OSCR - Oscar Health, Inc.

📈 Is growth accelerating? 6 metrics

Metric	Q2 FY2026 Jun 30, 2026 10-Q ↗	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Jun 30, 2021 10-Q ↗	Q1 FY2021 Mar 31, 2021 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗	Q3 FY2020 Sep 30, 2020 10-Q ↗	Q2 FY2020 Jun 30, 2020 10-Q ↗	Q1 FY2020 Mar 31, 2020 10-Q ↗	Q4 FY2019 Dec 31, 2019 10-K ↗
Revenue Growth YoY (%)	70.4% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+780%)	52.6% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+557%)	17.3% Good ↓ Good Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+116%)	23.2% Excellent ↓ Excellent Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+190%)	29.0% Excellent ↓ Excellent Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+263%)	42.2% Excellent ↓ Excellent Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+427%)	67.1% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+739%)	68.3% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+754%)	45.9% Excellent → Excellent Stable Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+473%)	45.8% Excellent → Excellent Stable Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+472%)	43.9% Excellent ↓ Excellent Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+448%)	47.2% Excellent ↓ Excellent Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+490%)	49.6% Excellent ↓ Excellent Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+520%)	51.1% Excellent ↓ Excellent Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+539%)	100.6% Excellent ↓ Excellent Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+1158%)	120.4% Excellent ↓ Excellent Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+1405%)	92.2% Excellent ↓ Excellent Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+1053%)	163.3% Excellent ↓ Excellent Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+1942%)	214.6% Excellent ↓ Excellent Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+2583%)	336.6% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+4107%)	—	319.3% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+3891%)	—	—	—	—	—
EPS Growth YoY (%)	N/M	107.3% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-109.4% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-140.9% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	N/M	42.9% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	4.5% Caution Caution Year-over-year change in earnings per share Optimal: > 10%	24.1% Good Good Year-over-year change in earnings per share Optimal: > 10%	N/M	N/M	36.2% Excellent ↓ Excellent Declining Year-over-year change in earnings per share Optimal: > 10%	68.1% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	86.8% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	50.0% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-7.1% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	10.8% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	-51.4% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	63.3% Excellent ↓ Excellent Declining Year-over-year change in earnings per share Optimal: > 10%	85.3% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	62.5% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	—	70.8% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	—	—	—	—	—
Net Income Growth YoY (%)	N/M	146.7% Excellent ↑ Excellent Improving Year-over-year change in net income	-129.6% Weak ↓ Weak Declining Year-over-year change in net income	-151.8% Weak ↓ Weak Declining Year-over-year change in net income	N/M	55.2% Excellent ↑ Excellent Improving Year-over-year change in net income	-2.3% Weak Weak Year-over-year change in net income	16.5% Good Good Year-over-year change in net income	N/M	N/M	33.6% Excellent ↓ Excellent Declining Year-over-year change in net income	66.1% Excellent ↑ Excellent Improving Year-over-year change in net income	86.2% Excellent ↑ Excellent Improving Year-over-year change in net income	47.1% Excellent ↑ Excellent Improving Year-over-year change in net income	-13.6% Weak ↓ Weak Declining Year-over-year change in net income	8.8% Fair ↑ Fair Improving Year-over-year change in net income	-53.0% Weak ↓ Weak Declining Year-over-year change in net income	14.0% Fair ↑ Fair Improving Year-over-year change in net income	-4.8% Weak ↑ Weak Improving Year-over-year change in net income	-118.3% Weak Weak Year-over-year change in net income	—	9.8% Fair Fair Year-over-year change in net income	—	—	—	—	—
FCF Growth YoY (%)	—	151.2% Excellent Excellent Year-over-year change in free cash flow	—	—	—	27.6% Excellent Excellent Year-over-year change in free cash flow	—	—	—	43.4% Excellent Excellent Year-over-year change in free cash flow	—	—	—	-28.5% Weak Weak Year-over-year change in free cash flow	—	—	—	-25.2% Weak Weak Year-over-year change in free cash flow	—	—	—	-2.9% Weak Weak Year-over-year change in free cash flow	—	—	—	—	—
Revenue CAGR 3Y (%)	47.5% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	46.8% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	41.3% Excellent ↓ Excellent Declining Compound annual revenue growth over 3 years	45.1% Excellent ↓ Excellent Declining Compound annual revenue growth over 3 years	41.2% Excellent ↓ Excellent Declining Compound annual revenue growth over 3 years	46.3% Excellent ↓ Excellent Declining Compound annual revenue growth over 3 years	69.0% Excellent → Excellent Stable Compound annual revenue growth over 3 years	76.1% Excellent ↓ Excellent Declining Compound annual revenue growth over 3 years	61.3% Excellent ↓ Excellent Declining Compound annual revenue growth over 3 years	79.7% Excellent ↓ Excellent Declining Compound annual revenue growth over 3 years	108.6% Excellent ↓ Excellent Declining Compound annual revenue growth over 3 years	141.9% Excellent Excellent Compound annual revenue growth over 3 years	—	155.5% Excellent Excellent Compound annual revenue growth over 3 years	—	—	—	—	—	—	—	—	—	—	—	—	—
Revenue CAGR 5Y (%)	55.9% Excellent ↓ Excellent Declining Compound annual revenue growth over 5 years	65.9% Excellent ↓ Excellent Declining Compound annual revenue growth over 5 years	77.8% Excellent ↓ Excellent Declining Compound annual revenue growth over 5 years	96.6% Excellent Excellent Compound annual revenue growth over 5 years	—	103.1% Excellent Excellent Compound annual revenue growth over 5 years	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	Q2 FY2026 Jun 30, 2026 10-Q ↗	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Jun 30, 2021 10-Q ↗	Q1 FY2021 Mar 31, 2021 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗	Q3 FY2020 Sep 30, 2020 10-Q ↗	Q2 FY2020 Jun 30, 2020 10-Q ↗	Q1 FY2020 Mar 31, 2020 10-Q ↗	Q4 FY2019 Dec 31, 2019 10-K ↗
Operating Margin (%) (%)	8.0% Caution ↑ Caution Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-47%)	15.2% Fair ↑ Fair Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	-11.9% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-179%)	-4.3% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-129%)	-8.0% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-154%)	9.8% Caution ↑ Caution Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-35%)	-6.2% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-141%)	-2.0% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-113%)	3.1% Weak ↑ Weak Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-80%)	8.7% Caution ↑ Caution Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-42%)	-10.2% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-168%)	-4.0% Weak ↑ Weak Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-127%)	-0.4% Weak ↑ Weak Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-103%)	-1.7% Weak ↑ Weak Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-112%)	-22.4% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-249%)	-19.7% Weak → Weak Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-231%)	-10.5% Weak ↑ Weak Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-170%)	-7.0% Weak ↑ Weak Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-147%)	-39.6% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-364%)	-47.7% Weak → Weak Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-418%)	-13.7% Weak ↑ Weak Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-191%)	-16.9% Weak ↑ Weak Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-213%)	-118.5% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-890%)	-78.8% Weak Weak Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-625%)	—	-108.9% Weak Weak Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-826%)	—
Effective Tax Rate (%) (%)	5.5% Excellent ↑ Excellent Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	2.8% Excellent ↑ Excellent Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	0.1% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	1.3% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	2.2% Excellent ↑ Excellent Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	4.4% Excellent ↑ Excellent Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	0.3% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	-4.0% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	7.6% Excellent ↑ Excellent Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	0.6% Excellent ↑ Excellent Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	0.5% Excellent ↑ Excellent Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	-1.4% Excellent ↑ Excellent Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	-8.2% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	-5.4% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	0.3% Excellent ↑ Excellent Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	0.8% Excellent ↑ Excellent Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	-0.3% Excellent ↑ Excellent Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	-2.0% 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%	0.3% Excellent ↑ Excellent Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	-0.8% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	-1.1% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	0.3% Excellent ↑ Excellent Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	1.2% Excellent Excellent Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	-1.0% Excellent Excellent Actual taxes paid relative to pre-tax income Optimal: 15-25%	—
Profit Margin (%) (%)	7.4% Caution ↑ Caution Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-38%)	14.6% Fair ↑ Fair Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+22%)	-12.6% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-205%)	-4.6% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-138%)	-8.0% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-166%)	9.0% Caution ↑ Caution Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-25%)	-6.4% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-153%)	-2.3% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-119%)	2.5% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-79%)	8.3% Caution ↑ Caution Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-31%)	-10.5% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-187%)	-4.5% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-138%)	-1.0% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-109%)	-2.7% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-123%)	-22.7% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-289%)	-19.7% Weak → Weak Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-264%)	-11.0% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-192%)	-7.7% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-164%)	-40.1% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-434%)	-47.6% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-497%)	-13.9% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-215%)	-23.7% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-297%)	-120.4% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-1104%)	-95.3% Weak Weak Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-894%)	—	-110.0% Weak Weak Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-1016%)	—
FCF Margin (%) (%)	42.9% Excellent ↑ Excellent Improving Free cash flow as a percentage of revenue Optimal: > 10%	56.4% Excellent ↑ Excellent Improving Free cash flow as a percentage of revenue Optimal: > 10%	24.0% Excellent ↑ Excellent Improving Free cash flow as a percentage of revenue Optimal: > 10%	-32.3% Weak ↓ Weak Declining Free cash flow as a percentage of revenue Optimal: > 10%	—	28.8% Excellent Excellent Free cash flow as a percentage of revenue Optimal: > 10%	14.5% Fair Fair Free cash flow as a percentage of revenue Optimal: > 10%	—	—	29.6% Excellent Excellent Free cash flow as a percentage of revenue Optimal: > 10%	20.7% Excellent Excellent Free cash flow as a percentage of revenue Optimal: > 10%	—	—	28.2% Excellent Excellent Free cash flow as a percentage of revenue Optimal: > 10%	15.2% Good Good Free cash flow as a percentage of revenue Optimal: > 10%	—	—	57.9% Excellent ↑ Excellent Improving Free cash flow as a percentage of revenue Optimal: > 10%	7.0% Caution ↑ Caution Improving Free cash flow as a percentage of revenue Optimal: > 10%	-132.7% Weak ↓ Weak Declining Free cash flow as a percentage of revenue Optimal: > 10%	10.5% Fair ↓ Fair Declining Free cash flow as a percentage of revenue Optimal: > 10%	86.0% Excellent Excellent Free cash flow as a percentage of revenue Optimal: > 10%	56.4% Excellent Excellent Free cash flow as a percentage of revenue Optimal: > 10%	—	—	120.7% Excellent Excellent Free cash flow as a percentage of revenue Optimal: > 10%	—
FCF / Net Income (x)	5.78x Excellent ↑ Excellent Improving Free cash flow relative to reported net income Optimal: > 1x	3.86x Excellent ↑ Excellent Improving Free cash flow relative to reported net income Optimal: > 1x	-1.91x Weak ↓ Weak Declining Free cash flow relative to reported net income Optimal: > 1x	7.02x Excellent ↑ Excellent Improving Free cash flow relative to reported net income Optimal: > 1x	—	3.19x Excellent Excellent Free cash flow relative to reported net income Optimal: > 1x	-2.26x Weak Weak Free cash flow relative to reported net income Optimal: > 1x	—	—	3.58x Excellent Excellent Free cash flow relative to reported net income Optimal: > 1x	-1.98x Weak Weak Free cash flow relative to reported net income Optimal: > 1x	—	—	-10.43x Weak Weak Free cash flow relative to reported net income Optimal: > 1x	-0.67x Weak Weak Free cash flow relative to reported net income Optimal: > 1x	—	—	-7.49x Weak ↓ Weak Declining Free cash flow relative to reported net income Optimal: > 1x	-0.17x Weak ↑ Weak Improving Free cash flow relative to reported net income Optimal: > 1x	2.79x Excellent ↑ Excellent Improving Free cash flow relative to reported net income Optimal: > 1x	-0.75x Weak ↑ Weak Improving Free cash flow relative to reported net income Optimal: > 1x	-3.64x Weak Weak Free cash flow relative to reported net income Optimal: > 1x	-0.47x Weak Weak Free cash flow relative to reported net income Optimal: > 1x	—	—	-1.10x Weak Weak Free cash flow relative to reported net income Optimal: > 1x	—

🎯 Is capital allocation efficient? 3 metrics

Metric	Q2 FY2026 Jun 30, 2026 10-Q ↗	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Jun 30, 2021 10-Q ↗	Q1 FY2021 Mar 31, 2021 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗	Q3 FY2020 Sep 30, 2020 10-Q ↗	Q2 FY2020 Jun 30, 2020 10-Q ↗	Q1 FY2020 Mar 31, 2020 10-Q ↗	Q4 FY2019 Dec 31, 2019 10-K ↗
Return on Invested Capital (%)	14.8% Good ↑ Good Improving Return earned on debt + equity capital invested Optimal: > 10%	32.7% Excellent ↑ Excellent Improving Return earned on debt + equity capital invested Optimal: > 10%	-23.7% Weak ↓ Weak Declining Return earned on debt + equity capital invested Optimal: > 10%	-7.5% Weak ↓ Weak Declining Return earned on debt + equity capital invested Optimal: > 10%	-15.5% Weak ↓ Weak Declining Return earned on debt + equity capital invested Optimal: > 10%	17.4% Excellent ↑ Excellent Improving Return earned on debt + equity capital invested Optimal: > 10%	-11.2% Weak ↓ Weak Declining Return earned on debt + equity capital invested Optimal: > 10%	-3.4% Weak ↓ Weak Declining Return earned on debt + equity capital invested Optimal: > 10%	4.4% Caution → Caution Stable Return earned on debt + equity capital invested Optimal: > 10%	13.9% Good ↑ Good Improving Return earned on debt + equity capital invested Optimal: > 10%	—	-4.8% Weak ↓ Weak Declining Return earned on debt + equity capital invested Optimal: > 10%	-0.6% Weak ↑ Weak Improving Return earned on debt + equity capital invested Optimal: > 10%	-2.2% Weak ↑ Weak Improving Return earned on debt + equity capital invested Optimal: > 10%	—	-13.8% Weak ↓ Weak Declining Return earned on debt + equity capital invested Optimal: > 10%	-6.9% Weak Weak Return earned on debt + equity capital invested Optimal: > 10%	-4.3% Weak Weak Return earned on debt + equity capital invested Optimal: > 10%	—	—	—	-3.5% Weak Weak Return earned on debt + equity capital invested Optimal: > 10%	—	7.0% Caution Caution Return earned on debt + equity capital invested Optimal: > 10%	—	9.4% Fair Fair Return earned on debt + equity capital invested Optimal: > 10%	—
Return on Capital (%) (%)	3.5% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	7.6% Fair ↑ Fair Improving Operating profit relative to total assets Optimal: > 10%	-5.3% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	-2.2% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	-3.6% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	5.1% Caution ↑ Caution Improving Operating profit relative to total assets Optimal: > 10%	-3.1% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	-1.1% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.4% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	4.2% Caution ↑ Caution Improving Operating profit relative to total assets Optimal: > 10%	—	-1.7% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	-0.1% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	-0.6% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	—	-4.5% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	-2.2% Weak Weak Operating profit relative to total assets Optimal: > 10%	-1.6% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—	—	-1.7% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—	—	—	—
Return on Common Equity (%) (%)	17.6% Good ↑ Good Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+18%)	40.8% Excellent ↑ Excellent Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+172%)	-36.1% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-340%)	-13.4% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-189%)	-19.7% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-231%)	20.6% Excellent ↑ Excellent Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+38%)	-15.1% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-201%)	-4.7% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-131%)	4.9% Weak → Weak Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-67%)	17.2% Good ↑ Good Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+15%)	—	-7.1% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-147%)	-1.6% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-111%)	-4.3% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-129%)	—	-17.8% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-219%)	-9.0% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-160%)	-5.6% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-138%)	—	—	—	-4.9% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-133%)	—	8.5% Caution Caution Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-43%)	—	9.4% Caution Caution Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-37%)	—

⚖️ Is the balance sheet risky? 4 metrics

Metric	Q2 FY2026 Jun 30, 2026 10-Q ↗	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Jun 30, 2021 10-Q ↗	Q1 FY2021 Mar 31, 2021 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗	Q3 FY2020 Sep 30, 2020 10-Q ↗	Q2 FY2020 Jun 30, 2020 10-Q ↗	Q1 FY2020 Mar 31, 2020 10-Q ↗	Q4 FY2019 Dec 31, 2019 10-K ↗
Debt to Equity (x)	0.21x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-65%)	0.26x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-57%)	0.44x Good ↑ Good Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-27%)	0.67x Fair ↑ Fair Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+12%)	0.26x Excellent → Excellent Stable Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-57%)	0.22x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-63%)	0.30x Excellent ↑ Excellent Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-51%)	0.26x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-57%)	0.26x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-56%)	0.29x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-52%)	—	0.32x Good → Good Stable Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-46%)	0.31x Good ↑ Good Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-48%)	0.32x Good ↑ Good Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-47%)	—	0.28x Excellent ↑ Excellent Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-54%)	0.24x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-60%)	0.22x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-63%)	—	—	—	0.00x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-100%)	—	—	—	—	—
Interest Coverage (x)	213.18x Excellent ↑ Excellent Improving Operating income divided by interest expense Optimal: > 5x	168.56x Excellent ↑ Excellent Improving Operating income divided by interest expense Optimal: > 5x	-263.21x Weak ↓ Weak Declining Operating income divided by interest expense Optimal: > 5x	-833.87x Weak ↓ Weak Declining Operating income divided by interest expense Optimal: > 5x	—	1929.37x Excellent Excellent Operating income divided by interest expense Optimal: > 5x	-13.18x Weak Weak Operating income divided by interest expense Optimal: > 5x	—	—	31.44x Excellent ↑ Excellent Improving Operating income divided by interest expense Optimal: > 5x	-553.14x Weak ↓ Weak Declining Operating income divided by interest expense Optimal: > 5x	-9.50x Weak ↑ Weak Improving Operating income divided by interest expense Optimal: > 5x	-1.07x Weak ↑ Weak Improving Operating income divided by interest expense Optimal: > 5x	-4.13x Weak ↑ Weak Improving Operating income divided by interest expense Optimal: > 5x	-827.06x Weak ↓ Weak Declining Operating income divided by interest expense Optimal: > 5x	-31.40x Weak ↑ Weak Improving Operating income divided by interest expense Optimal: > 5x	-17.34x Weak ↑ Weak Improving Operating income divided by interest expense Optimal: > 5x	-16.24x Weak ↑ Weak Improving Operating income divided by interest expense Optimal: > 5x	-494.34x Weak ↓ Weak Declining Operating income divided by interest expense Optimal: > 5x	-531.86x Weak ↓ Weak Declining Operating income divided by interest expense Optimal: > 5x	-318.01x Weak ↓ Weak Declining Operating income divided by interest expense Optimal: > 5x	-16.91x Weak Weak Operating income divided by interest expense Optimal: > 5x	-53.17x Weak Weak Operating income divided by interest expense Optimal: > 5x	—	—	—	—
Net Debt (USD)	$-3.64B	$-4.37B	$-2.34B	$-1.46B	$-2.30B	$-1.94B	$-1.23B	$-906.78M	$-1.97B	$-1.93B	$-1.87B	$-1.10B	$-2.02B	$-1.81B	$-1.56B	$-1.82B	$-2.07B	$-1.77B	$-1.10B	$-1.08B	$-1.67B	$-2.32B	$-826.33M	$-337.41M	$-988.53M	$-491.71M	$-336.64M
Debt / EBITDA (x)	1.09x Good ↑ Good Improving Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	0.61x Excellent ↑ Excellent Improving Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	-1.32x Excellent ↑ Excellent Improving Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	-5.63x Excellent ↓ Excellent Declining Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	-1.30x Excellent ↑ Excellent Improving Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	0.99x Excellent ↑ Excellent Improving Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	-2.16x Excellent ↓ Excellent Declining Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	-6.19x Excellent ↓ Excellent Declining Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	4.41x Weak ↑ Weak Improving Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	1.55x Good ↑ Good Improving Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	—	-5.13x Excellent ↑ Excellent Improving Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	-45.70x Excellent ↓ Excellent Declining Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	-14.60x Excellent ↓ Excellent Declining Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	—	-1.55x Excellent ↑ Excellent Improving Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	-2.79x Excellent Excellent Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	-4.59x Excellent Excellent Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	—	—	—	0.00x Excellent Excellent Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	—	—	—	—	—

📊 What does each share earn? 6 metrics

Metric	Q2 FY2026 Jun 30, 2026 10-Q ↗	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Jun 30, 2021 10-Q ↗	Q1 FY2021 Mar 31, 2021 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗	Q3 FY2020 Sep 30, 2020 10-Q ↗	Q2 FY2020 Jun 30, 2020 10-Q ↗	Q1 FY2020 Mar 31, 2020 10-Q ↗	Q4 FY2019 Dec 31, 2019 10-K ↗
Revenue per Share (USD)	$16.15	$15.58	—	$11.52	$11.21	$12.12	—	$9.97	$9.30	$9.26	—	$6.45	$6.93	$6.78	—	$4.60	$4.81	$4.62	—	$2.13	$2.55	$4.16	—	$3.50	—	$3.05	—
Basic EPS, GAAP (USD)	$1.20	$2.28	$-1.34	$-0.53	$-0.89	$1.10	$-0.64	$-0.22	$0.24	$0.77	$-0.67	$-0.29	$-0.07	$-0.18	$-1.05	$-0.91	$-0.53	$-0.36	$-0.98	$-1.02	$-0.35	$-0.98	$-6.66	$-2.72	—	$-3.36	—
Free Cash Flow per Share (USD)	$6.92	$8.78	—	$-3.72	—	$3.50	—	—	—	$2.74	—	—	—	$1.91	—	—	—	$2.67	—	$-2.83	$0.27	$3.57	—	—	—	$3.68	—
Book Value per Share (USD)	$6.79	$5.58	—	$3.95	$4.53	$5.31	—	$4.78	$4.77	$4.46	—	$4.12	$4.33	$4.29	—	$5.08	$5.89	$6.33	—	—	—	$20.10	—	$-39.15	—	$-35.74	—
Tangible Book Value per Share (USD)	$6.79	$5.58	—	$3.95	$4.53	$5.31	—	$4.78	$4.77	$4.46	—	$4.12	$4.33	$4.29	—	$5.08	$5.89	$6.33	—	—	—	$20.10	—	$-39.15	—	$-35.74	—
Basic Weighted Avg Shares (shares)	302.22M	298.18M	—	259.27M	255.53M	251.28M	—	243.11M	238.67M	231.44M	—	223.10M	219.40M	216.91M	—	212.82M	211.31M	210.55M	—	208.16M	207.48M	88.87M	—	29.04M	—	28.87M	—

🏦 How resilient is the balance sheet? 3 metrics

Metric	Q2 FY2026 Jun 30, 2026 10-Q ↗	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Jun 30, 2021 10-Q ↗	Q1 FY2021 Mar 31, 2021 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗	Q3 FY2020 Sep 30, 2020 10-Q ↗	Q2 FY2020 Jun 30, 2020 10-Q ↗	Q1 FY2020 Mar 31, 2020 10-Q ↗	Q4 FY2019 Dec 31, 2019 10-K ↗
Working Capital (USD)	$683.68M	$636.95M	$-249.18M	$-214.31M	$-552.34M	$-374.08M	$-618.06M	$-586.72M	$-142.65M	$484.37M	—	$930.75M	$948.32M	$949.52M	—	$1.08B	$1.13B	$1.03B	—	—	—	$1.37B	—	—	—	—	—
LT Debt (USD)	$431.63M	$430.88M	$430.10M	$686.29M	$299.94M	$299.75M	$299.56M	$299.36M	$299.17M	$298.97M	—	$298.58M	$298.39M	$298.19M	—	$297.81M	$297.61M	$297.42M	—	—	—	$0.00	—	—	—	—	—
Total Equity (USD)	$2.05B	$1.66B	$977.65M	$1.02B	$1.16B	$1.33B	$1.01B	$1.16B	$1.14B	$1.03B	—	$919.48M	$949.70M	$929.60M	—	$1.08B	$1.25B	$1.33B	—	—	—	$1.79B	—	$-1.14B	$-1.07B	$-1.03B	—

📋 What is driving earnings? 4 metrics

Metric	Q2 FY2026 Jun 30, 2026 10-Q ↗	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Jun 30, 2021 10-Q ↗	Q1 FY2021 Mar 31, 2021 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗	Q3 FY2020 Sep 30, 2020 10-Q ↗	Q2 FY2020 Jun 30, 2020 10-Q ↗	Q1 FY2020 Mar 31, 2020 10-Q ↗	Q4 FY2019 Dec 31, 2019 10-K ↗
Sales/Revenue/Turnover (USD)	$4.88B	$4.65B	$2.81B	$2.99B	$2.86B	$3.05B	$2.39B	$2.42B	$2.22B	$2.14B	$1.43B	$1.44B	$1.52B	$1.47B	$995.13M	$978.43M	$1.02B	$972.76M	$496.07M	$443.98M	$529.28M	$369.39M	$157.67M	$101.70M	—	$88.10M	—
Depreciation Expense (USD)	$6.03M	$7.02M	$7.88M	$7.31M	—	$6.73M	$9.23M	—	—	$7.81M	$7.74M	—	—	$4.94M	$3.73M	—	—	$3.80M	$3.97M	$3.65M	$3.59M	$3.40M	$3.29M	—	—	$2.54M	—
Net Income, GAAP (USD)	$361.81M	$679.00M	$-352.61M	$-137.45M	$-228.36M	$275.27M	$-153.55M	$-54.60M	$56.21M	$177.37M	$-150.03M	$-65.40M	$-15.53M	$-39.77M	$-226.05M	$-192.91M	$-112.16M	$-75.15M	$-198.92M	$-211.48M	$-73.32M	$-87.37M	$-189.87M	$-96.88M	—	$-96.88M	—
Operating Cash Flow (USD)	$2.09B	$2.62B	$671.90M	$-964.66M	—	$878.54M	$346.82M	—	—	$634.36M	$296.87M	—	—	$414.71M	$151.39M	—	—	$562.85M	$34.48M	$-589.25M	$55.34M	$317.69M	$88.98M	—	—	$106.35M	—

Oscar Health, Inc.

Analytical Summary

27-Year Financial Trajectory

Bullish Indicators

Bearish Risks

Health Breakdown

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