Analysis of Oscar Health's Recent Earnings Report
Written by Emily J. Thompson, Senior Investment Analyst
Updated: 1h ago
0mins
Should l Buy OSCR?
Source: Fool
- Earnings Overview: Oscar Health's recent earnings report indicates a stock price of OSCR+1.42% on February 10, 2026, reflecting a neutral market response to its financial performance.
- Video Content: The video provides a detailed analysis of key financial metrics and insights, aimed at helping investors better understand the company's financial health and future outlook.
- Subscription Recommendation: The video encourages viewers to subscribe to the channel for more financial analyses on Oscar Health and other companies, indicating the company's strategy to enhance its market influence through investor education.
- Special Offer Link: A special offer link is provided in the video, potentially attracting viewers to engage or invest, showcasing the company's proactive approach in customer and investor engagement.
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Analyst Views on OSCR
Wall Street analysts forecast OSCR stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for OSCR is 17.04 USD with a low forecast of 11.00 USD and a high forecast of 25.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.
7 Analyst Rating
1 Buy
4 Hold
2 Sell
Hold
Current: 12.880
Low
11.00
Averages
17.04
High
25.00
Current: 12.880
Low
11.00
Averages
17.04
High
25.00
About OSCR
Oscar Health, Inc. is a healthcare technology company built around a full stack technology platform. The Company's offerings include its insurance business and +Oscar Platform. Its health plans are offered in the individual market. The individual market primarily consists of policies purchased by individuals and families through health insurance marketplaces, established by the ACA and operated by the federal government, as well as other marketplaces operated by individual states. Individuals and families may also purchase policies in the individual market off-exchange. Employees whose employers have chosen to offer an Individual Coverage Health Reimbursement Arrangement (ICHRA) are also able to purchase its health plans. It offers health plans in the individual market under the five metal plan categories defined by the ACA: Catastrophic, Bronze, Silver, Gold, and Platinum. Through the +Oscar platform, the Company deploys its technology to help others throughout the healthcare system.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
Oscar Health Q4 2025 Earnings Call Insights
- Significant Revenue Growth: Oscar Health reported total revenue of $11.7 billion for 2025, marking a 28% year-over-year increase, indicating the company's strengthening competitive position, with an anticipated nearly $750 million improvement in earnings from operations in 2026, showcasing robust profit potential.
- Market Share Gains: Oscar's market share increased from 17% in 2025 to 30% in 2026, reflecting successful customer acquisition and retention strategies, which lay a solid foundation for future expansion.
- Technology-Driven Efficiency: The introduction of AI technology reduced customer service response times by 67% during peak periods, enhancing customer satisfaction and potentially lowering operational costs in the future, thereby supporting the company's profitability.
- Optimistic Future Outlook: Oscar projects total revenues for 2026 to be between $18.7 billion and $19 billion, representing a 61% increase from 2025, while the medical loss ratio is expected to improve by 450 basis points, indicating ongoing growth and enhanced profitability in the market.
See More
Analysis of Oscar Health's Recent Earnings Report
- Earnings Overview: Oscar Health's recent earnings report indicates a stock price of OSCR+1.42% on February 10, 2026, reflecting a neutral market response to its financial performance.
- Video Content: The video provides a detailed analysis of key financial metrics and insights, aimed at helping investors better understand the company's financial health and future outlook.
- Subscription Recommendation: The video encourages viewers to subscribe to the channel for more financial analyses on Oscar Health and other companies, indicating the company's strategy to enhance its market influence through investor education.
- Special Offer Link: A special offer link is provided in the video, potentially attracting viewers to engage or invest, showcasing the company's proactive approach in customer and investor engagement.
See More
Oscar Health Reports Optimistic Guidance Boosting Stock
- Earnings Highlights: Oscar Health reported total revenue of $2.8 billion for Q4 2025, marking a 17% year-over-year increase, although it fell short of analysts' expectations of $3.1 billion, indicating potential for revenue growth.
- Deepening Net Loss: The company's net loss under GAAP widened to nearly $353 million ($1.24 per share), compared to a loss of approximately $154 million in Q4 2024, reflecting challenges in profitability.
- Significant Membership Growth: By the end of the quarter, Oscar's total membership surpassed 2 million, up from under 1.7 million a year ago, demonstrating success in market penetration and customer attraction.
- Optimistic Future Outlook: Oscar projects total revenue between $18.7 billion and $19 billion for 2026, with operational earnings expected to range from $250 million to $450 million, significantly exceeding analysts' consensus estimate of $12.8 billion, showcasing management's confidence in future growth.
See More
Oscar Health Sets 2026 Revenue Outlook Above Consensus
- 2026 Revenue Outlook: Oscar Health projects its 2026 revenue to be between $18.7 billion and $19 billion, exceeding the consensus of $12.8 billion, reflecting strong confidence in future growth driven by record membership and AI efficiencies.
- 2025 Financial Performance: Despite achieving $11.7 billion in revenue for 2025, representing an approximately 28% year-over-year growth, the company reported a GAAP loss of $1.24 per share, missing consensus by $310 million, highlighting challenges in the individual market reset.
- Improvement in Medical Loss Ratio: Oscar anticipates an improvement in its medical loss ratio to 82.4%-83.4% for 2026, indicating a 450-basis point enhancement year-over-year, showcasing the company's efforts in controlling medical costs and enhancing operational efficiency.
- Churn Risk: With the expiration of enhanced premium tax credits, Oscar expects elevated churn rates in its Obamacare plans for 2026, despite implementing measures to mitigate this risk, underscoring the complexities of the market environment.
See More
Oscar Health Reports Q4 Revenue Miss, Sees Growth Ahead
- Revenue Shortfall: Oscar Health reported fourth-quarter revenue of approximately $2.81 billion, an increase from $2.39 billion year-over-year, yet it fell short of the consensus estimate of $3.12 billion, indicating challenges in revenue growth.
- Rising Medical Loss Ratio: The medical loss ratio for the quarter was 95.4%, up from 88.1% a year ago, primarily driven by increased market morbidity and higher utilization, which led to an increase in net risk adjustment transfer accrual, negatively impacting profitability.
- Membership Growth: Total membership surged from 1.68 million to 2.04 million, reflecting the successful appeal of new affordable products and AI features, positioning the company for improved financial performance in the future.
- Financing Enhancement: Last week, Oscar announced a $475 million three-year revolving credit facility, with the CFO noting that the transaction was well-supported by top-tier banks, further optimizing the capital structure and providing flexibility for long-term growth.
See More
Oscar Health Reports Q4 Earnings Miss, Shares Drop Over 5%
- Revenue Miss: Oscar Health's Q4 total revenue of $2.81 billion fell significantly short of Wall Street's $3.12 billion expectations, indicating pressure in market competition that could undermine future investor confidence.
- Wider Loss Per Share: The company reported a loss of $1.24 per share, exceeding the market's anticipated loss of $0.92, reflecting rising operational costs and declining profitability, which may lead to shareholder scrutiny of management.
- Future Revenue Guidance: Oscar Health expects fiscal 2026 revenue to range between $18.7 billion and $19 billion, compared to $11.7 billion in fiscal 2025, demonstrating confidence in future growth, though market reactions remain to be seen.
- Operating Income Outlook: The company anticipates operating income between $250 million and $450 million for FY2026; while the outlook is optimistic, actual execution will directly impact stock performance and investor sentiment.
See More
Oscar Health Q4 2025 Earnings Call Insights
- Significant Revenue Growth: Oscar Health reported total revenue of $11.7 billion for 2025, marking a 28% year-over-year increase, indicating the company's strengthening competitive position, with an anticipated nearly $750 million improvement in earnings from operations in 2026, showcasing robust profit potential.
- Market Share Gains: Oscar's market share increased from 17% in 2025 to 30% in 2026, reflecting successful customer acquisition and retention strategies, which lay a solid foundation for future expansion.
- Technology-Driven Efficiency: The introduction of AI technology reduced customer service response times by 67% during peak periods, enhancing customer satisfaction and potentially lowering operational costs in the future, thereby supporting the company's profitability.
- Optimistic Future Outlook: Oscar projects total revenues for 2026 to be between $18.7 billion and $19 billion, representing a 61% increase from 2025, while the medical loss ratio is expected to improve by 450 basis points, indicating ongoing growth and enhanced profitability in the market.
See More
Analysis of Oscar Health's Recent Earnings Report
- Earnings Overview: Oscar Health's recent earnings report indicates a stock price of OSCR+1.42% on February 10, 2026, reflecting a neutral market response to its financial performance.
- Video Content: The video provides a detailed analysis of key financial metrics and insights, aimed at helping investors better understand the company's financial health and future outlook.
- Subscription Recommendation: The video encourages viewers to subscribe to the channel for more financial analyses on Oscar Health and other companies, indicating the company's strategy to enhance its market influence through investor education.
- Special Offer Link: A special offer link is provided in the video, potentially attracting viewers to engage or invest, showcasing the company's proactive approach in customer and investor engagement.
See More
Oscar Health Reports Optimistic Guidance Boosting Stock
- Earnings Highlights: Oscar Health reported total revenue of $2.8 billion for Q4 2025, marking a 17% year-over-year increase, although it fell short of analysts' expectations of $3.1 billion, indicating potential for revenue growth.
- Deepening Net Loss: The company's net loss under GAAP widened to nearly $353 million ($1.24 per share), compared to a loss of approximately $154 million in Q4 2024, reflecting challenges in profitability.
- Significant Membership Growth: By the end of the quarter, Oscar's total membership surpassed 2 million, up from under 1.7 million a year ago, demonstrating success in market penetration and customer attraction.
- Optimistic Future Outlook: Oscar projects total revenue between $18.7 billion and $19 billion for 2026, with operational earnings expected to range from $250 million to $450 million, significantly exceeding analysts' consensus estimate of $12.8 billion, showcasing management's confidence in future growth.
See More
Oscar Health Sets 2026 Revenue Outlook Above Consensus
- 2026 Revenue Outlook: Oscar Health projects its 2026 revenue to be between $18.7 billion and $19 billion, exceeding the consensus of $12.8 billion, reflecting strong confidence in future growth driven by record membership and AI efficiencies.
- 2025 Financial Performance: Despite achieving $11.7 billion in revenue for 2025, representing an approximately 28% year-over-year growth, the company reported a GAAP loss of $1.24 per share, missing consensus by $310 million, highlighting challenges in the individual market reset.
- Improvement in Medical Loss Ratio: Oscar anticipates an improvement in its medical loss ratio to 82.4%-83.4% for 2026, indicating a 450-basis point enhancement year-over-year, showcasing the company's efforts in controlling medical costs and enhancing operational efficiency.
- Churn Risk: With the expiration of enhanced premium tax credits, Oscar expects elevated churn rates in its Obamacare plans for 2026, despite implementing measures to mitigate this risk, underscoring the complexities of the market environment.
See More
Oscar Health Reports Q4 Revenue Miss, Sees Growth Ahead
- Revenue Shortfall: Oscar Health reported fourth-quarter revenue of approximately $2.81 billion, an increase from $2.39 billion year-over-year, yet it fell short of the consensus estimate of $3.12 billion, indicating challenges in revenue growth.
- Rising Medical Loss Ratio: The medical loss ratio for the quarter was 95.4%, up from 88.1% a year ago, primarily driven by increased market morbidity and higher utilization, which led to an increase in net risk adjustment transfer accrual, negatively impacting profitability.
- Membership Growth: Total membership surged from 1.68 million to 2.04 million, reflecting the successful appeal of new affordable products and AI features, positioning the company for improved financial performance in the future.
- Financing Enhancement: Last week, Oscar announced a $475 million three-year revolving credit facility, with the CFO noting that the transaction was well-supported by top-tier banks, further optimizing the capital structure and providing flexibility for long-term growth.
See More
Oscar Health Reports Q4 Earnings Miss, Shares Drop Over 5%
- Revenue Miss: Oscar Health's Q4 total revenue of $2.81 billion fell significantly short of Wall Street's $3.12 billion expectations, indicating pressure in market competition that could undermine future investor confidence.
- Wider Loss Per Share: The company reported a loss of $1.24 per share, exceeding the market's anticipated loss of $0.92, reflecting rising operational costs and declining profitability, which may lead to shareholder scrutiny of management.
- Future Revenue Guidance: Oscar Health expects fiscal 2026 revenue to range between $18.7 billion and $19 billion, compared to $11.7 billion in fiscal 2025, demonstrating confidence in future growth, though market reactions remain to be seen.
- Operating Income Outlook: The company anticipates operating income between $250 million and $450 million for FY2026; while the outlook is optimistic, actual execution will directly impact stock performance and investor sentiment.
See More
