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OSOSCR

Oscar Health, Inc.

Strong FundamentalsStrong FundamentalsRevenue growing 53% YoY at strong marginsStreet coverage with positive forward estimatesConsistent chatter on X (798/wk), no spike
$OSCR·$7.2B·Medical - Healthcare Plans·Healthcare
$29.78-2.3%YTD+110.2%1Y+76.7%
Mentions · last 7 days
2026-08-21: 109 posts2026-08-22: 34 posts2026-08-23: 95 posts798-33%
Price updated 2m ago·X counts updated 8d ago
OSOSCR
$OSCROscar Health, Inc.
$29.78-2.26%798 posts-33%
AI analysisFundamentalsVoices on X
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AI verdict & sentimentAI analysisGenerated by AI from underlying data

Top X posts

Today's AI verdict on what's driving $OSCR, plus how loud the X conversation is and which way it's leaning.

AI analysis

TickerTalks’ read on the fundamentals and what’s driving the move.

Proven numbersAcceleratingAI verdict · as of 2026-08-30

The move is getting stronger, with heavier trading behind it.

The tech-forward ACA insurer that finally turned profitable — up 110% YTD as the market prices it as a legitimate health-insurance disruptor.

Oscar Health is a tech-forward insurer that has spent years positioning itself as the digital-first alternative to legacy health insurance, mostly through ACA exchange plans. This year it flipped to profitability at real scale, and the market is now repricing it as a legitimate insurer rather than a burn-cash growth story.

Why the run has legs:

  • The business finally hit inflection: Q1 revenue grew 53% year-on-year to $4.65B and operating margin turned positive at 15% (from -12% the prior quarter) — that combination of growth acceleration + margin flip is exactly the setup that gets rerated from lossmaker to real-business multiple.
  • The stock has responded accordingly: shares are up 110% YTD and 77% over 12 months, at the 87th percentile of the 52-week range and 52% above the 200-day moving average, on normal volume — trend continuation, not a blow-off.
  • The valuation is still not stretched: 0.48x sales for a health insurer is well inside normal (managed-care peers trade 0.5-1.0x), so if OSCR sustains the margin turn the multiple compresses cleanly against growth rather than needing further expansion.
  • Insider signal is quiet: only one small officer sale (Blackley, $595K); no cluster of distribution at these levels.

The November 9 print has to defend the operating margin turn — a repeat of Q1's 15% op margin with continued double-digit membership growth keeps the rerate alive; a give-back (medical loss ratio spiking) sets up a 20-30% pullback.

Agrees with X sentimentAgree — the crowd's 'never-selling' cohort framing plus healthcare-basket strength is directionally right, and the $33-36 near-term target is coherent with the multiple room OSCR still has vs managed-care peers; the risk (medical loss ratio) is not being priced by the bulls, which is fair to flag.

What to watch: November 9 earnings — the specific numbers are operating margin (needs to hold ~15%) and medical loss ratio (needs to stay contained); a MLR spike, which insurers get periodically, is the setup for a 20-30% pullback from these levels.

On the calendar: 2026-11-09 — Q3 earnings

X sentiment

What the X crowd is saying right now — descriptive, summarised from the day’s posts.

Bullish sentiment68 posts analyzed · as of 2026-08-30

Oscar Health posters are confidently long, treating Q2 as the moment the company graduated from speculative small cap to disruptive insurer. Revenue of $4.9B up 70% year-over-year, 2.96M members up 46%, $362M net income and an MLR improving 12 points to 79.2% get repeated across the thread, with the stock up over 116% year-to-date. CEO Mark Bertolini's Lucie non-regulated margin comments and ICHRA tailwinds anchor the long-term case. A minority calls the level extended near resistance, but the dominant view is that ATHs come next.

Read the AI verdict + X sentiment for $OSCR

  • One-line verdict on what's driving the move — fundamentals, momentum, both, or an event
  • Next dated catalyst when there is one (earnings, deal closing, activist clock)
  • X crowd read with bullish/bearish call + post volume
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What it does

Plain-English summary of the business — what they sell and how they make money.

Tech-enabled individual, small group, and Medicare Advantage health insurance with a member-facing digital platform.

Industry overviewAI analysisGenerated by AI from underlying data

Where Medical - Healthcare Plans sits in its cycle right now — and what that implies for $OSCR.

Medical - Healthcare Plans · Healthcare

Medical loss ratio trends are the central earnings variable; Medicaid redeterminations and ACA enrollment shifts are rebalancing member mix. Prior authorization practices face regulatory pressure that could weigh on cost control levers.

What this means for $OSCR

Partial — insurance earnings follow combined ratio and investment income dynamics, partially correlated to industry macro; Oscar Health, Inc.

Top industry ETF

$IHFiShares U.S. Healthcare Providers ETF
+17.6%YTD
+21.9%1Y

Fundamentals & catalyst

Profitability, valuation, and the next earnings event — at a glance, with rule-of-thumb signals.

Key ratios

P/E
-185.4How much investors are paying per dollar of profit the company actually earned in the last 12 months. Lower means the stock looks cheaper relative to earnings.~15–25 is typical for the S&P 500; high-growth names trade 30+; hyper-growth or speculative can be 100+ or negative.
ROIC
0.5%What percentage return the business earns on every dollar of capital (equity + debt) deployed in operations. The cleanest measure of business quality.Above ~15% is high-quality; consistently above 25% suggests a real moat. Below the company's cost of capital is value-destroying.
Op margin
0.1%Operating profit (after sales, marketing, R&D, and overhead but before interest and taxes) as a percentage of revenue. The clearest view of how well the underlying business is run.Mature business above 20% is healthy; software businesses can run 30%+; commodity / retail businesses operate in single digits.
FCF yield
44.0%Free cash flow (operating cash flow minus capex) divided by the company's market cap. The cash-on-cash return you'd get owning the whole business at today's price.Above ~5% is attractive; below ~2% means you're paying up for growth. Capital-light businesses (software) run higher than capital-heavy ones (utilities).
P/S
0.5Same idea as P/E but per dollar of revenue. Useful for companies that aren't profitable yet, where P/E is meaningless.Under ~2 is cheap; software / SaaS often runs 8–15; well above 20 implies the market is pricing in very high future growth.
ROE
-3.3%Net income as a percentage of shareholders' equity. Similar to ROIC but counts only the equity side.Above 20% is strong, but can be inflated by leverage — a heavily indebted company can show high ROE with weak underlying ROIC.
Gross margin
17.4%Revenue minus the direct cost of producing what was sold, as a percentage of revenue. The first read on whether the product is structurally profitable.Software / SaaS is typically 70%+; consumer goods 30–50%; commodity / hardware businesses can be under 20%.
D/E
0.3Total debt divided by shareholders' equity. Measures how much the business runs on borrowed money versus owner capital.Under 1 is conservative; 1–2 is typical for mature businesses; over 2 is leveraged and more sensitive to interest rates.

Past earnings

QuarterReportedActualEstimateSurprise
Q2 2026Aug 6, 2026$1.10$0.40+173.0%
Q1 2026May 6, 2026$2.07$1.21+71.1%
Q4 2025Feb 10, 2026$-1.24$-0.92-34.6%
Q3 2025Nov 6, 2025$-0.53$-0.55+3.6%
Next earningsMon, Nov 9·consensus EPS $-0.27

Quarterly trend

QuarterRevenueYoYGrossOpEPSFCF
Q1 FY26$4.6B+52.6%30.5%15.2%$2.28$2.6B
Q4 FY25$2.8B+17.3%6.6%-11.9%$-1.24$662.8M
Q3 FY25$3.0B+23.2%13.4%-4.3%$-0.53$-973.7M
Q2 FY25$2.9B+29.0%10.9%-8.0%$-0.89$499.8M

Forward consensus

5-year forecast · up to 6 analysts
FYRevenueRangeEPSRangeAnalysts
FY26$18.5B$18.3B – $18.8B$1.10-$0.63 – $2.616
FY27$19.9B$19.7B – $20.1B$1.56$0.05 – $2.956
FY28$22.1B$17.5B – $23.8B$2.22$1.97 – $2.515
FY29$24.6B$21.6B – $25.8B$2.62$2.20 – $2.792
FY30$27.4B$24.1B – $28.8B$3.03$2.55 – $3.232

Setup & momentum

Volume, range, and moving-average position — the technical setup driving short-term moves.

Right now

Vol vs 30dToday's traded share volume divided by the average over the prior 30 trading days. ≥3× signals unusual interest; below 1× is quiet.1.0×Today's traded share volume divided by the average over the prior 30 trading days. ≥3× signals unusual interest; below 1× is quiet.
52w rangeWhere the latest close sits between the 52-week low (0%) and high (100%). Above 80% is extended; below 30% is basing or in a downtrend.87%Where the latest close sits between the 52-week low (0%) and high (100%). Above 80% is extended; below 30% is basing or in a downtrend.
vs 50d MALatest close vs the 50-day simple moving average. Positive = short-term trend is up.+0.9%Latest close vs the 50-day simple moving average. Positive = short-term trend is up.
vs 200d MALatest close vs the 200-day simple moving average. Positive = long-term trend is up.+51.8%Latest close vs the 200-day simple moving average. Positive = long-term trend is up.

Float & profile

FloatHigh float · 249.2M shFree-float shares — the slice of issued stock actually available to trade. Lower buckets squeeze harder on a catalyst.Traded today2.1% of floatToday's volume as a percent of the free float. Above 5% on a single day is unusually high turnover for the available share count.β2.385-year weekly beta vs the S&P 500. Above 1.5 means the stock typically moves more than the index; below 0.8 moves less.

Insider activity

Recent open-market buys and sells by officers and directors — flagged when multiple insiders cluster.

Recent transactions

SellAug 18Blackley Richard ScottCFO18.8K sh$595KSellJul 1Mario SchlosserDirector47.5K sh$1.5MSellJun 30Mark T BertoliniCEO624.2K sh$17.8MSellJun 29Mark T BertoliniCEO614.8K sh$18.0MSellJun 26Mark T BertoliniCEO591.2K sh$17.3MSellJun 25Mark T BertoliniCEO615.1K sh$17.6MSellJun 23Mario SchlosserDirector993.7K sh$29.2MSellJun 2Victoria BaltrusChief Accounting Officer1.5K sh$33KSellJun 2Janet LiangPresident12.5K sh$274KSellJun 2Blackley Richard ScottCFO31.7K sh$695K
1–10 of 15
+ 18 other (12 awards · 2 conversions · 2 exempts · 1 inkind · 1 gift) in window

See when $OSCR insiders are putting their own money in

  • Real-time open-market buys and sells from Form 4 filings
  • Cluster-buy detection when multiple insiders pile in at once
  • 30 / 60 / 180-day windows so you can spot building conviction
Free, forever. No credit card.

SEC filings

Material 8-K, 13D, S-3, and 424B5 events from the last 180 days — the filings that actually move the price.

Recent material filings

8-KShareholder voteJun 98-K — Item 5.07: Shareholder vote
AI summary

Oscar Health (OSCR) held its 2026 Annual Meeting on June 4, 2026, with all eight director nominees elected by wide margins and both advisory proposals (executive compensation and auditor ratification) approved. Nominees included Mark Bertolini, Joshua Kushner, Mario Schlosser, and five others; PricewaterhouseCoopers was ratified as auditor with 819.5M votes for vs. 710K against. The dual-class structure (Class A = 1 vote, Class B = 20 votes; 265.5M Class A and 35.6M Class B shares outstanding) means insider control remains dominant. This is a routine governance event with no immediate financial impact.

8-KPress release / Reg FDJun 88-K — Item 7.01: Press release / Reg FD
AI summary

Oscar Health (OSCR) disclosed on June 8, 2026 (Item 7.01, Reg FD) that it participated in a fireside chat at the Goldman Sachs 47th Annual Global Healthcare Conference at approximately 11:20 AM ET. The company provided a business update and reaffirmed its full year 2026 guidance as previously issued in the February 10, 2026 earnings press release. A webcast replay was made available at ir.hioscar.com. This is a routine investor relations disclosure; the guidance reaffirmation is the key signal, suggesting no material changes to OSCR's financial outlook.

8-KOfficer or director changeJun 28-K — Item 5.02: Officer or director change
AI summary

OSCR (OSCR) filed an 8-K under Item 5.02 disclosing a change in its executive leadership or board composition. The filing reports both a departure and an appointment in CEO. Individuals named in the filing include Oscar Health, Exact Name. Leadership changes at the C-suite and board level are material events requiring 8-K disclosure within four business days, as they can affect company strategy, investor confidence, and operational continuity.

8-KPress release / Reg FDApr 218-K — Item 7.01: Press release / Reg FD
AI summary

OSCR filed an 8-K Item 7.01 (Reg FD) disclosure dated 2026-04-21. Reg FD disclosures make material information simultaneously available to all investors; content may include guidance updates, strategic plans, or preliminary results.

+ 8 other (2 10-Qs · 2 earnings 8-Ks · 2 proxys · 1 ARS) in window

Recent news

Latest headlines from major outlets, sourced and timestamped — context for whatever just moved.

Best Growth Stocks to Buy for August 28thzacks.com·4d agoBest Growth Stocks to Buy for August 26thzacks.com·5d agoAs Health Insurers Gain Handle On Costs, Stocks Are Soaring Againforbes.com·7d agoFast-paced Momentum Stock Oscar Health (OSCR) Is Still Trading at a Bargainzacks.com·7d agoBest Growth Stocks to Buy for August 24thzacks.com·7d ago

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Voices on X · top 15 · last 7 days

TickerTalks is a research tool, not financial advice. We surface social-attention data; we do not make stock recommendations. Past attention is not predictive of future price movements.

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