OSCR · Oscar Health, Inc. · Earnings Call Transcripts & Audio
$30.84
+1.07 (+3.59%)
At close · Sep 30
View the 10-K filed Feb 13, 2026
Return incl. dividend (before tax)
Customer concentration
— top customer 93% of revenue
One customer — 93% of revenue (the year ended December 31, 2025)
“For the year ended December 31, 2025, 93% of premiums were earned directly from CMS and 7% were from our members.”
Market Cap
$9.14B
Shares
308.64M
Volume · Sep 30
5.45M
Avg daily vol (3M)
5.31M
Oscar Health, Inc. Earnings Call Transcripts
Quarterly earnings calls for Oscar Health, Inc. (OSCR), with available speaker-labelled transcripts, captured audio replays, call highlights, 8-K earnings releases and periodic filings. Investor days and conferences appear here too.
Revenue & result across quarters
Revenue Net income YoY up YoY down artefacts
▲120.4%
$978.43M
−$192.91M
'22 Q3
22-11-08
▲100.6%
$995.13M
−$226.05M
'22 Q4
23-02-09
▲51.1%
$1.47B
−$39.77M
'23 Q1
23-05-09
▲49.6%
$1.52B
−$15.53M
'23 Q2
23-08-08
▲47.2%
$1.44B
−$65.40M
'23 Q3
23-11-07
▲43.9%
$1.43B
−$150.03M
'23 Q4
24-02-07
▲45.8%
$2.14B
$177.37M
'24 Q1
24-05-07
▲45.9%
$2.22B
$56.21M
'24 Q2
24-08-07
▲68.3%
$2.42B
−$54.60M
'24 Q3
24-11-07
▲67.1%
$2.39B
−$153.55M
'24 Q4
25-02-04
▲42.2%
$3.05B
$275.27M
'25 Q1
25-05-07
▲29%
$2.86B
−$228.36M
'25 Q2
25-08-06
▲23.2%
$2.99B
−$137.45M
'25 Q3
25-11-06
▲17.3%
$2.81B
−$352.61M
'25 Q4
26-02-10
▲52.6%
$4.65B
$679.00M
'26 Q1
26-05-06
LATEST
▲70.4%
$4.88B
$361.81M
'26 Q2
26-08-06
Earnings call
FY26 · Q2
2026-08-06
Oscar Health, Inc. (OSCR) Q2 2026 Earnings Call Transcript
Confident tone
Record profitability and financial performance
Product innovation and member navigation
Operating leverage and cost discipline
Revenue
$4.88B
▲ 70.4% YoY Diluted EPS
$1.10
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Conference
Investor event
2026-06-08
Oscar Health, Inc. (OSCR) June 2026 Conference Transcript
No reported result — non-financial event
Audio
Transcript
Slides
Earnings call
FY26 · Q1
2026-05-06
Oscar Health, Inc. (OSCR) Q1 2026 Earnings Call Transcript
Confident tone
Risk adjustment and metal mix
Individual market dynamics
Q1 financial performance
Revenue
$4.65B
▲ 52.6% YoY Diluted EPS
$2.07
▲ 125% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY25 · Q4
2026-02-10
Oscar Health, Inc. (OSCR) Q4 2025 Earnings Call Transcript
Confident tone
ICRA and defined contribution strategy
Membership growth and market share
MLR and market morbidity
Revenue
$2.81B*
▲ 17.3% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-K
Earnings call
FY25 · Q3
2025-11-06
Oscar Health, Inc. (OSCR) Q3 2025 Earnings Call Transcript
Positive tone
2025 Financial Results and 2026 Profitability Outlook
Higher Market Morbidity and Risk Adjustment
Membership Growth and Geographic Expansion
Revenue
$2.99B
▲ 23.2% YoY Diluted EPS
$-0.53
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY25 · Q2
2025-08-06
Oscar Health, Inc. (OSCR) Q2 2025 Earnings Call Transcript
Balanced tone
2025 financial results and guidance
ICHRA growth strategy and acquisitions
Market morbidity shift
Revenue
$2.86B
▲ 29% YoY Diluted EPS
$-0.89
▼ 545% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY25 · Q1
2025-05-07
Oscar Health, Inc. (OSCR) Q1 2025 Earnings Call Transcript
Confident tone
Medical loss ratio and risk adjustment
Top-line growth and membership
SG&A efficiency
Revenue
$3.05B
▲ 42.2% YoY Diluted EPS
$0.92
▲ 48.4% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY24 · Q4
2025-02-04
Oscar Health, Inc. (OSCR) Q4 2024 Earnings Call Transcript
Confident tone
Medical loss ratio and pricing discipline
Record financial performance and profitability milestones
Above-market growth in individual ACA market
Revenue
$2.39B*
▲ 67.1% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-K
Earnings call
FY24 · Q3
2024-11-07
Oscar Health, Inc. (OSCR) Q3 2024 Earnings Call Transcript
Confident tone
Medical Loss Ratio (MLR) and utilization
2025 open enrollment / ACA market growth
SG&A leverage and operating efficiency
Revenue
$2.42B
▲ 68.3% YoY Diluted EPS
$-0.22
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY24 · Q2
2024-08-07
Oscar Health, Inc. (OSCR) Q2 2024 Earnings Call Transcript
Confident tone
Medical loss ratio / medical costs
2025 and rate filings
ACA / enhanced subsidies
Revenue
$2.22B
▲ 45.9% YoY Diluted EPS
$0.20
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY24 · Q1
2024-05-07
Oscar Health, Inc. (OSCR) Q1 2024 Earnings Call Transcript
Confident tone
Medical Loss Ratio
Membership Growth
Profitability and Net Income Milestone
Revenue
$2.14B
▲ 45.8% YoY Diluted EPS
$0.62
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY23 · Q4
2024-02-07
Oscar Health, Inc. (OSCR) Q4 2023 Earnings Call Transcript
Confident tone
Open enrollment and membership growth
Medical loss ratio improvement
Member experience and NPS
Revenue
$1.43B*
▲ 43.9% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-K
Earnings call
FY23 · Q3
2023-11-07
Oscar Health, Inc. (OSCR) Q3 2023 Earnings Call Transcript
Revenue
$1.44B
▲ 47.2% YoY Diluted EPS
$-0.29
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY23 · Q2
2023-08-08
Oscar Health, Inc. (OSCR) Q2 2023 Earnings Call Transcript
Revenue
$1.52B
▲ 49.6% YoY Diluted EPS
$-0.07
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY23 · Q1
2023-05-09
Oscar Health, Inc. (OSCR) Q1 2023 Earnings Call Transcript
Revenue
$1.47B
▲ 51.1% YoY Diluted EPS
$-0.18
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY22 · Q4
2023-02-09
Oscar Health, Inc. (OSCR) Q4 2022 Earnings Call Transcript
Revenue
$995.13M*
▲ 100.6% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-K
Earnings call
FY22 · Q3
2022-11-08
Oscar Health, Inc. (OSCR) Q3 2022 Earnings Call Transcript
Revenue
$978.43M
▲ 120.4% YoY Diluted EPS
$-0.91
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY22 · Q2
2022-08-11
Oscar Health, Inc. (OSCR) Q2 2022 Earnings Call Transcript
Revenue
$1.02B
▲ 92.2% YoY Diluted EPS
$-0.53
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY22 · Q1
2022-05-10
Oscar Health, Inc. (OSCR) Q1 2022 Earnings Call Transcript
Revenue
$972.76M
▲ 163.3% YoY Diluted EPS
$-0.36
Rev · 7q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY21 · Q4
2022-02-10
Oscar Health, Inc. (OSCR) Q4 2021 Earnings Call Transcript
Revenue
$496.07M*
▲ 214.6% YoY
Rev · 6q
Audio
Transcript
Slides
8-K10-K
Earnings call
FY21 · Q3
2021-11-10
Oscar Health, Inc. (OSCR) Q3 2021 Earnings Call Transcript
Revenue
$443.98M
▲ 336.6% YoY Diluted EPS
$-1.02
Rev · 6q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY21 · Q2
2021-08-12
Oscar Health, Inc. (OSCR) Q2 2021 Earnings Call Transcript
Revenue
$529.28M
▲ 358.9% YoY Diluted EPS
$-0.35
Rev · 5q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY21 · Q1
2021-05-13
Oscar Health, Inc. (OSCR) Q1 2021 Earnings Call Transcript
Revenue
$369.39M
▲ 319.3% YoY Diluted EPS
$-1.00
Rev · 4q
Audio
Transcript
Slides
8-K10-Q
Showing 1–23 of 23 earnings calls
Key facts
CIK
1568651
CUSIP
687793109
13F (30d)
11 filings
9 filers
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