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OSCR · NYSE · United States · Hospital & Medical Service Plans
In shortOscar Health, Inc. is loss-making.
Financial health
Mixed
Built from five areas over the last five annual reports. Tap an area to see the figures behind it. Bank or insurer: tests that do not apply to them are left out.
| Operating marginShare of each sale left after running the business, before interest and tax. | -3.4% | 5/100 |
|---|---|---|
| Net marginShare of each sale left as profit after every cost, interest and tax. | -3.8% | 5/100 |
| Return on equityProfit earned on the money shareholders put in. Above 15% is strong. | -44.5% | 0/100 |
Weight in the score: 25%
| Free cash flow marginCash left from each sale after investments. The money that can pay dividends or reduce debt. | 9.0% | n/a |
|---|---|---|
| Free cash flow / net incomeHow much accounting profit turns into real cash. Near 1 or above is healthy. | – | n/a |
| Years with positive free cash flow (last 5) | 3 of 5 | n/a |
Weight in the score: 20%
| Profitable years (last 5) | 1 of 5 | 20/100 |
|---|---|---|
| Years of revenue decline (last 5) | 0 of 5 | 100/100 |
| Revenue growth volatility | 110.3% | 0/100 |
| Operating margin volatility | 12.3% | 0/100 |
Weight in the score: 20%
| Revenue growth, 3-year average | 43.5% | 100/100 |
|---|---|---|
| EPS growth, 3-year average | – | n/a |
Weight in the score: 10%
Fiscal year 2025 · change vs prior year
Annual figures as reported. Hover a bar or point for the exact value.
2 older years available with the 10-year history. Essential plan, from €8.25/month →
The last 5 fiscal years from the company's annual reports.
USD millions; negative values in parentheses.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Revenue | 1,839 | 3,964 | 5,863 | 9,178 | 11,701 |
| Selling, general & admin | – | 1,257 | 1,426 | 1,756 | 2,050 |
| Operating income | (544) | (590) | (236) | 57 | (396) |
| Interest expense | 4.7 | 23 | 25 | 24 | 18 |
| Pre-tax income | (571) | (610) | (267) | 33 | (437) |
| Income tax | 0.8 | (0.5) | 3.3 | 7.3 | 5.6 |
| Net income | (573) | (606) | (271) | 25 | (443) |
| Diluted EPS | −$3.20 | −$2.85 | −$1.22 | $0.10 | −$1.69 |
| Diluted shares (millions) | 179 | 212 | 222 | 266 | 262 |
2 older years available with the 10-year history. Essential plan, from €8.25/month →
Not computed: the model does not apply to banks and insurers.
4/9
Nine yes-or-no tests on profitability, debt, liquidity and efficiency versus the prior year. 7 to 9 is strong, 0 to 3 is weak.
All figures: SEC EDGAR. Ratios and scores are computed by Scorvest (see how it works). Information only, not investment advice. How it works
Latest annual report: Jun 30, 2026 · Data updated Aug 7, 2026