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OSOSCR

Oscar Health, Inc.

Rising onWhy it's trendingX chatter spiked vs its recent normBacked by solid revenue growthBullish-leaning chatter
$OSCR·$8.7B·Medical - Healthcare Plans·Healthcare
$31.89-4.7%YTD+133.8%1Y+51.6%
Price updated 7h ago·X counts updated 5d ago
OSOSCR
$OSCROscar Health, Inc.
$31.89-4.72%717 posts2×
AI analysisFundamentalsVoices on X
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On X

Top X posts

The complete picture of $OSCR on X — how loud the conversation is right now, how it has trended over the last two weeks, and which way the crowd is leaning.

717X posts · last 7 days
Sep 29Oct 11
Chatter Meter
2×
QuietNormal · 1×Loud

How loud $OSCR's conversation on X is versus its own normal — 1× is typical, higher means busier. Right now it's running louder than usual, louder than 97% of tracked names.

Bullish sentimentAI analysisGenerated by AI from underlying data17 posts analyzed · as of 2026-10-02

Sentiment is bullish — wall-street 2026 EPS estimates are up 18.8% in 30 days and 2027 is up 24%, which bulls frame as the pre-rerate signal. Elliott-wave fans say Wave 3 just topped and are stalking a Wave 4 pullback to $19-25 as the next add. The management-trust pitch (CEO Mark Bertolini's track record) does most of the heavy lifting. The visible restraint is "might pull back below $25 before the next real run."

Read what X is saying about $OSCR

  • Bullish vs bearish call — with the AI summary of the day's posts
  • Divergence flag when the top-engagement posts argue the other side
  • How loud the conversation is versus this ticker's own normal
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AI verdictAI analysisGenerated by AI from underlying data

TickerTalks' own read on what's driving $OSCR — fundamentals, momentum, or an event — and whether it agrees with the X crowd.

Comeback attemptAcceleratingAI verdict · as of 2026-10-03

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

The ACA-focused health insurer just swung to profitability — the stock has more than doubled YTD and consensus is still catching up.

Oscar Health is the ACA-focused health insurer built by Mario Schlosser and Josh Kushner, now run by Mark Bertolini (ex-Aetna CEO). The business just swung decisively to profit and the stock has more than doubled YTD as the turnaround converted to numbers.

  • The margin inflection is real: Q1 2026 revenue of $4.65B at +52.6% YoY with a 15.2% operating margin — a vertical swing from Q4's -11.9% op margin, which means the medical loss ratio and OpEx leverage both came in at once.
  • Earnings estimates are being revised sharply up: 2026 EPS +18.8% in 30 days and 2027 +24% — the Street is now catching up, with 2027 EPS consensus near $2.35 and 2028 near $2.77 against a $31 stock.
  • Insider selling is the counter-signal: Thrive Capital (Kushner's firm) resumed sales, directors Wittman $806K and Schlosser $988K sold in September — not catastrophic but the first visible C-suite distribution since the turnaround started.

A Nov 9 Q3 print holding MLR below 83% keeps the move; a reversion in the MLR or lost ACA enrollment on 2027 open-enrollment season breaks the turnaround narrative.

Agrees with X sentimentX cites the +18.8% / +24% consensus EPS revisions and Bertolini's track record — both real, both correct bull signals. The crowd under-weights the insider cluster: Thrive resumed sales and Schlosser took $988K in September, which is a visible counter-tell at 85% of the 52-week range.

What to watch: Nov 9 Q3 earnings — medical loss ratio (MLR) below 83%, membership trends into the 2027 ACA open enrollment, and whether insider selling continues. A clean MLR print re-rates; MLR drift above 84% breaks the turnaround story.

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

Read the AI verdict on $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)
  • Whether TickerTalks' read agrees with or diverges from the X crowd
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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

Medicaid redeterminations (post-COVID eligibility reviews) have reduced Medicaid enrollment ~15M from peak, improving commercial insurance mix at managed care organizations; Medicare Advantage star ratings and benchmark rate adjustments are the primary 2026 earnings variable. MLR creep from utilization recovery and GLP-1 pharmacy costs are the key margin headwinds.

What this means for $OSCR

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

Top industry ETF

$IHFiShares U.S. Healthcare Providers ETF
+19.1%YTD
+16.8%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 earningsThu, Nov 5·consensus EPS $-0.14

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 9 analysts
FYRevenueRangeEPSRangeAnalysts
FY26$18.7B$18.6B – $18.7B$1.91$1.74 – $2.007
FY27$20.8B$20.5B – $21.1B$2.35$2.27 – $2.467
FY28$24.2B$18.0B – $26.9B$2.77$2.45 – $3.059
FY29$30.9B$27.6B – $32.4B$3.74$3.22 – $3.974
FY30$32.5B$29.0B – $34.0B$3.94$3.39 – $4.194

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.1.1×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.+1.5%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.+39.6%Latest close vs the 200-day simple moving average. Positive = long-term trend is up.

Float & profile

FloatHigh float · 253.3M shFree-float shares — the slice of issued stock actually available to trade. Lower buckets squeeze harder on a catalyst.Traded today2.2% 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.β2.475-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

SellSep 18Wittman Vanessa AmesDirector25.0K sh$806KSellSep 3Blackley Richard ScottCFO28.9K sh$908KSellSep 3Janet LiangPresident10.4K sh$326KSellSep 3Victoria BaltrusChief Accounting Officer958 sh$30KSellSep 3Adam McananeyChief Legal Officer9.1K sh$286KSellSep 3Mario SchlosserDirector31.4K sh$988KSellAug 28Mario SchlosserDirector150.0K sh$4.6MSellAug 27Mario SchlosserDirector600.0K sh$18.2MSellAug 18Blackley Richard ScottCFO18.8K sh$595KSellJul 1Mario SchlosserDirector47.5K sh$1.5M
1–10 of 22
+ 20 other (11 awards · 4 conversions · 3 exempts · 2 others) 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

SC 13D/AActivist amendmentSep 18SC 13D/A
AI summary

Thrive Capital (represented by Jed Feldman) filed Amendment No. 4 to their 13D on Oscar Health (OSCR), detailing positions across multiple Thrive entities: Thrive Capital Partners II holds ~4.78M shares (~1.7%), Thrive Capital Partners III holds ~17.5M shares (~6.0%), and Claremount TW holds ~593K shares. The aggregate Thrive group stake thus represents a substantial ownership block. Routine position update for a major existing financial investor — not signaling a new activist event.

8-KPress release / Reg FDSep 168-K — Item 7.01: Press release / Reg FD
AI summary

Oscar Health, Inc. (OSCR) filed an 8-K under Item 7.01 (Reg FD disclosure) on September 16, 2026, furnishing investor presentation materials; the excerpt contains only the cover page with no information on the topic covered. This is typically an administrative disclosure accompanying an investor conference appearance or earnings preview.

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.

+ 7 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.

Oscar Health vs. Molina: Which Healthcare Stock Is a Better Buy?zacks.com·16h agoOscar Health, Inc. (OSCR) Stock Sinks As Market Gains: Here's Whyzacks.com·1d ago3 Top Ranked Stocks Gaining Despite Market Turmoilzacks.com·2d agoOscar Health: 7X The Revenue Since Its IPO, And A Rerating Due In 2027seekingalpha.com·2d agoBest Growth Stocks to Buy for October 15thzacks.com·2d ago

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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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