Oscar Health, Inc.(OSCR)— Stock Profile, AI Score & Financials
Healthcare · NYSE · AI-powered stock analysis, 32-signal quality score, SEC EDGAR financials, and institutional holdings. Updated .
Oscar Health, Inc. (OSCR) stock profile, AI quality score, and SEC EDGAR financial data, a Healthcare sector company. 13F Pro's AI-powered ranking engine scores OSCR at 83.1/100 on a 32-signal composite quality model, placing it at rank #13 of 2,960 stocks — the top 1% of the AI-ranked universe. OSCR scores in the top quartile across earnings quality (97.4), revenue growth (92.7), institutional flow (92.4). Based on the latest XBRL financial filings (Q2 2026), Oscar Health, Inc. reports quarterly revenue of $4.9B, net income of $361.8M, free cash flow of $2.1B. Top institutional holders of OSCR by reported 13-F value include BlackRock, T. Rowe Price Investment Management, D. E. Shaw, based on the most recent SEC filings. OSCR trades on the NYSE exchange and files with the SEC under CIK 1568651. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate OSCR daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for Oscar Health, Inc. directly from SEC EDGAR.
AI Quality Score
83.1/100
AI Rank
#13
Revenue
$4.9B
Net Income
$361.8M
Free Cash Flow
$2.1B
OSCR key financials by period
Oscar Health, Inc. reported revenue, net income and margins by fiscal period, from SEC filings.
Period
Form
Revenue
Net income
Operating margin
FY 2025
10-K
$11.7B
$-443.2M
-3.4%
FY 2024
10-K
$9.2B
$25.4M
0.6%
FY 2023
10-K
$5.9B
$-270.7M
-4.0%
FY 2022
10-K
$4.0B
$-606.3M
-14.9%
FY 2021
10-K
$1.8B
$-572.6M
-29.6%
FY 2020
10-K
$462.8M
$-406.8M
-86.9%
Institutions holding OSCR
Institutional investors reporting a position in Oscar Health, Inc. on SEC Form 13F.
AI-extracted from the 10-Q filed 2026-08-07 — Q2 FY2026 (quarter ended June 30, 2026). Every figure is machine-verified against the filing text on SEC EDGAR.
Oscar Health swung to $361.8M net income in Q2 2026 from a $228.4M loss a year prior, driven by 71% premium growth to $4.8B and improved 79.2% MLR as membership surged 46% to 3.0M members.
Biggest Revenue Drivers
Premium$4,789.3M+71% YoY
Higher membership (46% increase to 3.0M members) and rate increases, partially offset by higher net risk adjustment transfer accrual.
Investment income$84.8M+57% YoY
Higher invested assets, partially offset by lower yield.
Biggest Revenue Drivers
Total revenue: $4,880.2M+70% YoY
Premium$4,789.3M+71% YoY
Higher membership (46% increase to 3.0M members) and rate increases, partially offset by higher net risk adjustment transfer accrual.
Investment income$84.8M+57% YoY
Higher invested assets, partially offset by lower yield.
Other revenues$6.1M-6% YoY
Revenue from Marketplace Subsidiaries, virtual credit card rebates, and sublease income.
Largest Expense Items
Medical$3,794.4M+49% YoY
Increased membership and medical cost trend; MLR improved to 79.2% from 91.1% due to disciplined pricing and favorable prior period reserve development.
Selling, general, and administrative$691.1M+29% YoY
Higher membership drove volume-driven costs (taxes, fees, broker commissions); SG&A ratio improved 450bps to 14.2% via fixed cost leverage.
Depreciation and amortization$6.1M-13% YoY
Normal course depreciation and amortization of technology and property assets.
Watch Items from the Filing
Premium subsidies from CMS represented 90% of direct policy premiums in Q2 2026; expiration of enhanced APTCs at end of 2025 and pending program integrity rule implementations pose material risk to membership retention and premium growth.
Risk adjustment transfer payables increased 20% of direct policy premium in H1 2026 vs. 16% in H1 2025, adding $2.4B accrual; subject to high estimation uncertainty and material variance from actual CMS settlements.
Approximately 250K–300K members expected to be retroactively disenrolled effective July 1, 2026 in connection with CMS program integrity requirements; could impact membership and premium revenue.
Tariff threats on pharmaceuticals and medical devices, implemented July 31–September 29, 2026, may reduce pharmacy rebates and increase medical costs; potential negative impact on MLR and profitability.
Strong cash generation: operating cash flow of $4.7B in H1 2026 vs. $1.4B in H1 2025; cash and investments of $9.1B provide liquidity cushion and fund $300M capital contribution to new Florida HMO subsidiary.
AI-extracted and verified against SEC EDGAR filing text. Not investment advice.
