OSCR

Oscar Health, Inc. Health Care Hospital & Medical Service Plans Russell 3000
$30.37Close $10.85 – $34.3252-week range Nov 5, 2026Next report · before the open

Highlights

Strengths

  • Leading the market RS 92 · stronger than 92% of stocks over 12 months

Cautions

  • Trend not confirmed 7 of 8 conditions · under the 50-day
  • Results soon Nov 5, 2026, in 4 days
  • Financial distress Altman Z″ in the distress zone

Price

Filing Results Screen pick 52-week high and low Adjusted prices

Key figures

FY to Dec 31, 2025 · filed Aug 7, 2026
Off 12-month high 12%
1wk down 2.0% price change
1mo down 1.5% price change
12-month return up 68% market up 11% · its own up 50%
F-score — — Not assessed
Altman Z″ -2.19 Elevated risk
P/E — price / earnings
PEG — P/E / EPS growth
P/B — price / book
Earnings yield — EBIT / enterprise value
Cheaper than — of the market · not assessed
Revenue growth up 39% year on year
EPS growth — latest quarter
Sales growth down 6% latest quarter · -38 pts
ROE down 45% return on equity
Free cash margin up 3702% $1.1B FCF
D/E 0.44 long-term debt / equity
Net debt / EBITDA —
Interest cover —EBIT / interest
Piotroski tests

Repair signals

  • Revenue reaccelerating (-4% then +39%)

Trade setup

ATR% 4.9% $1.49 a day · 2×ATR $27.39
RS 92 / 99 vs the universe
Trend 7 / 8 under the 50-day
Relative volume 0.7× vs 50-day average
Up/down volume 1.12 50 sessions
Implied move — no option chain · report Nov 5, 2026
Trend template · 7 of 8
  • Price above the 50-day average: fails

Screen verdict

Did not qualify for any screen.

Warning signs

1 flagged
  • Bankruptcy model reads distressed The Altman score sits inside the range historically associated with financial distress. It is used here only to exclude, never to rank, and it is a statistical band rather than a prediction about this company.
Last reported Aug 6, 2026
Last shock Aug 6, 2026-12% in one session2.6× volumeon results+14% since

Financials

6 fiscal years · from filings
Revenue What customers paid the company over its fiscal year, before any cost, as filed in its annual report. The change is against the year before. Methodology $28.6M +39% on FY2024
$0 $100M FY20 FY21 FY22 FY23 FY24 FY25 FY2020 · $0 FY2021 · $5.4M FY2022 · $64.9M FY2023 · $21.4M FY2024 · $20.6M FY2025 · $28.6M
Net income Profit left after every cost, interest and tax for the year. A column below the line is a loss. Methodology -$443.2M down to a loss
-$1B $0 FY20 FY21 FY22 FY23 FY24 FY25 FY2020 · -$406.8M FY2021 · -$572.6M FY2022 · -$606.3M FY2023 · -$270.7M FY2024 · $25.4M FY2025 · -$443.2M
Free cash flow Cash from running the business less what it spent on equipment and buildings: the cash a year actually left behind, which profit alone does not show. Not shown for banks and insurers, whose cash moves with their loans. Methodology $1.1B +11% on FY2024
-$500M $0 $2B FY20 FY21 FY22 FY23 FY24 FY25 FY2020 · $208.7M FY2021 · -$207.6M FY2022 · $351.3M FY2023 · -$297.7M FY2024 · $950.3M FY2025 · $1.1B
Margins Each as a share of revenue. Gross: left after the direct cost of what was sold. Net: left after every cost. Free cash: free cash flow over revenue. A margin rising over years means the business keeps more of each dollar it sells. Methodology
  • Net -1550%
  • Free cash 3702%
-20000% 0% 5000% FY20 FY21 FY22 FY23 FY24 FY25 FY2020 FY2021 · Net -10616% · Free cash -3849% FY2022 · Net -934% · Free cash 541% FY2023 · Net -1268% · Free cash -1394% FY2024 · Net 124% · Free cash 4618% FY2025 · Net -1550% · Free cash 3702%
Cash and long-term debt Cash on the balance sheet at the year's end beside debt due after a year. Net cash is cash less that debt; net debt is the shortfall. Debt some filers do not tag shows as a gap, not as zero. Methodology $2.3B net cash
  • Cash
  • Long-term debt
$0 $5B FY20 FY21 FY22 FY23 FY24 FY25 FY2020 · Cash $826.3M · Long-term debt $142.5M FY2021 · Cash $1.1B · Long-term debt $0 FY2022 · Cash $1.6B · Long-term debt $298.0M FY2023 · Cash $1.9B · Long-term debt $298.8M FY2024 · Cash $1.5B · Long-term debt $299.6M FY2025 · Cash $2.8B · Long-term debt $430.1M
  FY2020Dec 31, 2020 FY2021Dec 31, 2021 FY2022Dec 31, 2022 FY2023Dec 31, 2023 FY2024Dec 31, 2024 FY2025Dec 31, 2025
Revenue $0 $5.4M $64.9M $21.4M $20.6M $28.6M
Operating income -$402.3M -$544.5M -$589.9M -$235.6M $57.3M -$396.4M
Net income -$406.8M -$572.6M -$606.3M -$270.7M $25.4M -$443.2M
Net margin — -10616% -934% -1268% 124% -1550%
Earnings per share -$13.90 -$3.20 -$2.85 -$1.22 $0.10 -$1.69
Free cash flow $208.7M -$207.6M $351.3M -$297.7M $950.3M $1.1B
Free cash margin — -3849% 541% -1394% 4618% 3702%
Cash $826.3M $1.1B $1.6B $1.9B $1.5B $2.8B
Long-term debt $142.5M $0 $298.0M $298.8M $299.6M $430.1M
Shareholders' equity -$1.3B $1.4B $890.4M $804.0M $1.0B $977.6M

Filings

SEC EDGAR
FiledReportPeriod to Lag
Aug 7, 2026 Quarterly ↗ Jun 30, 2026 38d
May 7, 2026 Quarterly ↗ Mar 31, 2026 37d
Feb 13, 2026 Annual ↗ Dec 31, 2025 44d
Nov 6, 2025 Quarterly ↗ Sep 30, 2025 37d
Aug 7, 2025 Quarterly ↗ Jun 30, 2025 38d
May 8, 2025 Quarterly ↗ Mar 31, 2025 38d
Feb 20, 2025 Annual ↗ Dec 31, 2024 51d
Nov 7, 2024 Quarterly ↗ Sep 30, 2024 38d
Aug 7, 2024 Quarterly ↗ Jun 30, 2024 38d
May 7, 2024 Quarterly ↗ Mar 31, 2024 37d
Feb 15, 2024 Annual ↗ Dec 31, 2023 46d
Nov 7, 2023 Quarterly ↗ Sep 30, 2023 38d

Current reports