Symbols

OSCR

Oscar Health·NYSE

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OSCR fundamentals

OSCR Q4 2025 Earnings

Oscar Health (OSCR) released its earnings on Feb 10, 2026: revenue was 2.75B (YoY +17.26%), missed estimates; EPS was -1.24 (YoY -100.00%), missed estimates.

Revenue / YoY

2.75B

+17.26%

EPS / YoY

-1.24

-100.00%

Report date

Feb 10, 2026

OSCR Earnings Call Summary for Q4,2025

Revenue surge: 28% YoY growth to $11.7 billion, driven by 58% paid membership increase to 3 million.
Market dominance: 30% market share in key markets, up from 17%, with 3.4 million total members.
Profitability turnaround: 2026 earnings guidance of $250-450 million (vs. $396 million loss in 2025), enabled by 450 bps MLR improvement.
AI-driven efficiency: Administrative costs down 160 bps YoY, with AI resolving 86% of member inquiries.
Innovation success: New products like HelloMeno achieve 50% higher retention rates and 50% higher referral rates.
Risk management: 20% risk adjustment allocation in 2026, with Wakely report to enhance market visibility.

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Revenue & Expenses

Key Indicators

Oscar Health (OSCR) key financial stats and ratios, covering profitability, financial health, and leverage.

Income Statement

Oscar Health (OSCR)'s revenue and profit trends over recent years, visualized with a waterfall chart to showcase the revenue-to-profit funnel.

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Balance Sheet

Oscar Health (OSCR)'s asset and liability trends over recent years, visualized with a waterfall chart to illustrate changes in its asset-liability structure.

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Cash Flow

Oscar Health (OSCR)'s cash flow trends over recent years, visualized with a waterfall chart to illustrate changes in its operating, investing, and financing cash flows.

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