Latest news with #OscarHealth
Yahoo
4 days ago
- Business
- Yahoo
Why Oscar Health, Inc. (OSCR) Outpaced the Stock Market Today
In the latest trading session, Oscar Health, Inc. (OSCR) closed at $14.45, marking a +1.76% move from the previous day. This change outpaced the S&P 500's 0.4% gain on the day. Meanwhile, the Dow gained 0.47%, and the Nasdaq, a tech-heavy index, added 0.24%. The company's stock has dropped by 30.66% in the past month, falling short of the Finance sector's gain of 3.3% and the S&P 500's gain of 4.61%. The upcoming earnings release of Oscar Health, Inc. will be of great interest to investors. The company's earnings report is expected on August 6, 2025. The company is expected to report EPS of -$0.59, down 395% from the prior-year quarter. Meanwhile, the Zacks Consensus Estimate for revenue is projecting net sales of $2.89 billion, up 30.15% from the year-ago period. Looking at the full year, the Zacks Consensus Estimates suggest analysts are expecting earnings of -$0.68 per share and revenue of $11.87 billion. These totals would mark changes of -780% and +29.34%, respectively, from last year. Investors might also notice recent changes to analyst estimates for Oscar Health, Inc. Recent revisions tend to reflect the latest near-term business trends. As a result, upbeat changes in estimates indicate analysts' favorable outlook on the business health and profitability. Research indicates that these estimate revisions are directly correlated with near-term share price momentum. To utilize this, we have created the Zacks Rank, a proprietary model that integrates these estimate changes and provides a functional rating system. Ranging from #1 (Strong Buy) to #5 (Strong Sell), the Zacks Rank system has a proven, outside-audited track record of outperformance, with #1 stocks returning an average of +25% annually since 1988. Over the past month, the Zacks Consensus EPS estimate has shifted 211.41% downward. Right now, Oscar Health, Inc. possesses a Zacks Rank of #4 (Sell). The Insurance - Multi line industry is part of the Finance sector. This group has a Zacks Industry Rank of 159, putting it in the bottom 36% of all 250+ industries. The Zacks Industry Rank is ordered from best to worst in terms of the average Zacks Rank of the individual companies within each of these sectors. Our research shows that the top 50% rated industries outperform the bottom half by a factor of 2 to 1. Keep in mind to rely on to watch all these stock-impacting metrics, and more, in the succeeding trading sessions. Want the latest recommendations from Zacks Investment Research? Today, you can download 7 Best Stocks for the Next 30 Days. Click to get this free report Oscar Health, Inc. (OSCR) : Free Stock Analysis Report This article originally published on Zacks Investment Research ( Zacks Investment Research 擷取數據時發生錯誤 登入存取你的投資組合 擷取數據時發生錯誤 擷取數據時發生錯誤 擷取數據時發生錯誤 擷取數據時發生錯誤
Yahoo
5 days ago
- Business
- Yahoo
2 Digital Healthcare Stocks Poised for a Breakout
Key Points Healthcare technology companies are transforming patient access and care delivery, creating massive addressable markets worth hundreds of billions of dollars. Digital-first platforms can scale rapidly without the infrastructure costs of traditional healthcare providers, enabling superior unit economics and profit margins. Regulatory challenges and competitive pressures create temporary volatility that often presents compelling entry points for long-term investors. 10 stocks we like better than Oscar Health › Wall Street loves to punish healthcare stocks for short-term stumbles while missing their revolutionary potential. The sector's reputation for regulatory complexity and unpredictable reimbursement changes has created a risk-averse investment environment that consistently undervalues companies building the future of American healthcare. This myopic view ignores a fundamental shift happening beneath the surface. Healthcare technology companies are dismantling decades-old barriers between patients and care, creating direct-pay models that bypass insurance bureaucracy entirely. While traditional healthcare stocks trade on Medicare Advantage enrollment growth and medical loss ratios (MLRs), these digital disruptors are building subscription-based businesses with software-like economics and massive total addressable markets. Two companies exemplify this transformation -- one sustaining strong profitability while navigating industry headwinds, the other riding explosive growth despite recent partnership drama. Both face meaningful risks that create entry opportunities for investors who understand the long-term digitization trends reshaping American healthcare. Oscar's profitable start meets cost pressures Oscar Health (NYSE: OSCR) built on its profitable start to 2025 with a strong first quarter, though emerging challenges in Q2 have tempered the momentum. The company reported $3 billion in revenue -- a 42% year-over-year increase -- and $275 million in net income, up from $177 million the previous year. This 55% profit growth underscores Oscar's scalable technology model, but investors should also consider recent indications of cost pressure and volatility. The company's MLR rose to 75.4% in the first quarter, still within industry norms but now expected to increase further, with full-year MLR guidance revised upward to 86% to 87% due to Q2 trends. This dramatic guidance revision signals significant cost headwinds that could pressure margins throughout the year. Oscar's differentiation lies in its digital-first infrastructure, built specifically for the digital age. Unlike legacy insurers, Oscar designed its operation around digital-first member engagement -- leveraging telemedicine, artificial intelligence (AI)-powered health assessments, and predictive analytics. This approach has enabled the company to serve approximately 2 million members while maintaining competitive administrative expense ratios. The +Oscar platform remains a compelling long-term opportunity, offering potential to license care navigation and engagement tools to third-party providers. While this strategy could create high-margin software revenue, monetization beyond internal use is still in early stages. Its success may prove essential as potential changes to Affordable Care Act subsidies introduce new uncertainties to the individual insurance market. Hims navigates explosive growth and regulatory crosswinds Hims & Hers Health (NYSE: HIMS) has delivered a dramatic performance through 2025, highlighting both the explosive potential and inherent risks of disruptive healthcare models. The stock reached an all-time high of $72.98 in February before encountering significant turbulence from regulatory scrutiny and partnership disputes. The company's underlying business growth remains exceptional despite headline challenges. First-quarter revenue surged 111% year over year to $586 million, while adjusted earnings before interest, taxes, depreciation, and amortization (EBITDA) nearly tripled to $91 million. More importantly, Hims & Hers expanded its subscriber base to 2.4 million customers -- a 38% increase -- with nearly 60% now using personalized treatment solutions that command premium pricing. However, the Novo Nordisk partnership termination in June caused a major decline in the stock. This dispute over Hims & Hers' continued sale of compounded weight-loss medications exposes the company's central vulnerability: regulatory dependence on legally gray areas of pharmaceutical compounding. Beyond weight management, Hims & Hers has systematically expanded into mental health, dermatology, and hormone replacement therapy -- with over 80% of 2024 revenue coming from non-GLP-1 sources. Each vertical leverages the company's direct-to-consumer infrastructure, creating cross-selling opportunities that increase customer lifetime value. Yet, this expansion strategy faces intensifying competition from well-funded digital health competitors and increasingly digital-savvy incumbents. Weighing the digital healthcare transformation The healthcare technology revolution creates compelling investment opportunities for investors who can tolerate regulatory uncertainty and competitive pressure in exchange for exposure to transformative business models. Oscar Health offers a mature, profitable approach to technology-enabled insurance with multiple avenues for margin expansion and revenue diversification. The company's established market position and strong balance sheet provide defensive characteristics, while its technology platform positions it to capture value from healthcare's digital transformation. Hims & Hers provides higher-risk, higher-reward exposure to the direct-pay healthcare revolution, where patients increasingly bypass insurance for convenient, affordable treatments. The company's ambitious 2030 targets of $6.5 billion in revenue and $1.3 billion in adjusted EBITDA reflect management's confidence in expanding beyond specialty medications into comprehensive primary care services. Should you buy stock in Oscar Health right now? Before you buy stock in Oscar Health, consider this: The Motley Fool Stock Advisor analyst team just identified what they believe are the for investors to buy now… and Oscar Health wasn't one of them. The 10 stocks that made the cut could produce monster returns in the coming years. Consider when Netflix made this list on December 17, 2004... if you invested $1,000 at the time of our recommendation, you'd have $641,800!* Or when Nvidia made this list on April 15, 2005... if you invested $1,000 at the time of our recommendation, you'd have $1,023,813!* Now, it's worth noting Stock Advisor's total average return is 1,034% — a market-crushing outperformance compared to 180% for the S&P 500. Don't miss out on the latest top 10 list, available when you join Stock Advisor. See the 10 stocks » *Stock Advisor returns as of July 21, 2025 George Budwell has no position in any of the stocks mentioned. The Motley Fool has positions in and recommends Hims & Hers Health. The Motley Fool recommends Novo Nordisk. The Motley Fool has a disclosure policy. 2 Digital Healthcare Stocks Poised for a Breakout was originally published by The Motley Fool
Yahoo
22-07-2025
- Business
- Yahoo
Oscar Health Announces Preliminary Financial Results for Second Quarter 2025 and Revises 2025 Guidance
NEW YORK, July 22, 2025--(BUSINESS WIRE)--Oscar Health, Inc. ("Oscar" or the "Company") (NYSE: OSCR), a leading healthcare technology company, announced today certain preliminary financial results for the second quarter ended June 30, 2025 and updates to full year 2025 guidance. The Company expects a loss from operations of approximately $230 million and a net loss of approximately $228 million for the second quarter of 2025. The preannouncement is driven by a review of 2025 Marketplace data ("2Q Risk Adjustment Reports") from Wakely, an independent actuarial firm, that analyzes paid claims submissions through April 30, 2025 for most Marketplace insurance carriers. "The individual market is a competitive healthcare marketplace that provides affordable, high-quality coverage for millions of consumers across the country," said Mark Bertolini, CEO of Oscar Health. "We are taking appropriate pricing actions for 2026 that reflect higher acuity in the individual market, and we will continue to take steps to deliver for our members, partners, and shareholders. Oscar has successfully navigated dynamic markets before and we remain committed to our long-term strategy to bring more employees, individuals, and families healthcare choices that fit their needs through the individual market." The analysis of the 2Q Risk Adjustment Reports, covering nearly 100% of Oscar's geographic footprint, shows that overall ACA Marketplace risk scores, a measure of the average morbidity of the market, have increased by more than the Company's prior estimates. Based on the reports, the Company now expects a medical loss ratio of 86.0% to 87.0% for full year 2025. Utilization by Oscar's members remained elevated in the second quarter of 2025, however cost trends moderated as compared to the first quarter of 2025. The revised guidance assumes risk adjustment as a percentage of direct and assumed policy premiums is largely consistent year-over-year, and that elevated trends observed in market risk scores and recent Company utilization patterns persist for the remainder of 2025. The Company expects to resubmit rate filings for 2026 in states covering approximately 98% of current membership to reflect the higher market risk scores in the ACA Marketplace. The 2024 risk adjustment results, released by Centers for Medicare and Medicaid Services, were approximately $23 million favorable to the Company's accruals, as of the first quarter of 2025. Oscar is revising its full year 2025 outlook. For 2025, the Company now anticipates Total Revenue of $12.0 billion to $12.2 billion, a Medical Loss Ratio of 86.0% to 87.0%, a SG&A Expense Ratio of 17.1% to 17.6%, and a Loss from Operations of ($300 million) to ($200 million). The Company expects an Adjusted EBITDA loss of approximately $120 million less than the Loss from Operations. The Company expects to release second quarter 2025 financial results before the market opens on Wednesday, August 6, 2025, and host a conference call to review results beginning at 8:00 AM (ET). Oscar Health, Inc. 2025 Financial Guidance Summary Full Year 2025 Outlook (in thousands, except percentages) Low High Total Revenue (1) $12,000,000 $12,200,000 Medical Loss Ratio (2) 86.0% 87.0% SG&A Expense Ratio (3) 17.1% 17.6% Loss from Operations (4) $(300,000) $(200,000) (1) Total revenue includes Premium revenue, Investment income, and Services and other revenue. We believe Total revenue is an important metric to assess the growth of our business, as well as the earnings potential of our investment portfolio. (2) Medical loss ratio (MLR) is a metric used to calculate medical expenses as a percentage of net premiums before ceded quota share reinsurance. We believe MLR is an important metric to demonstrate the ratio of our costs to pay for healthcare of our members to the net premiums before ceded quota share reinsurance. (3) The Selling, general, and administrative (SG&A) Expense ratio is calculated as selling, general and administrative expenses as a percentage of Total Revenue. We believe the SG&A Expense ratio is a valuable metric to evaluate our ability to manage our overall selling, general, and administrative cost base. (4) Loss from operations is a metric for assessing operating performance. Loss from operations is the Company's Total revenue less Total operating expenses. Non-GAAP Financial InformationThis release presents Adjusted EBITDA, a non-GAAP financial metric, which is provided as a complement to the preliminary results provided in accordance with accounting principles generally accepted in the United States of America ("GAAP"). Adjusted EBITDA is defined as Net income (loss) for the Company and its consolidated subsidiaries before interest expense, income tax expense (benefit), and depreciation and amortization, as further adjusted for stock-based compensation and other items that are considered unusual or not representative of underlying trends of our business, where applicable for the period presented. We present Adjusted EBITDA because we believe it is frequently used by securities analysts, investors, and other interested parties in the evaluation of companies in our industry. Management believes that investors' understanding of our performance is enhanced by including this non-GAAP financial measure as a reasonable basis for comparing our ongoing results of operations. We caution investors that amounts presented in accordance with our definition of Adjusted EBITDA may not be comparable to similar measures disclosed by our competitors, because not all companies and analysts calculate Adjusted EBITDA in the same manner. Oscar has not provided a quantitative reconciliation of forecasted Adjusted EBITDA to forecasted GAAP net income (loss) within this press release because Oscar is unable, without making unreasonable efforts, to calculate certain reconciling items with confidence. These items include, but are not limited to, stock-based compensation expense. These items, which could materially affect the computation of forecasted GAAP net income (loss), are inherently uncertain and depend on various factors, some of which are outside of Oscar's control. As such, any associated estimate and its impact on GAAP net income (loss) could vary materially. Cautionary Note Regarding Forward-Looking StatementsThis press release contains forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. All statements other than statements of historical fact contained herein are forward-looking statements. These statements include, but are not limited to, statements about our preliminary results for the second quarter ended June 30, 2025, our financial outlook and estimates, including Total revenue, Medical Loss Ratio, SG&A Expense Ratio, Loss from Operations, Adjusted EBITDA loss and other financial performance metrics, the assumptions underlying our outlook, including expectations with respect to risk adjustment as a percentage of direct and assumed policy premiums and trends in market risk scores and Company utilization patterns, our planned resubmission of rate filings, our business and financial prospects, potential benefits of participation in the individual market, expectations with respect to ACA Marketplace risk scores, industry and market dynamics and expected trends, and our management's plans and objectives for future operations, expectations and business strategy, including future pricing actions. In some cases, you can identify forward-looking statements by terms such as "may," "will," "should," "expects," "plans," "anticipates," "could," "intends," "targets," "projects," "contemplates," "believes," "estimates," "forecast," "predicts," "potential," or "continues" or the negative of these terms or other similar expressions. Accordingly, we caution you that any such forward-looking statements are not guarantees of future performance and are subject to risks, assumptions, and uncertainties that are difficult to predict and generally beyond our control. Although we believe that the expectations reflected in these forward-looking statements are reasonable as of the date made, there are or will be important factors that could cause our actual results to differ materially from those indicated in these forward-looking statements, including, but not limited to, the following: our ability to execute our strategy and manage our growth effectively (including our ability to successfully integrate strategic acquisitions); our ability to retain and expand our member base; our ability to accurately estimate our incurred medical expenses, including as a result of changes or inaccuracies in our actuarial assumptions, or to effectively manage our medical costs or related administrative costs; our ability to maintain profitability in the future; unanticipated results of or changes to risk adjustment programs; our ability to arrange for the delivery of quality care and maintain good relations with brokers and the physicians, hospitals, and other providers within and outside our provider networks; evolving federal and state laws and regulations (including any changes in the interpretation or enforcement of existing laws and regulations), including changes with respect to the Patient Protection and Affordable Care Act ("ACA") and any regulations enacted thereunder, non-renewal of the enhanced APTCs, the implementation of new program integrity rules or other government actions, such as the imposition of tariffs; our ability to comply with ongoing regulatory requirements, including capital reserve and surplus requirements and applicable performance standards; changes or developments in the health insurance markets in the United States; our, or any of our vendors', ability to comply with laws, regulations, and standards related to the handling of information about individuals or applicable consumer protection laws, including as a result of our participation in government-sponsored programs; heightened competition in the markets in which we participate; our ability to utilize quota share reinsurance to meet our capital and surplus requirements and protect against downside risk on medical claims; unfavorable or otherwise costly outcomes of lawsuits, audits, investigations, and other third party claims; incurrence of data security breaches of our and our partners' information and technology systems; our ability to attract and retain qualified personnel; our ability to detect and prevent material weaknesses or significant control deficiencies in our internal controls over financial reporting or other failure to maintain an effective system of internal controls; adverse publicity or other adverse consequences related to our dual class structure or "controlled company" status; and the other factors set forth under the caption "Risk Factors" in our Annual Report on Form 10-K for the year ended December 31, 2024, filed with the Securities and Exchange Commission ("SEC"), as well as our other filings with the SEC, including our Quarterly Report on Form 10-Q for the quarterly period ended March 31, 2025 filed with the SEC and our Quarterly Report on Form 10-Q for the quarterly period ended June 30, 2025 to be filed with the SEC. You are cautioned not to place undue reliance on any forward-looking statements made in this press release. Any forward-looking statement speaks only as of the date as of which it is made, and, except as otherwise required by law, we do not undertake any obligation to publicly update or review any forward-looking statement, whether as a result of new information, future developments or otherwise. New factors emerge from time to time, and it is not possible for us to predict which will arise. Financial Disclosure AdvisoryAll financial data in this press release is preliminary and represents the most current information available to the Company's management, as financial closing procedures for the quarter ended June 30, 2025 are not yet complete. These estimates are not a comprehensive statement of the Company's financial results for the quarter ended June 30, 2025 and actual results may differ from these estimates as a result of the completion of normal quarter-end accounting procedures and adjustments, as well as the preparation and review of the Company's financial statements for the quarter ended June 30, 2025 and the subsequent occurrence or identification of events prior to the formal issuance of our second quarter financial results. About Oscar HealthOscar Health, Inc. ("Oscar") is a leading healthcare technology company built around a full stack technology platform and a relentless focus on serving our members. We have been challenging the status quo in the healthcare system since our founding in 2012, and are dedicated to making a healthier life accessible and affordable for all. Oscar offers Individual & Family plans and health technology solutions that power the healthcare industry through +Oscar. Our technology drives superior experiences, deep engagement, and high-value clinical care, earning us the trust of approximately 2.0 million members, as of March 31, 2025. View source version on Contacts Investor Contact: Chris PotocharVP of Investor Relationsir@ Media Contact: Kristen PrestanoVP of Communicationspress@ Sign in to access your portfolio
Bloomberg
22-07-2025
- Business
- Bloomberg
Oscar Health Sees Full-Year Loss as Obamacare Troubles Spread
Oscar Health Inc. slashed its outlook and reported preliminary results below Wall Street estimates, the latest health insurer to be rocked by trouble in Affordable Care Act marketplaces. Oscar now expects an operating loss of $250 million at the midpoint in 2025, it said in a statement Tuesday, while it had previously expected operating income of the same amount at the midpoint.
Yahoo
18-07-2025
- Business
- Yahoo
Oscar Health (OSCR) Falters on UBS' 'Sell' Reco
We recently published . Oscar Health, Inc. (NYSE:OSCR) is one of the worst-performing companies on Thursday. Oscar Health fell by 9.64 percent on Thursday to close at $13.87 apiece as investor sentiment was dampened by analysts' pessimistic views about the insurance industry. In a market note recently, investment firm UBS recommended investors to sell their shares in Oscar Health, Inc. (NYSE:OSCR), a revision from the 'neutral' stance previously amid the growing instability of the Affordable Care Act. The brokerage firm also lowered its price target for the stock to $11 from $15 previously, marking a 20.7 percent downside from its latest closing price. According to UBS, it now expects enrollments to its programs to drop by 30 percent next year, worse than its previous estimate of 18 percent. A close up of a patient and a healthcare professional engaging in conversation, showing the company's commitment to patient care. Further dampening sentiment, insurance counterpart Elevance Health reported a 24.2-percent drop in net income during the second quarter of the year, while another insurance firm, Centene Corp., withdrew its 2025 earnings forecast earlier this month due to an expected slump in its revenues from commercial plans under the ACA or Obamacare. While we acknowledge the potential of OSCR as an investment, our conviction lies in the belief that some AI stocks hold greater promise for delivering higher returns and have limited downside risk. If you are looking for an extremely cheap AI stock that is also a major beneficiary of Trump tariffs and onshoring, see our free report on the . READ NEXT: 30 Stocks That Should Double in 3 Years and 11 Hidden AI Stocks to Buy Right Now. Disclosure: None. This article is originally published at Insider Monkey. Error in retrieving data Sign in to access your portfolio Error in retrieving data Error in retrieving data Error in retrieving data Error in retrieving data
