Oscar Health, Inc. (OSCR)

From the record

Oscar Health, Inc.'s filings since 2017 show no warning events in the scan: no bankruptcy or receivership notice, no debt default notice, no exchange listing notice, no restatement warning, no auditor change, no material cyber incident and no late-report notice (its current reports).

From the record

Oscar Health, Inc.'s 7 filed years say what it did: revenue went from $488 million in fiscal 2019 to $12 billion in fiscal 2025, up 69.8% a year; it rose in 5 of 6 years; the deepest fall was 5% from fiscal 2019 to fiscal 2020; net income was positive in 1 of 7 of those years (its annual reports).

From the record

Over the 3 fiscal years to 2025-12-31, Oscar Health, Inc.'s diluted share count grew about 7.3% a year, and dividends and buybacks returned about 0% of its operating cash flow over 3 years (its filed statements). Its officers and directors filed 62 sales (57 under scheduled 10b5-1 plans) and 1 purchase of their own stock on the open market in the year to 2026-10-13, buying about $12 million (their Form 4 filings).

From the record

Return on equity: in the fiscal year ended 2025-12-31, Oscar Health, Inc. lost about 45 cents for every dollar of shareholders' money. Leverage: it owed about 84 cents per dollar of assets, and net share issuance: its share count shrank 1.3% over the year (the filed statements).

From the record

Oscar Health, Inc.'s standing among 10 graded names in its industry family: revenue of $12 billion in fiscal 2025 ranks in the bottom 35% by size; a net margin of -3.8% ranks in the bottom 15%; revenue growth of 43.4% a year over the last 3 filed years ranks in the top 5% (its annual reports).

From the record

Oscar Health, Inc.'s leadership, from its insiders' filings and its current reports: the chief executive on the record is Bertolini, Mark T (Chief Executive Officer, as filed), filing under that title since 2023-04-05, 3.6 years (bottom 39% of its family); the 13 officers and directors filing in the last fifteen months have been on the record a median of 5.7 years (top 28%); 3 officer or director changes were reported on Form 8-K since 2023-11-13, against the 13 people in charge now (top 25%; fewer changes for each person reads higher) (the Form 4 record, its Form 8-K reports). Years count from a person's first filing in the SEC's data sets, which begin in 2006, so each is a floor.

From the record

Oscar Health, Inc.'s room to grow, from the newest filed statements (fiscal 2025): cash of $2.8 billion against debt of $430 million leaves 37.5% of its assets as net cash, top 5% of its family; cash from operations less capital spending is 9% of revenue (top 5%) (its annual report).

From the record

Oscar Health, Inc.'s growth drivers, from the filed years to fiscal 2025: revenue grew 43.4% a year over the last three filed years against 69.8% over all 7, slowing (bottom 5% of its family); the newest year grew 27.5% (top 25%); capital spending grew 7.8% a year (top 25%) (its annual reports). Oscar Health, Inc. tags no split of its revenue by line in the annual report on file, so growth by line cannot be read here; research and capital spending are on the trend.

From the record

Oscar Health, Inc.'s newest year against its own record: revenue of $12 billion in fiscal 2025 came in 16.2% below the $14 billion its prior three years' pace pointed to (bottom 5% of its family); net income of $443 million against a prior three-year average of $284 million (bottom 15%); a net margin of -3.8% against -6.5% before (top 35%) (its annual reports).