024 | $5.0M | -$39.8M | $-0.18 |
| Q3 2023 | $3.9M | -$65.4M | $-0.29 |
| Q2 2023 | $3.9M | -$15.5M | $-0.07 |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
Oscar Health, Inc. Dividends, Buybacks & Capital Allocation
OSCR SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for Oscar Health, Inc. (CIK: 0001568651)
📋 Recent SEC Filings
| Date | Form | Document | Action |
|---|---|---|---|
| Apr 7, 2026 | 4 | xslF345X06/wk-form4_1775592996.xml | View → |
| Mar 16, 2026 | 4 | xslF345X05/wk-form4_1773692663.xml | View → |
| Mar 4, 2026 | 4 | xslF345X05/wk-form4_1772659417.xml | View → |
| Mar 4, 2026 | 4 | xslF345X05/wk-form4_1772659329.xml | View → |
| Mar 4, 2026 | 4 | xslF345X05/wk-form4_1772659172.xml | View → |
❓ Frequently Asked Questions about OSCR
What is the AI rating for OSCR?
Oscar Health, Inc. (OSCR) has an AI rating of SELL with 72% confidence, based on fundamental analysis of SEC EDGAR filings.
What are OSCR's key strengths?
Claude: Positive operating cash flow of 1.1B despite GAAP losses, indicating cash generation capability. Strong cash position of 2.8B provides liquidity buffer and financial flexibility.
What are the risks of investing in OSCR?
Claude: Deeply unprofitable with -3.8% net margin and -443.2M net loss despite 11.7B revenue scale. Severely negative ROE (-45.3%) and ROA (-7.0%) indicating poor capital efficiency and shareholder value destruction.
What is OSCR's revenue and growth?
Oscar Health, Inc. reported revenue of $11.7B.
Does OSCR pay dividends?
Oscar Health, Inc. does not currently pay dividends.
Where can I find OSCR SEC filings?
Official SEC filings for Oscar Health, Inc. (CIK: 0001568651) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is OSCR's EPS?
Oscar Health, Inc. has a diluted EPS of $-1.69.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined rating reflects both perspectives for balanced insights.
Is OSCR a good stock to buy right now?
Based on our AI fundamental analysis in April 2026, Oscar Health, Inc. has a SELL rating with 72% confidence. Review the strengths and risks sections above before making a decision. This is not investment advice.
Is OSCR stock overvalued or undervalued?
Valuation metrics for OSCR: ROE of -45.3% (sector avg: 15%), net margin of -3.8% (sector avg: 12%). Compare these metrics with sector averages to assess valuation.
Should I buy OSCR stock in 2026?
Our dual AI analysis gives Oscar Health, Inc. a combined SELL rating for 2026. Revenue is data pending, with profitability at or below sector average. Always conduct your own research.
What is OSCR's free cash flow?
Oscar Health, Inc.'s operating cash flow is $1.1B, with capital expenditures of $36.4M. FCF margin is 9.0%.
How does OSCR compare to other Healthcare stocks?
Vs Healthcare sector averages: Net margin -3.8% (avg: 12%), ROE -45.3% (avg: 15%), current ratio 0.95 (avg: 2).