Oscar Health Inc Financials

OSCR

Key Financial Metrics

Revenue

$11.7M

YoY-99.9%

5Y CAGR-52.1%

Oscar Health Inc generated $11.7M in revenue in fiscal year 2025. This represents a decrease of 99.9% from the prior year.

EBITDA

$425K

YoY-99.5%

Oscar Health Inc's EBITDA was $425K in fiscal year 2025, measuring earnings before interest, taxes, depreciation, and amortization. This represents a decrease of 99.5% from the prior year.

Free Cash Flow

$1.1M

YoY-99.9%

5Y CAGR-65.2%

Oscar Health Inc generated $1.1M in free cash flow in fiscal year 2025, representing cash available after capital expenditures. This represents a decrease of 99.9% from the prior year.

Net Income

$443K

YoY-98.3%

Oscar Health Inc reported $443K in net income in fiscal year 2025. This represents a decrease of 98.3% from the prior year.

EPS (Diluted)

$1.69

YoY+1590.0%

Oscar Health Inc earned $1.69 per diluted share in fiscal year 2025. This represents an increase of 1590.0% from the prior year.

Cash & Debt

$2.8M

YoY-99.8%

5Y CAGR-68.0%

Oscar Health Inc held $2.8M in cash against $430K in long-term debt as of fiscal year 2025.

Dividends Per Share

N/A

Shares Outstanding

262,157

Oscar Health Inc had 262,157 shares outstanding in fiscal year 2025.

Gross Margin

N/A

Operating Margin

3.4%

YoY+2.8pp

5Y CAGR+90.3pp

Oscar Health Inc's operating margin was 3.4% in fiscal year 2025, reflecting core business profitability. This is up 2.8 percentage points from the prior year.

Net Margin

3.8%

YoY+3.5pp

5Y CAGR+91.7pp

Oscar Health Inc's net profit margin was 3.8% in fiscal year 2025, showing the share of revenue converted to profit. This is up 3.5 percentage points from the prior year.

Return on Equity

45.3%

YoY+42.8pp

Oscar Health Inc's return on equity was 45.3% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 42.8 percentage points from the prior year.

R&D Spending

N/A

Share Buybacks

N/A

Capital Expenditures

$36K

YoY-99.9%

5Y CAGR-69.6%

Oscar Health Inc invested $36K in capital expenditures in fiscal year 2025, funding long-term assets and infrastructure. This represents a decrease of 99.9% from the prior year.

OSCR Income Statement

Metric	FY25	FY24	FY24	FY24	FY23	FY22
Revenue	$11.7M-99.9%	$9.2B+56.5%	$5.9B+47.9%	$4.0B+115.6%	$1.8B+297.3%	$462.8M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$2.0M-99.9%	$1.8B+23.1%	$1.4B+13.4%	$1.3B+374.4%	$265.1M+59.1%	$166.7M
Operating Income	$396K-99.3%	$57.3M+124.3%	-$235.6M+60.1%	-$589.9M-8.3%	-$544.5M-35.4%	-$402.3M
Interest Expense	$13K-99.9%	$23.7M-3.5%	$24.6M+8.8%	$22.6M+379.3%	$4.7M+34.3%	$3.5M
Income Tax	$6K-99.9%	$7.3M+121.8%	$3.3M+729.8%	-$523K-161.8%	$846K-19.0%	$1.0M
Net Income	$443K-98.3%	$25.4M+109.4%	-$270.7M+55.3%	-$606.3M-5.9%	-$572.6M-40.7%	-$406.8M
EPS (Diluted)	$1.69+1590.0%	$0.10+108.2%	$-1.22+57.2%	$-2.85+10.9%	$-3.20+77.4%	$-14.16

Metric	Q3'25	Q2'25	Q1'25	Q3'25	Q3'25	Q2'25	Q1'25	Q4'24
Revenue	$3.0B+4.3%	$2.9B-6.0%	$3.0B	N/A	$2.4B+9.2%	$2.2B+3.6%	$2.1B	N/A
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$521.6M-2.4%	$534.5M+10.7%	$482.8M	N/A	$460.4M+5.8%	$435.2M+10.4%	$394.2M	N/A
Operating Income	-$129.3M+43.9%	-$230.5M-177.6%	$297.1M	N/A	-$48.4M-171.3%	$67.8M-63.5%	$185.6M	N/A
Interest Expense	$6.9M+17.3%	$5.8M-2.5%	$6.0M	N/A	$5.8M-2.9%	$6.0M+1.5%	$5.9M	N/A
Income Tax	-$1.8M+64.2%	-$5.0M-139.7%	$12.7M	N/A	$2.1M-55.2%	$4.6M+365.6%	$996K	N/A
Net Income	-$137.4M+39.8%	-$228.4M-183.0%	$275.3M	N/A	-$54.6M-197.1%	$56.2M-68.3%	$177.4M	N/A
EPS (Diluted)	$-0.53+40.4%	$-0.89-196.7%	$0.92	N/A	$-0.22-210.0%	$0.20-67.7%	$0.62	N/A

OSCR Balance Sheet

Metric	FY25	FY24	FY24	FY24	FY23	FY22
Total Assets	$6.3M-99.9%	$4.8B+34.4%	$3.6B-20.4%	$4.5B+36.3%	$3.3B+46.2%	$2.3B
Current Assets	$4.6M-99.8%	$2.8B-7.1%	$3.1B-25.7%	$4.1B+78.7%	$2.3B+23.3%	$1.9B
Cash & Equivalents	$2.8M-99.8%	$1.5B-18.3%	$1.9B+20.0%	$1.6B+41.2%	$1.1B+33.6%	$826.3M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	N/A	N/A	N/A	N/A	N/A	N/A
Total Liabilities	$5.3M-99.9%	$3.8B+36.8%	$2.8B-23.1%	$3.6B+88.4%	$1.9B-45.9%	$3.6B
Current Liabilities	$4.9M-99.9%	$3.5B+42.6%	$2.4B-25.6%	$3.3B+76.2%	$1.9B+11.2%	$1.7B
Long-Term Debt	$430K-99.9%	$299.6M+0.3%	$298.8M+0.3%	$298.0M	$0-100.0%	$142.5M
Total Equity	$978K-99.9%	$1.0B+26.1%	$804.0M-9.9%	$892.4M-35.9%	$1.4B+207.5%	-$1.3B
Retained Earnings	$3.3M+100.1%	-$2.9B+0.9%	-$2.9B-10.4%	-$2.6B-30.3%	-$2.0B-40.1%	-$1.4B

Metric	Q3'25	Q2'25	Q1'25	Q3'25	Q3'25	Q2'25	Q1'25	Q4'24
Total Assets	$5.7B-10.0%	$6.4B+9.2%	$5.8B+20.7%	$4.8B+8.0%	$4.5B-10.4%	$5.0B+13.3%	$4.4B+22.7%	$3.6B
Current Assets	$3.8B-12.8%	$4.3B+14.3%	$3.8B+32.7%	$2.8B+20.1%	$2.4B-29.5%	$3.4B-4.1%	$3.5B+14.5%	$3.1B
Cash & Equivalents	$2.1B-17.3%	$2.6B+16.2%	$2.2B+46.4%	$1.5B+26.6%	$1.2B-46.8%	$2.3B+1.7%	$2.2B+19.3%	$1.9B
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Liabilities	$4.7B-9.6%	$5.2B+15.9%	$4.5B+17.9%	$3.8B+15.3%	$3.3B-14.2%	$3.9B+14.2%	$3.4B+21.1%	$2.8B
Current Liabilities	$4.0B-18.3%	$4.9B+17.3%	$4.1B+19.8%	$3.5B+17.2%	$3.0B-15.6%	$3.5B+16.0%	$3.0B+24.3%	$2.4B
Long-Term Debt	$686.3M+128.8%	$299.9M+0.1%	$299.7M+0.1%	$299.6M+0.1%	$299.4M+0.1%	$299.2M+0.1%	$299.0M+0.1%	$298.8M
Total Equity	$1.0B-11.6%	$1.2B-13.1%	$1.3B+31.5%	$1.0B-13.0%	$1.2B+2.2%	$1.1B+10.3%	$1.0B+28.6%	$804.0M
Retained Earnings	-$2.9B-4.9%	-$2.8B-8.9%	-$2.6B+9.7%	-$2.9B-5.7%	-$2.7B-2.1%	-$2.6B+2.1%	-$2.7B+6.2%	-$2.9B

OSCR Cash Flow Statement

Metric	FY25	FY24	FY24	FY24	FY23	FY22
Operating Cash Flow	$1.1M-99.9%	$978.2M+459.4%	-$272.2M-171.6%	$380.3M+309.3%	-$181.7M-181.6%	$222.7M
Capital Expenditures	$36K-99.9%	$27.9M+9.1%	$25.6M-11.8%	$29.0M+12.1%	$25.9M+84.6%	$14.0M
Free Cash Flow	$1.1M-99.9%	$950.3M+419.2%	-$297.7M-184.7%	$351.3M+269.2%	-$207.6M-199.5%	$208.7M
Investing Cash Flow	$241K+100.0%	-$1.4B-340.4%	$577.2M+354.8%	-$226.5M+70.8%	-$774.5M-124.7%	-$344.7M
Financing Cash Flow	$399K-99.4%	$68.4M+960.9%	$6.4M-97.9%	$301.1M-75.7%	$1.2B+102.5%	$611.7M
Dividends Paid	N/A	N/A	N/A	N/A	N/A	N/A
Share Buybacks	N/A	N/A	N/A	N/A	$0	$0

Metric	Q3'25	Q2'25	Q1'25	Q3'25	Q3'25	Q2'25	Q1'25	Q4'24
Operating Cash Flow	N/A	N/A	$878.5M	N/A	N/A	N/A	$634.4M	N/A
Capital Expenditures	N/A	N/A	$9.0M	N/A	N/A	N/A	$6.0M	N/A
Free Cash Flow	N/A	N/A	$869.5M	N/A	N/A	N/A	$628.4M	N/A
Investing Cash Flow	N/A	N/A	-$174.2M	N/A	N/A	N/A	-$300.6M	N/A
Financing Cash Flow	N/A	N/A	$4.9M	N/A	N/A	N/A	$27.3M	N/A
Dividends Paid	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Share Buybacks	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

OSCR Financial Ratios

Metric	FY25	FY24	FY24	FY24	FY23	FY22
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	3.4%+2.8pp	0.6%+4.6pp	-4.0%+10.9pp	-14.9%+14.7pp	-29.6%+57.3pp	-86.9%
Net Margin	3.8%+3.5pp	0.3%+4.9pp	-4.6%+10.7pp	-15.3%+15.8pp	-31.1%+56.8pp	-87.9%
Return on Equity	45.3%+42.8pp	2.5%	N/A	N/A	N/A	N/A
Return on Assets	7.0%+6.5pp	0.5%+8.1pp	-7.5%+5.9pp	-13.4%+3.9pp	-17.2%+0.7pp	-17.9%
Current Ratio	0.95+0.1	0.82-0.4	1.260.0	1.26+0.0	1.24+0.1	1.12
Debt-to-Equity	0.44+0.1	0.30-0.1	0.37+0.0	0.33+0.3	0.00+0.1	-0.11
FCF Margin	9.0%-1.3pp	10.3%+15.4pp	-5.1%-13.9pp	8.9%+20.2pp	-11.3%-56.4pp	45.1%

Metric	Q3'25	Q2'25	Q1'25	Q3'25	Q3'25	Q2'25	Q1'25	Q4'24
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	-4.3%+3.7pp	-8.1%-17.8pp	9.8%	N/A	-2.0%-5.1pp	3.1%-5.6pp	8.7%	N/A
Net Margin	-4.6%+3.4pp	-8.0%-17.0pp	9.0%	N/A	-2.3%-4.8pp	2.5%-5.8pp	8.3%	N/A
Return on Equity	N/A	N/A	20.6%	N/A	N/A	4.9%-12.2pp	17.2%	N/A
Return on Assets	-2.4%+1.2pp	-3.6%-8.3pp	4.7%	N/A	-1.2%-2.3pp	1.1%-2.9pp	4.0%	N/A
Current Ratio	0.95+0.1	0.89-0.0	0.91+0.1	0.82+0.0	0.80-0.2	0.96-0.2	1.16-0.1	1.26
Debt-to-Equity	0.67+0.4	0.26+0.0	0.22-0.1	0.30+0.0	0.260.0	0.26-0.0	0.29-0.1	0.37
FCF Margin	N/A	N/A	28.5%	N/A	N/A	N/A	29.3%	N/A

Frequently Asked Questions

What is Oscar Health Inc's annual revenue?

Oscar Health Inc (OSCR) reported $11.7M in revenue for fiscal year 2025.

How fast is Oscar Health Inc's revenue growing?

Oscar Health Inc (OSCR) revenue declined by 99.9% year-over-year, from $9.2B to $11.7M in fiscal year 2025.

Is Oscar Health Inc profitable?

Yes, Oscar Health Inc (OSCR) reported a net income of $443K in fiscal year 2025, with a net profit margin of 3.8%.

What is Oscar Health Inc's earnings per share (EPS)?

Oscar Health Inc (OSCR) reported diluted earnings per share of $1.69 for fiscal year 2025.

What is Oscar Health Inc's EBITDA?

Oscar Health Inc (OSCR) had EBITDA of $425K in fiscal year 2025, measuring earnings before interest, taxes, depreciation, and amortization.

How much debt does Oscar Health Inc have?

As of fiscal year 2025, Oscar Health Inc (OSCR) had $2.8M in cash and equivalents against $430K in long-term debt.

What is Oscar Health Inc's operating margin?

Oscar Health Inc (OSCR) had an operating margin of 3.4% in fiscal year 2025, reflecting the profitability of core business operations before interest and taxes.

What is Oscar Health Inc's net profit margin?

Oscar Health Inc (OSCR) had a net profit margin of 3.8% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

What is Oscar Health Inc's return on equity (ROE)?

Oscar Health Inc (OSCR) has a return on equity of 45.3% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is Oscar Health Inc's free cash flow?

Oscar Health Inc (OSCR) generated $1.1M in free cash flow during fiscal year 2025, representing cash available after capital expenditures.

What is Oscar Health Inc's operating cash flow?

Oscar Health Inc (OSCR) generated $1.1M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Oscar Health Inc's total assets?

Oscar Health Inc (OSCR) had $6.3M in total assets as of fiscal year 2025, including both current and long-term assets.

What are Oscar Health Inc's capital expenditures?

Oscar Health Inc (OSCR) invested $36K in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

How many shares does Oscar Health Inc have outstanding?

Oscar Health Inc (OSCR) had 262,157 shares outstanding as of fiscal year 2025.

What is Oscar Health Inc's current ratio?

Oscar Health Inc (OSCR) had a current ratio of 0.95 as of fiscal year 2025, which is below 1.0, which may suggest potential liquidity concerns.

What is Oscar Health Inc's debt-to-equity ratio?

Oscar Health Inc (OSCR) had a debt-to-equity ratio of 0.44 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Oscar Health Inc's return on assets (ROA)?

Oscar Health Inc (OSCR) had a return on assets of 7.0% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.