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/research/OSCR (free sign-up required for the full ranking).

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 2026-05-07, the biggest revenue drivers are: Premium revenue ($4.6B, +53% YoY); Investment income ($60.6M, +31% YoY); Other revenues ($5.7M, +32% YoY). Figures are extracted from the filing text and machine-verified against the document. Full breakdown at https://13fpro.ai/research/OSCR.

What are OSCR's largest expenses?

Oscar Health, Inc.'s latest 10-Q reports these as the largest expense items: Medical expenses ($3.2B, +43% YoY); Selling, general, and administrative ($706M, +46% YoY); Depreciation and amortization ($7.0M, +4% YoY). Sourced directly from SEC EDGAR filing text for Q1 2026 (quarter ended March 31, 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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13F Pro Quality Score

70.4/100

Rank #307 of 2,879 stocksTOP 25%

View Healthcare peers →

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

Revenue Growth

63.4/100

Profitability

99.7/100

Balance Sheet

85.4/100

Earnings Quality

96.7/100

Free Cash Flow

99.8/100

Institutional Flow

19.9/100

Revenue Scale

6.3/100

Dilution Risk

65.1/100

OSCR Stock Analysis & AI Quality Score

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 70.4/100 on a 32-signal composite quality model, placing it at rank #307 of 2,879 stocks — the top 25% of the AI-ranked universe. OSCR scores in the top quartile across free cash flow (99.8), profitability (99.7), earnings quality (96.7). Areas of concern include revenue scale (6.3) and institutional flow (19.9), which score below median versus the broader universe. Based on the latest XBRL financial filings (Q1 2026), Oscar Health, Inc. reports quarterly revenue of $4.6B, net income of $679.0M, free cash flow of $2.6B. Top institutional holders of OSCR by reported 13-F value include BlackRock,, VANGUARD CAPITAL MANAGEMENT, VANGUARD PORTFOLIO MANAGEMENT, 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 8 and 76 since 2022, currently 70.4 — an improving long-term trajectory across 52 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 2026-05-07 — Q1 2026 (quarter ended March 31, 2026). Every figure is machine-verified against the filing text on SEC EDGAR.

Oscar Health delivered $4.6B in Q1 revenue (+53% YoY) driven by 56% membership growth to 3.2M members, with net income of $679M and MLR improving to 70.5%.

Biggest Revenue Drivers

Total revenue: $4.6B+53% YoY

Premium revenue$4.6B+53% YoY

Driven by membership growth of 56% to 3.2M members and premium rate increases, partially offset by higher risk adjustment payables.

Investment income$60.6M+31% YoY

Higher invested assets, offset by lower yield.

Other revenues$5.7M+32% YoY

Revenue from Marketplace Subsidiaries, +Oscar platform fees, virtual credit card rebates, and sublease income.

Largest Expense Items

Medical expenses$3.2B+43% YoY

Increased membership partially offset by modestly lower medical cost trend.

Selling, general, and administrative$706M+46% YoY

Higher volume-driven costs from increased membership, including taxes, fees, and broker commissions.

Depreciation and amortization$7.0M+4% YoY

Reflects ongoing capital deployment.

Watch Items from the Filing

Risk adjustment payables represent ~24% of direct policy premium revenue (Q1 2026), up 13% YoY, creating significant estimation uncertainty and potential volatility in future periods.
Expiration of enhanced Advanced Premium Tax Credits (eAPTCs) at end of 2025 expected to negatively impact marketplace participation and membership growth; Program Integrity Rules and tariff implementation add medical cost uncertainty.
Outstanding convertible notes of $445M ($410M 2030 Notes, $35M 2031 Notes); 2031 Notes conversion condition satisfied, allowing conversion in Q2 2026.
New $475M revolving credit facility established February 6, 2026 with no borrowings outstanding as of March 31, 2026; facility supports growth capital requirements.
Statutory capital and surplus of Health Insurance Subsidiaries approximately $1.7B (March 31, 2026) with estimated ~$809M excess capital after regulatory requirements; reinsurance arrangements reduce required capital by ~$1.1B.

AI-extracted and verified against SEC EDGAR filing text. Not investment advice.

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

Revenue

Q1 2026

$4.6B

Net Income

Q1 2026

$679.0M

Free Cash Flow

Q1 2026

$2.6B

D/E Ratio

Q1 2026

0.26

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro+

Revenue

+56.5% YoY

$9.18BFY 2024

FY20 $462.8MFY21 $1.84BFY23 $5.86BFY24 $9.18B

Net Income

+109.4% YoY

$25.4MFY 2024

FY20 $-406.8MFY21 $-572.6MFY23 $-270.7MFY24 $25.4M

Operating Income

+124.3% YoY

$57.3MFY 2024

FY20 $-402.3MFY21 $-544.5MFY23 $-235.6MFY24 $57.3M

EPS (Diluted)

+108.2% YoY

$0.10FY 2024

FY20 $-14.16FY21 $-3.20FY23 $-1.22FY24 $0.10

Total Assets

+34.4% YoY

$4.84BFY 2024

FY20 $2.27BFY21 $3.32BFY23 $3.60BFY24 $4.84B

Total Debt

+0.3% YoY

$299.6MFY 2024

FY20 $142.5MFY21 $0.00FY23 $298.8MFY24 $299.6M

Op. Cash Flow

+459.4% YoY

$978.2MFY 2024

FY20 $222.7MFY21 $-181.7MFY23 $-272.2MFY24 $978.2M

Metric	FY 2024	FY 2023	FY 2021	FY 2020	FY 2019
Revenue	$9.18B +56.5%	$5.86B +218.9%	$1.84B +297.3%	$462.8M -5.2%	$488.2M
Net Income	$25.4M +109.4%	$-270.7M +52.7%	$-572.6M -40.7%	$-406.8M -55.8%	$-261.2M
Operating Income	$57.3M +124.3%	$-235.6M +56.7%	$-544.5M -35.4%	$-402.3M -55.1%	$-259.4M
EPS (Diluted)	$0.10 +108.2%	$-1.22 +61.9%	$-3.20 +77.4%	$-14.16 -56.3%	$-9.06
Total Assets	$4.84B +34.4%	$3.60B +8.4%	$3.32B +46.2%	$2.27B	—
Total Debt	$299.6M +0.3%	$298.8M	$0.00 -100.0%	$142.5M	—
Operating Cash Flow	$978.2M +459.4%	$-272.2M -49.7%	$-181.7M -181.6%	$222.7M +234.7%	$-165.4M

AI Insight: OSCR Financial Trends

Oscar's Q1 2026 revenue surged 53% YoY to $4,647M with $679M net income, but losses in Q2–Q4 2025 and rising debt signal volatile seasonality and structural cost risk.

• Revenue grew from $2,219M in Q2 2024 to $4,647M in Q1 2026, reflecting strong membership expansion over two years.

• Q1 2026 operating income hit $704M versus $297M in Q1 2025, a 137% YoY improvement in seasonal peak profitability.

• Net losses deepened in Q2–Q4 2025, reaching -$353M in Q4 2025, highlighting severe intra-year earnings volatility.

• Total debt rose from $299M in Q2 2024 to $686M in Q3 2025 before easing to $431M in Q1 2026, signaling balance sheet pressure mid-cycle.

⚠ Operating cash flow swung to -$965M in Q3 2025 — the steepest outflow in the dataset — before recovering sharply in Q1 2026.

⚠ Equity dropped from $1,333M in Q1 2025 to $978M in Q4 2025, a $355M erosion in three quarters of losses.

⚠ Q1 2026 operating cash flow of $2,619M versus $879M in Q1 2025 is a potential inflection — sustainability into Q2 2026 is key.

AI Insight: OSCR Ratio Trends

Oscar Health's Q1 2026 shows a strong seasonal spike to 15.2% operating margin, but the TTM picture reveals near-breakeven operations at just 0.1% — making earnings quality highly seasonal and difficult to trust.

• Q1 consistently outperforms: operating margin surged to 15.2% in Q1 2026 vs. 9.8% in Q1 2025, suggesting improving seasonal execution.

• TTM operating margin stands at only 0.1% and NPM at -0.3%, reflecting deep losses in Q2–Q4 2025 that overwhelm Q1 gains.

• D/E spiked to 0.67 in Q3 2025 before retreating to 0.26 in Q1 2026 — leverage remains volatile quarter-to-quarter.

• Q4 2025 was the worst recent quarter: operating margin of -11.9%, ROE of -144.3%, and ROIC of -94.8%.

⚠ Whether Q2–Q4 losses structurally shrink — Q2 2025 operating margin of -8.1% worsened vs. Q2 2024's +3.1%, a concerning year-over-year step-down.

⚠ ROIC is missing for Q1 2026 despite strong reported earnings — clarity on capital returns beyond seasonal quarters is needed.

⚠ D/E volatility (0.22 in Q1 2025 to 0.67 in Q3 2025) warrants monitoring for off-quarter financing or reserve-building activity.

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Available Research

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.
$198.5M17,309,539 sh
VANGUARD CAPITAL MANAGEMENT LLC
$123.6M10,777,627 sh
VANGUARD PORTFOLIO MANAGEMENT LLC
$121.0M10,545,848 sh
AMERICAN CENTURY COMPANIES INC
$80.6M7,029,356 sh
Thrive Capital Management, LLC
$72.8M6,343,617 sh
BIT Capital GmbH
$72.5M6,321,421 sh
D. E. Shaw & Co., Inc.
$62.9M5,485,285 sh
STATE STREET CORP
$60.4M5,262,372 sh
GEODE CAPITAL MANAGEMENT, LLC
$57.7M5,032,255 sh
DIMENSIONAL FUND ADVISORS LP
$48.1M4,192,777 sh

Fund	Value	Shares
BlackRock, Inc.	$198.5M	17,309,539
VANGUARD CAPITAL MANAGEMENT LLC	$123.6M	10,777,627
VANGUARD PORTFOLIO MANAGEMENT LLC	$121.0M	10,545,848
AMERICAN CENTURY COMPANIES INC	$80.6M	7,029,356
Thrive Capital Management, LLC	$72.8M	6,343,617
BIT Capital GmbH	$72.5M	6,321,421
D. E. Shaw & Co., Inc.	$62.9M	5,485,285
STATE STREET CORP	$60.4M	5,262,372
GEODE CAPITAL MANAGEMENT, LLC	$57.7M	5,032,255
DIMENSIONAL FUND ADVISORS LP	$48.1M	4,192,777

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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.

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.