CoverageForm 410-K10-Q8-K13D13G13F

OSCR · Oscar Health, Inc. - Financials

Annual line items from SEC XBRL filings, sourced from EDGAR's Company Facts API with fallback to the quarterly Financial Statement Data Sets. See issuer overview for Form 4 activity and 10-K signals.

Price · OSCR

Income Statement

Line itemFY 2025FY 2024FY 2023FY 2022FY 2021
Revenue$11.70B$9.18B$5.86B$3.96B$462.80M
Cost of Revenue-----
Gross Profit-----
R&D-----
SG&A$2.05B$1.76B$339.72M$309.78M$166.66M
Total Operating Expenses-----
D&A$28.89M$32.15M$30.69M$15.28M$11.29M
Operating Income($396.36M)$57.27M($235.62M)($589.87M)($402.27M)
Interest Expense$17.60M$23.73M$24.60M$22.62M$3.51M
Income Tax$5.61M$7.30M$3.29M($523.0K)$1.04M
Net Income($443.15M)$25.43M($270.73M)($606.27M)($406.82M)
EPS - Basic($1.69)$0.11($1.22)($2.85)($14.16)
EPS - Diluted($1.69)$0.10($1.22)($2.85)($14.16)

Balance Sheet

Line itemFY 2025FY 2024FY 2023FY 2022FY 2021
Cash & Equivalents$2.77B$1.53B$1.87B$1.56B$336.64M
Accounts Receivable-----
Inventory-----
Accounts Payable-----
Current Assets$4.61B$2.85B$3.06B$4.12B$2.31B
Total Assets$6.33B$4.84B$3.60B$4.53B$3.32B
Current Liabilities$4.86B$3.46B$2.43B$3.26B$1.85B
Long-term Debt$430.10M$299.56M$298.78M$298.00M$0
Total Liabilities$5.34B$3.82B$2.80B$3.63B$1.93B
Stockholders' Equity$977.65M$1.01B$803.97M$890.38M$1.39B
Retained Earnings($3.29B)($2.85B)($2.88B)($2.61B)($2.00B)

Cash Flow

Line itemFY 2025FY 2024FY 2023FY 2022FY 2021
Operating Cash Flow$1.09B$978.19M($272.16M)$380.35M$222.73M
Investing Cash Flow($241.06M)($1.39B)$577.19M($226.52M)($344.71M)
Financing Cash Flow$399.21M$68.39M$6.45M$301.11M$611.71M
CapEx$36.37M$27.90M$25.58M$29.01M$14.02M
Free Cash Flow$1.06B$950.30M($297.74M)$351.34M$208.71M

Ratios

MetricFY 2025FY 2024FY 2023FY 2022FY 2021
Profitability
Gross margin-----
Operating margin-3.4%0.6%-4.0%-14.9%-86.9%
EBITDA margin-3.1%1.0%-3.5%-14.5%-84.5%
Net margin-3.8%0.3%-4.6%-15.3%-87.9%
Free cash flow margin9.0%10.4%-5.1%8.9%45.1%
FCF / Net income-2.3937.371.10-0.58-0.51
R&D / Revenue-----
SG&A / Revenue17.5%19.1%5.8%7.8%36.0%
Effective tax rate-22.3%---
Return on assets-7.0%0.5%-7.5%-13.4%-12.2%
Return on equity-45.3%2.5%-33.7%-68.1%-29.3%
Return on invested capital-22.2%3.4%-16.9%-39.2%-22.9%
Liquidity
Current ratio0.950.821.261.261.24
Quick ratio0.950.821.261.261.24
Cash ratio0.570.440.770.480.18
Leverage
Debt / Equity0.440.300.370.330.00
Debt / Assets0.070.060.080.070.00
Debt / EBITDA-3.35---
Interest coverage-22.5x2.4x-9.6x-26.1x-114.5x
Equity multiplier6.474.784.485.082.39
Liabilities / Assets0.840.790.780.800.58
Efficiency
Asset turnover1.851.901.630.880.14
Inventory turnover-----
Days sales outstanding-----
Days inventory outstanding-----
Days payable outstanding-----
Cash conversion cycle-----
Valuation
P / E-134.4x---
P / B3.9x3.5x2.5x0.6x0.2x
P / S0.3x0.4x0.3x0.1x0.5x
EV / EBITDA-26.2x---
Growth
Revenue growth (YoY)27.5%56.5%47.9%756.4%-
Revenue CAGR (3y)43.5%170.7%---
Revenue CAGR (5y)-----
Gross profit growth (YoY)-----
Operating income growth (YoY)--60.1%-46.6%-
Net income growth (YoY)--55.3%-49.0%-
EPS growth (YoY)--57.2%79.9%-
EPS CAGR (3y)-----
EPS CAGR (5y)-----
FCF growth (YoY)11.4%--68.3%-
FCF CAGR (5y)-----
Book value growth (YoY)-3.5%26.1%-9.7%-35.8%-

Stability scores

Altman Z′

FY 2025 · bankruptcy risk

1.26
Grey zone

Private-firm variant - uses book equity instead of market cap. > 2.90 safe · 1.23-2.90 grey · < 1.23 distress.

Piotroski F-score

FY 2025 · 9-point quality

4/9
Neutral
  • Net income positive
  • Operating cash flow positive
  • ROA improved YoY
  • Cash flow > net income
  • Long-term debt decreased
  • Current ratio improved
  • No share dilution
  • -Gross margin improved
  • Asset turnover improved

Peer comparison

Same SIC group: Hospital & Medical Service Plans

CompanyRevenue (last FY)Net marginROE
UNH$447.57B2.7%12.0%
TRUP$1.44B1.4%5.1%
CNC$194.78B-3.4%-33.4%
ALHC$3.95B-0.0%-0.4%
CI$274.90B1.2%8.2%

Comparing Oscar Health against the 5 most active filers in the same SIC group.