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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 (602/wk), no spike
$OSCR·$8.3B·Medical - Healthcare Plans·Healthcare
$29.77+0.4%YTD+106.0%1Y+55.6%
Price updated 44m ago·X counts updated 2d ago
OSOSCR
$OSCROscar Health, Inc.
$29.77+0.40%602 posts1×
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.

602X posts · last 7 days
Sep 11Sep 27
Chatter Meter
1×
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 about its usual level, louder than 67% of tracked names.

Bullish sentimentAI analysisGenerated by AI from underlying data17 posts analyzed · as of 2026-09-28

Oscar Health holders are patient and trusting Mark Bertolini's underpromise-overdeliver playbook. Wall Street just raised 2026 EPS estimates 18.8% and 2027 by 24% in a month. Bulls model a $59-$68 wave-5 target; skeptics want one more pullback below $25 and note upward momentum is fading at $33 resistance.

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.

Proven numbersAcceleratingAI verdict · as of 2026-09-29

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

Health-insurance startup that Wall Street left for dead is now printing beats — Bertolini's underpromise-overdeliver has worked.

Oscar Health is the tech-forward ACA marketplace health insurer that spent years being punished for growth without profitability. Under CEO Mark Bertolini (ex-Aetna), the last three quarters have turned the story: sustainable growth AND margin expansion.

What actually shifted:

  • Q2 was a monster print: EPS of $1.10 vs $0.40 consensus (173% beat) on $4.79B revenue (+52% YoY) — that's the kind of number that gets a whole cohort of skeptics off the fence, and Wall Street just raised 2026 EPS by 18.8% and 2027 by 24% in one month.
  • The margin story is now real: Q1 op margin of 15.2% vs Q4 2025's -11.9% — a full 27-point swing in two quarters as membership scaled past fixed costs, exactly the operating leverage bulls always claimed was there.
  • Insider tape is mixed but not scary: Thrive Capital's ~$550M position restructured (no exit), while directors and officers trimmed at $31–32 into strength — programmed trims into a doubling, not exit velocity.

The bull path is the earnings bridge Wall Street just built proving out — every quarter that comes above the reset numbers extends the tape. The bear path is medical-cost inflation that unwinds the margin story. Watch Nov 9 for both revenue trajectory and medical loss ratio.

Agrees with X sentimentAgree with bulls on the Bertolini execution — the 173% EPS beat is exactly the underpromise-overdeliver setup they're describing. What deserves more weight: medical-cost inflation is a real 2027 risk, and the current multiple assumes MLR stays contained.

What to watch: Nov 9 Q3 print — revenue growth pace and medical loss ratio. An MLR spike is the specific risk that would unwind the margin thesis.

On the calendar: 2026-11-09 — Q3 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
+15.3%YTD
+13.3%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 $-0.14

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.0.7×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.80%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.-3.5%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.+37.0%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 today1.6% 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.β2.375-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 3Adam McananeyChief Legal Officer9.1K sh$286KSellSep 3Mario SchlosserDirector31.4K sh$988KSellSep 3Janet LiangPresident10.4K sh$326KSellSep 3Victoria BaltrusChief Accounting Officer958 sh$30KSellAug 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 23
+ 23 other (12 awards · 4 exempts · 4 conversions · 2 others · 1 inkind) 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.

3 Healthcare Stocks Showing Why the Sector Still Has Momentummarketbeat.com·2d agoOscar Health: Market Share Gains Are Only Part Of The Planseekingalpha.com·3d agoBest Growth Stocks to Buy for September 25thzacks.com·5d agoCan Oscar Health Sustain Its Profit Rebound as Medical Costs Rise?zacks.com·6d agoAll You Need to Know About Oscar Health (OSCR) Rating Upgrade to Strong Buyzacks.com·6d 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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