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OSOSCR

Oscar Health, Inc.

Rising onWhy it's trendingX chatter picking upStrong bullish X conversationBacked by solid revenue growth
$OSCR·$7.2B·Medical - Healthcare Plans·Healthcare
$32.76+6.4%YTD+110.2%1Y+123.2%
Mentions · last 7 days
2026-08-07: 359 posts2026-08-08: 173 posts2026-08-09: 307 posts2026-08-10: 334 posts2026-08-11: 193 posts2026-08-12: 181 posts2026-08-13: 146 posts1,726+1%
Price updated 17h ago·X counts updated 2d ago
OSOSCR
$OSCROscar Health, Inc.
$32.76+6.43%1.7k posts+1%
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.

Comeback attemptAcceleratingAI verdict · as of 2026-08-14

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

The medical-loss ratio dropping twelve full points is the whole story — Oscar just proved a health insurer can actually earn a margin, and the stock has doubled.

Oscar Health is the tech-native health insurer, best known for ACA-marketplace plans and the ICHRA product that lets employers pay for individual coverage instead of running a group plan. Two years ago the market wrote it off as a growth-at-any-cost loss-maker; the last two prints reset that entirely.

  • The core turnaround signal is the medical-loss ratio — Q2 came in at 79.2%, down from 91.1% a year ago, which for a health insurer is the difference between money-losing and durably profitable. That single number is why Q2 adjusted EPS of $1.10 crushed the $0.39 consensus and EBITDA nearly doubled.
  • The ICHRA angle is the underappreciated growth vector — employer adoption jumped from 6,600 to 12,700 in a year against a stated 115M-life TAM, which is the pool of currently-group-insured employees that could shift to individual coverage over time.
  • The Street is chasing, not leading: Goldman raised from $22 to $30, UBS from $20 to $26, Barclays to $39 Overweight — all after the print. On the 0.48x sales multiple and FY26 EPS consensus of $1.10 (a ~28x forward that's still being revised up), estimates are the constraint, not multiple.

Nov 5 earnings and the 2027 open-enrollment cycle are the next tests — if MLR holds in the 79-82% band while membership grows, the compounding math re-rates the stock again; any drift back toward 85%+ MLR is the specific number that turns the turnaround back into a warning.

Agrees with X sentimentX is correctly anchoring on the MLR reset, the record Q2, and the analyst raises — those are the load-bearing facts and the mechanical case is real. The mentioned wave-2 pullback risk into $19-21 is a fair caveat given the +110% YTD, but doesn't change the underlying MLR trajectory.

What to watch: Nov 5 earnings — the Q3 MLR specifically. Holding in the 79-82% zone with membership growing keeps the re-rating alive; any drift back toward 85%+ MLR is the exact number that would break the turnaround thesis.

On the calendar: 2026-11-05 — Q3 earnings

X sentiment

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

Bullish sentiment87 posts analyzed · as of 2026-08-14

Oscar Health chatter is bullish on execution beats. EPS beat by 189%, Q2 FCF surging to $2.1B from $500M a year ago (+320%), Goldman upgrade to Neutral with PT $30 (from $22), UBS PT $26. Bulls anchor on ICHRA's 115M-life TAM with 26% employer cost-savings pitch, and 98.7% first-pass claims accuracy as an AI-driven cost-moat story. Bertolini's targets are being beaten a year early. The measured Elliott-wave caution is 'Wave 1 finished, buy the Wave 2 pullback under $20' — a bull pause, not a bear thesis.

Read the AI verdict + X sentiment for $OSCR

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  • Next dated catalyst when there is one (earnings, deal closing, activist clock)
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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

No material change from last week — Oscar Health's AI-driven clinical platform is gaining member growth while the UNH Medicaid fraud litigation adds regulatory risk to legacy insurers.

What this means for $OSCR

Direct beneficiary — Tech-enabled individual, small group, and Medicare Advantage health insurance with a member-facing digital platform; core revenue tied directly to the primary demand driver in medical - healthcare plans.

Top industry ETF

$IHFiShares U.S. Healthcare Providers ETF
+17.6%YTD
+29.6%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 $-0.27

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.1.3×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.98%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.+11.4%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.+69.0%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 today2.6% 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.β2.385-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

SellJul 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 2Mario SchlosserDirector34.1K sh$749KSellJun 2Janet LiangPresident12.5K sh$274KSellJun 2Blackley Richard ScottCFO31.7K sh$695K
1–10 of 19
+ 24 other (18 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
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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-KPress release / Reg FDMar 28-K — Item 7.01: Press release / Reg FD
+ 9 other (2 10-Qs · 2 earnings 8-Ks · 2 proxys · 2 13Gs) in window

Recent news

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

Best Growth Stocks to Buy for August 14thzacks.com·1d agoIs Oscar Health Inc (OSCR) Overvalued After 4.0% Rally? GF Value Says Overvaluedgurufocus.com·2d agoBest Growth Stocks to Buy for August 12thzacks.com·3d agoOscar Health Q2 Earnings Call Highlightsmarketbeat.com·7d agoGoodRx and Oscar Health Tout Tech as Consumer Needs Changepymnts.com·9d 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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