Oscar Health, Inc.
Strong FundamentalsStrong FundamentalsRevenue growing 53% YoY at strong marginsStreet coverage with positive forward estimatesConsistent chatter on X (2.5K/wk), no spike$28.43-3.5%YTD+103.8%1Y+37.4%
Mentions · last 7 days
2,487+42%
Price updated 4m ago·X counts updated 2d ago
AI verdict & sentimentAI analysisGenerated by AI from underlying data
Today's AI verdict on what's driving $OSCR, plus how loud the X conversation is and which way it's leaning.
What it does
Plain-English summary of the business — what they sell and how they make money.
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
Tech-enabled Medicare Advantage growth is bifurcating managed care — Oscar Health's AI-driven clinical platform is gaining member growth while the UNH Medicaid fraud litigation adds regulatory risk to legacy insurers. The healthcare plan up 90% this year signals the market is pricing AI-enhanced clinical cost management as a structural advantage.
What this means for $OSCR
Direct beneficiary — Oscar Health's AI-driven Medicare Advantage platform that helps physicians manage chronic disease and reduce medical costs is the structural growth thesis; the stock's decline despite market improvement reflects short-term margin concerns, not the long-term AI clinical cost management thesis.
Top industry ETF
$IHFiShares U.S. Healthcare Providers ETF
+15.2%YTD
+13.7%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
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$-0.55+3.6%
Q2 2025Aug 6, 2025$-0.89$-0.90+1.1%
Next earningsWed, Aug 5·consensus EPS $0.34
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
FYRevenueRangeEPSRangeAnalysts
FY26$18.5B$18.3B – $18.7B$1.04-$0.80 – $2.537
FY27$19.9B$19.6B – $20.2B$1.45$0.05 – $2.637
FY28$22.2B$22.1B – $22.3B$2.14$1.93 – $2.366
FY29$25.3B$23.2B – $26.2B$2.62$2.34 – $2.745
FY30$28.2B$25.9B – $29.2B$2.82$2.52 – $2.953
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.94%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.+27.9%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.+66.7%Latest close vs the 200-day simple moving average. Positive = long-term trend is up.
Float & profile
FloatHigh float · 246.8M shFree-float shares — the slice of issued stock actually available to trade. Lower buckets squeeze harder on a catalyst.Traded today2.3% 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.β2.395-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.
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
8-KPress release / Reg FDJun 88-K — Item 7.01: Press release / Reg FD
AI summary
8-KOfficer or director changeJun 28-K — Item 5.02: Officer or director change
AI summary
8-KPress release / Reg FDApr 218-K — Item 7.01: Press release / Reg FD
AI summary
8-KPress release / Reg FDMar 28-K — Item 7.01: Press release / Reg FD
8-KMaterial agreementFeb 108-K — Item 1.01: Material agreement · Item 2.02: Earnings release · Item 2.03: Material debt obligation
+ 9 other (2 proxys · 2 13Gs · 1 10-Q · 1 earnings 8-K) in window
Recent news
Latest headlines from major outlets, sourced and timestamped — context for whatever just moved.
Oscar Health, Inc. (OSCR) Declines More Than Market: Some Information for InvestorsOscar Health Inc (OSCR) Stock Up 4.9% but GF Value Says Overvalued -- GF Score: 79/100A Look at Oscar Health Inc (OSCR) After 3.1% Gain -- GF Value $20.91 vs Price $29.14This Little-Known Healthcare Stock Is Up 90% This Year, and the Party Might Just Be Getting StartedOscar Health, Inc. (OSCR) Stock Declines While Market Improves: Some Information for Investors
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