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OSCR · Oscar Health, Inc.

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$31.05 -0.89 (-2.79%) At close · Nov 13
Market Cap
$9.65B
Shares
310.69M
Volume · Nov 13 4.85M Avg daily vol (3M) 5.27M

Price & Indicators

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20d MA 50d MA 200d MA Earnings Filing Insider Congress Investor day
Close$31.05 Open$32.03 Day$29.82–32.40 52W close$10.85–35.19 Avg vol 30d5.3M Short int16.7M · 5.4% of shares · 3.9d Short vol50% Last earningsNov 5, 2026 DataMar 2021–Nov 2026 Filing10-Q · Nov 5

Up next

Feb 9, 2027 Est · unconfirmed · in 12 wks

Latest documents

2026
Nov 5
Earnings call
Raises 2026 earnings-from-operations guidance to $850 million to $950 million

Oscar Health raised full-year 2026 earnings from operations guidance for a third time to $850 million to $950 million. Third-quarter revenue reached $5.1 billion, adjusted EBITDA was $207 million, and membership was approximately 2.7 million.

6 source passages
Oscar Health's third-quarter performance puts us on track Through the first nine months of 2026, we delivered net income of approximately $1.2 billion, or $3.59 per diluted share. Based on our performance year-to-date, we are raising 2,026 earnings from operations guidance for a third time to a range of $850 million to $950 million. Total revenue increased approximately 70% year-over-year to $5.1 billion, driven by rate increases and higher membership. Adjusted EBITDA was $207 million in the quarter, an increase of $308 million year-over-year. We ended the quarter with approximately 2.7 million members, an increase of 27% year-over-year. Open the document at this passage
Nov 5
Quarterly report 10-Q FY2026 Q3, ended Sep 30
Nine-month net income swings to profit

Oscar Health, Inc. reported total revenue of 14,666,712 and net income of 1,208,085 for nine months ended September 30, 2026, versus a 2025 net loss of 90,540, in thousands.

Revenue $5.14B ▲ 72.1% Net income $167.28M Diluted EPS $0.49
Read from the MD&A section
3 source passages
(in thousands, except percentages) | | Three Months Ended September 30, | | Nine Months Ended September 30, | | 2026 | | | 2025 Total revenue | 5,139,298 | | 2,985,984 | | 14,666,712 | | 8,896,192 | Net income (loss) attributable to Oscar Health, Inc. | 167,281 | | (137,450) | | 1,208,085 | | (90,540) | Open the document at this passage
Nov 5
Current report 8-K
Third-quarter profit turns positive as full-year outlook rises

Oscar Health reported third-quarter total revenue of approximately $5.1 billion and net income attributable of $167.3 million, raising full-year earnings from operations guidance to between $850 million and $950 million.

Financial results
4 source passages
Oscar Health, Inc. (“Oscar Health” or the “Company”) (NYSE: OSCR) announced today its financial results for the third quarter ended September 30, 2026, and updates to its full year 2026 outlook. Total revenue was approximately $5.1 billion for the third quarter of 2026 compared to $3.0 billion for the third quarter of 2025. Net income attributable to Oscar Health, Inc. was $167.3 million, or $0.49 of diluted earnings per share, for the third quarter of 2026 compared to net loss attributable to Oscar Health, Inc. of $137.5 million, or $(0.53) of diluted loss per share, for the third quarter of 2025. Earnings from operations (4) | $600 million | $800 million | $850 million | $950 million Open the document at this passage
Aug 7
Quarterly report 10-Q FY2026 Q2, ended Jun 30
Quarterly report for FY2026 Q2 AI summary on its way
Revenue $4.88B ▲ 70.4% Net income $361.81M Diluted EPS $1.10
All documents

Metrics snapshot

Useful current figures from the complete screener profile.

Revenue (TTM)
$17.47B
Trailing 12 months
Net income (TTM)
$855.47M
Trailing 12 months
Revenue growth YoY
+72.1%
Year over year
Operating margin
5.4%
Trailing 12 months
P / E (TTM)
12.6
Trailing earnings · reciprocal yield 8.0%
FCF yield
42.9%
TTM · current market cap
Return on invested capital
—
Trailing 12 months
Net cash
$4.03B
Latest balance sheet
Dividend yield
—
Trailing 12 months
Shares change YoY
+33.6%
Year over year · more shares
Price change (1Y)
+122.6%
Trailing year
Short interest
5.4%
Latest settlement · 3.9 days to cover
View all 125 metrics

Equibles Rating

blended score · not investment advice
Overall
Neutral
SellHoldBuy
Technical Neutral Momentum Strong Sentiment Bullish Fundamentals Strong Quant / Vol Very High
Market backdrop VIX 19.3 · elevated Equity put/call 0.63
Technical
price trend
Neutral
50 / 200-day cross No cross
Price vs 200-day avg +27%
above
Price vs 50-day avg −3%
below
RSI (14) 46
neutral
MACD trend Negative
52-week position 83%
mid-range
Momentum
relative strength
Strong
1-month return −3%
trailing
6-month return +42%
trailing
YTD return +116%
this year
Relative strength +41%
vs S&P · 6-mo
Sentiment
smart money
Bullish
Trend (MA cross) No cross
50d $32 › 200d $24 — 50d above 200d
Institutional flow Accumulating
364 of 414 funds reported for Sep 30 · net +1.3M sh shares · +63 new
Insider flow Distributing
Net -$23.4M over 90 days · 100% sells
Short interest Falling
5.39% of shares out · ▼ -8.5% MoM · 3.9 days cover
Volume signal Normal
Volume near normal
Institution breadth Multi-yr high
414 holders — near 3-yr high, broad support
Squeeze score 58
elevated · 0–100
Fundamentals
Strong
Revenue growth +28%
Y/Y
EPS growth −1790%
Y/Y
Valuation P/E 12.6
below peers
Quant / Vol
risk profile
Very High
Volatility 65%
annualized · 1-yr
Max drawdown −40%
past year
ATR 6.6%
of price · 14-day

Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.

Guidance & track record

Beat or met 1 of last 2
Latest guidance · from the Earnings Call filed Aug 6, 2026
Earnings from operations · full year 2026 Raised $500M – $700M
May 6, 2026 $250M – $450M changed to Aug 6, 2026 $500M – $700M
Total revenues · full year 2026 Maintained $18.7B – $19B
May 6, 2026 $18.7B – $19B changed to Aug 6, 2026 $18.7B – $19B
prior FY $11.7B midpoint +61.1% Y/Y
MLR · full year 2026 Lowered 81.5% – 82.5%
May 6, 2026 82.4% – 83.4% changed to Aug 6, 2026 81.5% – 82.5%
SG&A expense ratio · full year 2026 Lowered 15.6% – 16.1%
May 6, 2026 15.8% – 16.3% changed to Aug 6, 2026 15.6% – 16.1%
Previous outlook earlier release · from the Earnings Call filed Aug 6, 2025

Still-open targets the latest release did not restate under the same label.

Administrative costs · 2026 $60M
Guided vs delivered · last 2 settled
Total Revenue Full Year 2025
guided $12B – $12.2B
$11.7B Miss −3.3%
Total Revenue Full Year 2024 Outlook
guided $8.3B – $8.4B
$9.18B Beat +9.9%

Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.

Technicals

trend & momentum for long-term holders Neutral
1 · 4 · 1
50 / 200-day cross
No cross Neutral
Price vs 200-day avg
+27% Bullish
Price vs 50-day avg
−3% Neutral
RSI (14)
46 Neutral
MACD trend
Negative Bearish
52-week position
83% Neutral
Market signals — smart money & positioning
Bullish · 3 of 6
Trend (MA cross) No cross
50d $32 › 200d $24 — 50d above 200d
Institutional flow Accumulating
364 of 414 funds reported for Sep 30 · net +1.3M sh shares · +63 new
Insider flow Distributing
Net -$23.4M over 90 days · 100% sells
Short interest Falling
5.39% of shares out · ▼ -8.5% MoM · 3.9 days cover
Volume signal Normal
Volume near normal
Institution breadth Multi-yr high
414 holders — near 3-yr high, broad support
Price context
position in its 52-week range
Range low $11 Now $31 · 83% Range high $35
vs 200-day avg +27% vs 50-day avg -3%

Illustrative technical + ownership context — a signal mix, not investment advice.

Key metrics

the company's own KPIs, from written earnings releases and filings
Metric Latest Period YoY
SG&A expense ratio 14.2% Three Months Ended June 30, 2026 filing —
Adjusted EBITDA non-GAAP 1.14B Six Months Ended June 30 —
Individual and Small Group 2,963,002 As of June 30, 2026 —
Medical Loss Ratio 75% Six Months Ended June 30 —
Total Members 2,963,002 As of June 30, 2026 —

Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period

Versus peers

Healthcare Plans — same industry group
Open screener →
Company Mkt cap YTD Rev growth Y/Y P/E Short % shares
OSCR
Oscar Health, Inc.
this stock
$9.65B +116.1% +27.5% 12.6 5.4%
UNH
Unitedhealth Group Inc
$365.09B +23.4% +11.8% 23.3 1.6%
CVS
CVS HEALTH Corp
$114.32B +12.6% +7.8% 10.4 1.4%
ELV
Elevance Health, Inc.
$92.84B +22.6% +12.5% 18.3 2.1%
CI
Cigna Group
$78.26B +7.9% +11.2% 13.1 2.4%

Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding

At a glance

key data from every section
Ownership
Institutional Holders Accumulating
Holders
439
% held
72.1%
Reported
364 of 414
Top holder
BlackRock, Inc.
Held Float
View
Held by Funds
Fund positions
323
View
Short & Settlement
Short Interest Falling
Shares short
16.7M
Days to cover
3.9d
Change
-1.6M sh
View
Short Volume
Short vol %
50%
As of
Nov 13, 2026
Short Total
View
Fails to Deliver
FTD shares
49
Value
$1.7K
As of
Oct 13, 2026
View
Off-Exchange
Off-exchange %
43.6%
Week of
Oct 5, 2026
Off-exch Lit
View
Smart Money
Insider Trades Net selling
Net (90d)
-$23.4M
Buyers / Sellers
0 / 2
Buyers Sellers
View
Financials
Financials
Revenue (FY)
$11.7B
Net income (FY)
$-443.2M
EPS diluted
$-1.69
View
Filings
SEC Filings
Latest
8-K
Filed
Nov 5, 2026
This year
19

Oscar Health reported third-quarter total revenue of approximately $5.1 billion and net income attributable of $167.3 million, raising full-year earnings from operations guidance to between $850 million and $950 million.

View
Proposed Sales
Value
$806.0K
Shares
25.0K
Filed
Sep 18, 2026
View
Earnings & Events
Webcasts
Last webcast
Nov 5, 2026
View
Investor Relations
Latest news
Oscar Health Announces Record Fin…
Published
Aug 6, 2026
View

Performance

5D 20D 120D MTD YTD
OSCR +1.3% -2.6% +41.9% +2.2% +116.1%
SPY +2.6% -1.2% +0.5% -0.2% +10.6%
vs SPY -1.3% -1.5% +41.4% +2.4% +105.5%
Key facts CIK 1568651 CUSIP 687793109 13F (30d) 335 filings 308 filers Visit website Investor relations