OSCAR HEALTH INC CLASS A (OSCR)
Financials · Health insurance technology and ACA marketplace · NYSE
Oscar is a tech-driven health insurer combining cloud-native member engagement, AI-powered clinical optimization, and marketplace dominance in the ACA individual market.
What OSCAR HEALTH INC CLASS A does
Oscar Health is a technology-enabled health insurance company offering ACA-compliant health plans through federal and state marketplaces to individuals, families, and employees. The company combines its cloud-native insurance platform with Campaign Builder, an AI-powered engagement and recommendation platform for providers and payors, along with brokerage services and enrollment technology (including through recent acquisitions of Lucie, IHC Specialty Benefits, and Healthinsurance.org). As of December 31, 2025, Oscar serves approximately 2.0 million effectuated members and powers nearly 0.6 million additional client lives through its +Oscar platform.
Themes: ["ACA individual health insurance","Health insurance technology / member engagement","AI-powered clinical engagement and member targeting","ICHRA / employer health benefits","Health insurance brokerage and enrollment platforms","Preventive care and condition-specific products"]
Fundamentals
- Price$31.20 as of 2026-07-09 close
- Market cap$9.4B as of 2026-07-10
- 1-year return+94.0% as of 2026-07-09 close
- Net margin-0.3% as of 2026-07-10
- ROE-3.3% as of 2026-07-10
- Debt / equity0.26 as of 2026-07-10
- Revenue growth (YoY)+32.6% as of 2026-07-10
- Revenue CAGR (3y)+43.5% SEC XBRL
- Beta2.40 as of 2026-07-10
Key risks (from latest filing)
["Risk adjustment program volatility and estimation accuracy — unanticipated changes to federal risk adjustment programs could materially impact financial results, as the filing explicitly identifies this as a known risk","Regulatory and legislative uncertainty — changes to ACA rules, enhanced APTC expiration, new program integrity rules, and evolving healthcare regulations could reduce membership or raise costs","Medical cost management and member morbidity — inability to accurately estimate incurred medical expenses and control medical costs could pressure margins and profitability"]
Competitors & peers
- Anthem (ANTM)
- Cigna (CI)
- Aetna / CVS Health (CVS)
- UnitedHealth Group (UNH)
- Molina Healthcare (MOH)
- Health Care Service Corporation (HCSC)
- Bright Health Group
- Centene (CNC)
Fundamentals: Finnhub, as of 2026-07-10. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-07-09.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & Finnhub, shown with their as-of date.