OSCR Earnings Prediction
The chart below shows how OSCR performed 10 days before and after its earnings report, based on data from the past quarters. Typically, OSCR sees a -7.35% change in stock price 10 days leading up to the earnings, and a +10.74% change 10 days following the report. On the earnings day itself, the stock moves by -0.83%. This data can give you a slight idea of what to expect for the next quarter's release.
OSCR Key Earning Data
2024/Q4
Year Over Year
Quarter Over Quarter
Total Revenue
2.39B
67.11%
-1.28%
Gross Margin
--
--
--
Operating Margin
-6.17%
-39.27%
208.50%
Net Margin
-6.41%
-38.78%
186.16%
EPS
-0.97
-46.97%
340.91%
No Data Available
OSCR Earnings Analysis
Oscar Health Inc Corporation (OSCR.N) Earnings Conference Call
Positive
Record Revenue Surge: Oscar Health reported total revenue of $9.2 billion for 2024, a 57% year-over-year increase, driven by record high membership and strong retention.
Adjusted EBITDA Milestone: Adjusted EBITDA profitability reached $199 million, representing a $245 million improvement compared to the previous year, marking the first time Oscar achieved this milestone.
Net Income Surge: Net income for 2024 was $25 million, a significant increase of $296 million year-over-year, reflecting strong performance across all business segments.
SG&A Expense Ratio Improvement: The SG&A expense ratio improved by over 500 basis points year-over-year to 19.1%, demonstrating effective cost management and operational efficiency.
Membership Growth Surge: Oscar's membership grew to 1.8 million as of February 1, 2025, with a 37% growth rate in the individual market, significantly outpacing the overall market growth of 13%.
Negative
Medical Loss Ratio Increase: The fourth quarter medical loss ratio increased by 170 basis points year over year, indicating a deterioration in cost management despite overall revenue growth.
Q4 EBITDA Loss Analysis: The fourth quarter adjusted EBITDA loss was approximately $113,000,000, remaining essentially flat year over year, suggesting ongoing challenges in achieving profitability in that period.
Medical Loss Ratio Increase: The full year medical loss ratio was 81.7%, reflecting a slight 10 basis point year over year increase, which may indicate rising healthcare costs or inefficiencies in operations.
SEP Member Additions Decline: The company anticipates lower year over year special enrollment period (SEP) member additions as Medicaid redeterminations are largely complete, potentially impacting future revenue growth.
Risk Transfer Consistency: The risk transfer as a percentage of premiums for 2024 was approximately 14.5%, consistent year over year, which may indicate challenges in managing risk exposure effectively.
OSCR FAQs
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OSCR Earning Call Sentiment
Earnings call transcript: Oscar Health Q4 2024 misses revenue expectations
OSCR.N
0.38%Positive
Oscar Health's earnings call highlights strong financial performance with a 57% revenue increase and positive net income. The company's raised revenue guidance and improved SG&A ratio are positive indicators. Despite regulatory and competitive pressures, Oscar's AI initiatives and market expansion efforts are promising. The Q&A section reveals a positive sentiment towards operational efficiency improvements. However, the absence of a shareholder return plan and some regulatory risks slightly temper the outlook. Given the company's market cap, the stock is likely to see a positive movement of 2% to 8% over the next two weeks.
