What is the 13F Pro Quality Score for OSCR?

13F Pro ranks Oscar Health, Inc. (OSCR) on the 13F Pro Quality Score, a 0–100 composite of 32 fundamental signals including return on invested capital, free cash flow consistency, balance-sheet strength, earnings quality, growth durability, and valuation discipline. The score refreshes after each 10-K and 10-Q filing on SEC EDGAR. View OSCR's current score at https://13fpro.ai/company/OSCR (free sign-up required for the full ranking).

Which hedge funds own the most OSCR stock?

Based on the most recent Form 13F-HR filings on SEC EDGAR, the largest reported institutional holders of OSCR include BlackRock,, T. Rowe Price Investment Management,, D. E. Shaw & Co.,. Holdings are reported quarterly within 45 days of quarter-end and updated on https://13fpro.ai/company/OSCR as soon as new 13F filings post.

Where does 13F Pro source OSCR data?

All Oscar Health, Inc. fundamentals and ownership data come directly from SEC EDGAR. Oscar Health, Inc. files with the SEC under CIK 1568651. 13F Pro ingests XBRL financial facts from 10-K and 10-Q filings, Form 13F-HR institutional holdings, and Form 4 insider transactions, with no third-party rewrites or estimates.

What sector is OSCR in?

Oscar Health, Inc. (OSCR) is classified in the Healthcare sector. 13F Pro publishes sector-level fund flow analysis and quality leaders at https://13fpro.ai/research/sector/healthcare.

What drives OSCR's revenue?

Per Oscar Health, Inc.'s latest 10-Q filed with the SEC on 2026-08-07, the biggest revenue drivers are: Premium ($4,789.3M, +71% YoY); Investment income ($84.8M, +57% YoY); Other revenues ($6.1M, -6% YoY). Figures are extracted from the filing text and machine-verified against the document. Full breakdown at https://13fpro.ai/company/OSCR.

What are OSCR's largest expenses?

Oscar Health, Inc.'s latest 10-Q reports these as the largest expense items: Medical ($3,794.4M, +49% YoY); Selling, general, and administrative ($691.1M, +29% YoY); Depreciation and amortization ($6.1M, -13% YoY). Sourced directly from SEC EDGAR filing text for Q2 FY2026 (quarter ended June 30, 2026).

How often is OSCR research updated on 13F Pro?

OSCR's fundamentals refresh within hours of each new 10-K or 10-Q filing on SEC EDGAR. Institutional ownership updates after each quarterly 13F filing window. Insider transactions update after each Form 4 filing. The 13F Pro Quality Score recalculates after every fundamentals refresh.

Oscar Health, Inc.(OSCR)Stock Analysis

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Healthcare →NYSEmid

Institutional-grade research for retail investors

SEC EDGAR: CIK 1568651 OSCR stock profile & AI dashboard →

13F Pro Quality Score

83.1/100

Rank #13 of 2,961 stocksTOP 1%

View Healthcare peers →

Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Nov 14, 2026.

Revenue Growth

92.7/100

Profitability

59.4/100

Balance Sheet

75.0/100

Earnings Quality

97.4/100

Free Cash Flow

82.5/100

Institutional Flow

92.4/100

Revenue Scale

90.3/100

Dilution Risk

65.4/100

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Why OSCR Scores 83/100

exact factor attribution · 2026-09-11

OSCR's composite is driven by revenue growth and scale. Bars show each factor's exact push vs. a median company, using the same weights the ranking engine applies.

Revenue growth

+8.5 pts

93th pct

Scale

+6.0 pts

90th pct

Free cash flow

+4.9 pts

83th pct

Earnings quality

+4.7 pts

97th pct

Capital efficiency

+2.5 pts

75th pct

Earnings growth

+2.1 pts

93th pct

Institutional flow

+2.1 pts

92th pct

Profitability

+1.4 pts

59th pct

Shareholder dilution

+0.8 pts

65th pct

Latest change (2026-08-09): 70 → 35 · ↓ Profit margin 100→2; ↓ Capital efficiency 85→28

Factor percentiles are cross-sectional ranks across the ~2,800-stock scored universe, computed from SEC EDGAR filings. Not investment advice.

Unusual Activity in OSCR

Events flagged as statistical outliers against OSCR's own multi-year baseline — not fixed dollar thresholds.

Score shock2026-08-09
OSCR quality score dropped 35 points (70→35) on a new filing
View source filing →

OSCR Stock Analysis & AI Quality Score

Data updated 2026-09-11

AI stock analysis and institutional research for Oscar Health, Inc. (OSCR), 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 2,961 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. Oscar Health, Inc.'s 13F Pro composite quality score has ranged between 35 and 83 since 2022, currently 83.1 — an improving long-term trajectory across 64 quarterly and live scoring snapshots.

What's Driving OSCR's Business? Latest 10-Q Breakdown

AI-extracted from Oscar Health, Inc.'s 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.

Read the full 10-Q on SEC EDGAR →Share on X

Revenue

Q2 2026

$4.9B

Net Income

Q2 2026

$361.8M

Free Cash Flow

Q2 2026

$2.1B

ROIC

Q2 2026

62.6%

D/E Ratio

Q2 2026

0.21

Period

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro

Revenue

+27.5% YoY

$11.70BFY 2025

FY22 $3.96BFY23 $5.86BFY24 $9.18BFY25 $11.70B

Net Income

-1842.5% YoY

$-443.2MFY 2025

FY22 $-606.3MFY23 $-270.7MFY24 $25.4MFY25 $-443.2M

Operating Income

-792.1% YoY

$-396.4MFY 2025

FY22 $-589.9MFY23 $-235.6MFY24 $57.3MFY25 $-396.4M

EPS (Diluted)

-1790.0% YoY

$-1.69FY 2025

FY22 $-2.85FY23 $-1.22FY24 $0.10FY25 $-1.69

Total Assets

+30.7% YoY

$6.33BFY 2025

FY22 $4.53BFY23 $3.60BFY24 $4.84BFY25 $6.33B

Total Debt

+43.6% YoY

$430.1MFY 2025

FY22 $298.0MFY23 $298.8MFY24 $299.6MFY25 $430.1M

Op. Cash Flow

+11.9% YoY

$1.09BFY 2025

FY22 $380.3MFY23 $-272.2MFY24 $978.2MFY25 $1.09B

Free Cash Flow

+11.4% YoY

$1.06BFY 2025

FY22 $351.3MFY23 $-297.7MFY24 $950.3MFY25 $1.06B

Metric	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Revenue	$11.70B +27.5%	$9.18B +56.5%	$5.86B +47.9%	$3.96B +115.6%	$1.84B +297.3%	$462.8M
Net Income	$-443.2M -1842.5%	$25.4M +109.4%	$-270.7M +55.3%	$-606.3M -5.9%	$-572.6M -40.7%	$-406.8M
Operating Income	$-396.4M -792.1%	$57.3M +124.3%	$-235.6M +60.1%	$-589.9M -8.3%	$-544.5M -35.4%	$-402.3M
EPS (Diluted)	$-1.69 -1790.0%	$0.10 +108.2%	$-1.22 +57.2%	$-2.85 +10.9%	$-3.20 +77.4%	$-14.16
Total Assets	$6.33B +30.7%	$4.84B +34.4%	$3.60B -20.4%	$4.53B +36.3%	$3.32B +46.2%	$2.27B
Total Debt	$430.1M +43.6%	$299.6M +0.3%	$298.8M +0.3%	$298.0M	$0.00 -100.0%	$142.5M
Operating Cash Flow	$1.09B +11.9%	$978.2M +459.4%	$-272.2M -171.6%	$380.3M +309.3%	$-181.7M -181.6%	$222.7M
Free Cash Flow	$1.06B +11.4%	$950.3M +419.2%	$-297.7M -184.7%	$351.3M +269.2%	$-207.6M -199.5%	$208.7M

AI Insight: OSCR Financial Trends

Oscar swung to sustained profitability in H1 2026 with $1.0B operating income and $4.7B+ quarterly revenue, but Q3 2025 data anomaly and debt creep warrant scrutiny.

• Operating income turned positive $704M in Q1 2026 after four consecutive loss quarters, sustained at $389M in Q2 2026.

• Revenue stabilized at $4.6–4.8B in H1 2026 versus $2.4–3.0B prior year quarters, signaling material business scale-up.

• Operating cash flow improved to $2.6B in Q1 2026 and $2.1B in Q2 2026, versus $0.3–0.9B in prior year quarters.

⚠ Q3 2025 reported $9M revenue and $-965M operating cash flow—severe data anomaly or operational disruption requiring clarification.

⚠ Total debt rose from $300M to $432M (Q1–Q2 2026) despite profitability; leverage ratio approaching pre-improvement levels.

⚠ Net income volatility remains high: $679M swing Q1 2026 to $362M Q2 2026, suggesting earnings persistence risk.

AI Insight: OSCR Ratio Trends

Oscar Health swung from Q4 2025 losses (OpMargin -11.9%, ROE -144.3%) to Q2 2026 profitability (OpMargin 8.1%, ROE 70.5%), but earnings remain volatile quarter-to-quarter.

• Operating margin recovered from -11.9% in Q4 2025 to 8.1% in Q2 2026, signaling operational stabilization after six quarters of volatility.

• Net profit margin improved to 7.5% in Q2 2026 from -12.6% in Q4 2025; TTM NPM stands at 4.5%, indicating sustained turnaround.

• Debt-to-equity ratio declined to 0.21 in Q2 2026 from peak of 0.67 in Q3 2025, strengthening balance sheet position.

⚠ Earnings volatility persists: Q1 2026 OpMargin 15.2% vs. Q2 2026 OpMargin 8.1% shows continued quarterly swings despite overall recovery.

⚠ Q2 2025 and Q4 2025 posted significant losses (NPM -8.2% and -12.6%); near-term sustainability of current profitability uncertain.

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13F Pro tracks comprehensive data for Oscar Health, Inc. including:

SEC EDGAR filings (10-K, 10-Q, 8-K)

XBRL financial facts (revenue, EPS, margins)

Insider transactions (Form 4)

Institutional 13F holdings

Quality rankings (32 signals)

AI analyst debates & daily meetings

Historical financial trends

Peer comparison & sector analysis

Top Institutional Holders of OSCR

BlackRock, Inc.
$587.2M20,587,428 sh
T. Rowe Price Investment Management, Inc.
$371.8M13,035,486 sh
D. E. Shaw & Co., Inc.
$360.6M12,643,617 sh
VANGUARD PORTFOLIO MANAGEMENT LLC
$314.6M11,029,424 sh
VANGUARD CAPITAL MANAGEMENT LLC
$301.7M10,579,437 sh
AMERICAN CENTURY COMPANIES INC
$258.3M9,055,242 sh
JANE STREET GROUP, LLC
$181.5M6,365,039 sh
Thrive Capital Management, LLC
$180.9M6,343,617 sh
GEODE CAPITAL MANAGEMENT, LLC
$166.0M5,819,186 sh
STATE STREET CORP
$165.5M5,801,351 sh

Fund	Value	Shares
BlackRock, Inc.	$587.2M	20,587,428
T. Rowe Price Investment Management, Inc.	$371.8M	13,035,486
D. E. Shaw & Co., Inc.	$360.6M	12,643,617
VANGUARD PORTFOLIO MANAGEMENT LLC	$314.6M	11,029,424
VANGUARD CAPITAL MANAGEMENT LLC	$301.7M	10,579,437
AMERICAN CENTURY COMPANIES INC	$258.3M	9,055,242
JANE STREET GROUP, LLC	$181.5M	6,365,039
Thrive Capital Management, LLC	$180.9M	6,343,617
GEODE CAPITAL MANAGEMENT, LLC	$166.0M	5,819,186
STATE STREET CORP	$165.5M	5,801,351

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Is OSCR a good stock to buy?

13F Pro's AI-powered analysis of Oscar Health, Inc. (OSCR) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Healthcare sector (listed on NYSE). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for OSCR are available on the OSCR stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing. OSCR is classified as a mid company.

Which hedge funds own OSCR?

Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling OSCR. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of Oscar Health, Inc.'s investment landscape.