arrow_back Back Filing freshness 10-Q FY 2025 SEC EDGAR

download Export Data

Oscar Health, Inc.

OSCR

$27.91 ▲ +1.37 (+5.14%) at close

7 Visible periods

31 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Poor

Bearish

auto_awesome

Analytical Summary

Oscar Health, Inc. faces fundamental challenges with weakness in Return on Common Equity (%) and Profit Margin (%). The fundamentals warrant careful consideration of downside risks.

Market Cap $7.3B

Dividend Yield —

Revenue Growth 27.5% ↘

Op. Margin -3.4% ↘

ROIC -28.5% ↘

FCF / Share $4.17 ↗

Trailing P/E —

Price / Book 7.5x

FCF Yield 15.0%

Debt / Equity 0.44

info Valuation on last close. End-of-day price, Aug 7, 2026.

7-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$11.70B

↑ +27.5% —

Net Income Profit after all expenses

$-443.15M

↓ -1842.5% —

Operating Margin Operating profit as % of sales

-3.4%

↓ -642.9% 22th

FCF / Share Free cash flow per share

$4.17

↑ +2.5% —

Long-Term Debt Long-term obligations

$430.10M

↑ +43.6% —

trending_up

Bullish Indicators

No bullish signals detected.

warning

Bearish Risks

Operating Margin (%)Operating Margin (%) is in the bottom quartile
Profit Margin (%)Profit Margin (%) is in the bottom quartile
Return on Common Equity (%)Return on Common Equity (%) is in the bottom quartile

Health Breakdown

Profitability ↑

Returns ↓

Financial Health ↑

Cash Quality

Financial view

Statement lens

Choose the reporting cadence, isolate a period range, or search directly for a metric.

Cadence

Annual Quarterly

Range

→

📈 Is growth accelerating? 6 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗
Revenue Growth YoY (%)	27.5% Excellent ↓ Excellent Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+244%)	56.5% Excellent ↓ Excellent Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+607%)	47.9% Excellent ↓ Excellent Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+499%)	115.6% Excellent ↓ Excellent Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+1345%)	297.3% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+3616%)	-5.2% Weak Weak Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-165%)	—
EPS Growth YoY (%)	N/M	N/M	57.2% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	10.9% Fair → Fair Stable Year-over-year change in earnings per share Optimal: > 10%	77.4% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	-56.3% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	—
Net Income Growth YoY (%)	N/M	N/M	55.3% Excellent ↑ Excellent Improving Year-over-year change in net income	-5.9% Weak ↑ Weak Improving Year-over-year change in net income	-40.7% Weak Weak Year-over-year change in net income	-55.8% Weak Weak Year-over-year change in net income	—
FCF Growth YoY (%)	2.5% Caution Caution Year-over-year change in free cash flow	N/M	N/M	N/M	N/M	N/M	—
Revenue CAGR 3Y (%)	43.5% Excellent ↓ Excellent Declining Compound annual revenue growth over 3 years	70.9% Excellent ↓ Excellent Declining Compound annual revenue growth over 3 years	133.1% Excellent Excellent Compound annual revenue growth over 3 years	101.0% Excellent Excellent Compound annual revenue growth over 3 years	—	—	—
Revenue CAGR 5Y (%)	90.8% Excellent Excellent Compound annual revenue growth over 5 years	79.8% Excellent Excellent Compound annual revenue growth over 5 years	—	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗
Operating Margin (%) (%)	-3.4% Weak ↑ Weak Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-123%)	0.6% Weak ↑ Weak Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-96%)	-4.0% Weak ↑ Weak Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-127%)	-14.9% Weak ↑ Weak Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-199%)	-29.6% Weak ↑ Weak Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-297%)	-86.9% Weak Weak Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-679%)	-53.1% Weak Weak Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-454%)
Effective Tax Rate (%) (%)	-1.3% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	21.9% Fair ↑ Fair Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	-1.2% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	0.1% Excellent ↑ Excellent Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	-0.1% Excellent ↑ Excellent Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	-0.3% Excellent Excellent Actual taxes paid relative to pre-tax income Optimal: 15-25%	-0.7% Excellent Excellent Actual taxes paid relative to pre-tax income Optimal: 15-25%
Profit Margin (%) (%)	-3.8% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-132%)	0.3% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-98%)	-4.6% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-138%)	-15.3% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-227%)	-31.1% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-360%)	-87.9% Weak Weak Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-833%)	-53.5% Weak Weak Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-546%)
FCF Margin (%) (%)	9.4% Caution ↑ Caution Improving Free cash flow as a percentage of revenue Optimal: > 10%	10.7% Fair ↑ Fair Improving Free cash flow as a percentage of revenue Optimal: > 10%	-4.6% Weak ↓ Weak Declining Free cash flow as a percentage of revenue Optimal: > 10%	9.6% Caution ↑ Caution Improving Free cash flow as a percentage of revenue Optimal: > 10%	-9.9% Weak ↓ Weak Declining Free cash flow as a percentage of revenue Optimal: > 10%	48.1% Excellent Excellent Free cash flow as a percentage of revenue Optimal: > 10%	-33.9% Weak Weak Free cash flow as a percentage of revenue Optimal: > 10%
FCF / Net Income (x)	-2.47x Weak ↓ Weak Declining Free cash flow relative to reported net income Optimal: > 1x	38.46x Excellent ↑ Excellent Improving Free cash flow relative to reported net income Optimal: > 1x	1.01x Fair ↑ Fair Improving Free cash flow relative to reported net income Optimal: > 1x	-0.63x Weak ↓ Weak Declining Free cash flow relative to reported net income Optimal: > 1x	0.32x Weak ↑ Weak Improving Free cash flow relative to reported net income Optimal: > 1x	-0.55x Weak Weak Free cash flow relative to reported net income Optimal: > 1x	0.63x Weak Weak Free cash flow relative to reported net income Optimal: > 1x

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗
Return on Invested Capital (%)	-28.5% Weak ↓ Weak Declining Return earned on debt + equity capital invested Optimal: > 10%	3.4% Weak ↑ Weak Improving Return earned on debt + equity capital invested Optimal: > 10%	-21.6% Weak ↓ Weak Declining Return earned on debt + equity capital invested Optimal: > 10%	-49.6% Weak ↓ Weak Declining Return earned on debt + equity capital invested Optimal: > 10%	-39.3% Weak Weak Return earned on debt + equity capital invested Optimal: > 10%	35.0% Excellent Excellent Return earned on debt + equity capital invested Optimal: > 10%	—
Return on Capital (%) (%)	-6.3% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	1.2% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	-6.5% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	-13.0% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	-16.4% Weak Weak Operating profit relative to total assets Optimal: > 10%	-17.7% Weak Weak Operating profit relative to total assets Optimal: > 10%	—
Return on Common Equity (%) (%)	-45.3% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-402%)	2.5% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-83%)	-33.7% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-324%)	-68.1% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-554%)	-41.3% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-375%)	31.4% Excellent Excellent Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+109%)	—

⚖️ Is the balance sheet risky? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗
Debt to Equity (x)	0.44x Good ↑ Good Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-27%)	0.30x Excellent ↑ Excellent Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-51%)	0.37x Good ↑ Good Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-38%)	0.33x Good ↑ Good Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-44%)	0.00x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-100%)	-0.11x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-118%)	—
Interest Coverage (x)	-31.01x Weak ↓ Weak Declining Operating income divided by interest expense Optimal: > 5x	1.70x Caution ↑ Caution Improving Operating income divided by interest expense Optimal: > 5x	-9.58x Weak ↑ Weak Improving Operating income divided by interest expense Optimal: > 5x	-26.07x Weak ↑ Weak Improving Operating income divided by interest expense Optimal: > 5x	-115.36x Weak Weak Operating income divided by interest expense Optimal: > 5x	-114.48x Weak Weak Operating income divided by interest expense Optimal: > 5x	—
Net Debt (USD)	$-2.34B	$-1.23B	$-1.57B	$-1.26B	$-1.10B	$-683.84M	$-336.64M
Debt / EBITDA (x)	-1.17x Excellent ↓ Excellent Declining Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	3.35x Caution ↑ Caution Improving Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	-1.46x Excellent ↓ Excellent Declining Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	-0.52x Excellent ↓ Excellent Declining Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	0.00x Excellent Excellent Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	-0.36x Excellent Excellent Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	—

📊 What does each share earn? 6 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗
Revenue per Share (USD)	$44.60	$38.18	$26.45	$18.65	$10.27	$15.81	$16.94
Basic EPS, GAAP (USD)	$-1.69	$0.11	$-1.22	$-2.85	$-3.20	$-14.16	$-9.06
Free Cash Flow per Share (USD)	$4.17	$4.07	$-1.23	$1.79	$-1.02	$7.61	$-5.74
Book Value per Share (USD)	$3.73	$4.22	$3.63	$4.19	$7.75	$-44.28	—
Tangible Book Value per Share (USD)	$3.73	$4.22	$3.63	$4.19	$7.75	$-44.28	—
Basic Weighted Avg Shares (shares)	262.39M	240.39M	221.66M	212.47M	178.97M	29.26M	28.81M

🏦 How resilient is the balance sheet? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗
Working Capital (USD)	$-249.18M	$-618.06M	$632.09M	$857.63M	$453.64M	$204.85M	—
LT Debt (USD)	$430.10M	$299.56M	$298.78M	$298.00M	$0.00	$142.49M	—
Total Equity (USD)	$977.65M	$1.01B	$803.97M	$890.38M	$1.39B	$-1.30B	—

📋 What is driving earnings? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗
Sales/Revenue/Turnover (USD)	$11.70B	$9.18B	$5.86B	$3.96B	$1.84B	$462.80M	$488.19M
Depreciation Expense (USD)	$28.89M	$32.15M	$30.69M	$15.28M	$14.61M	$11.29M	$6.90M
Net Income, GAAP (USD)	$-443.15M	$25.43M	$-270.73M	$-606.27M	$-572.61M	$-406.82M	$-261.18M
Operating Cash Flow (USD)	$1.09B	$978.19M	$-272.16M	$380.35M	$-181.75M	$222.73M	$-165.37M

⌨️ Keyboard Shortcuts

/ Search

Esc Clear

A Annual

Q Quarterly

1-7 Jump to category

R Reset

bar_chart Data from SEC EDGAR XBRL filings

Synced 1 week ago 7 years · 26 quarters

Oscar Health, Inc.

Analytical Summary

7-Year Financial Trajectory

Bullish Indicators

Bearish Risks

Health Breakdown

Statement lens

Benchmark Lens

Signals

Percentile Rankings

Peer Comparison

Compare OSCR with peers