OSCR Oscar Health, Inc.
FY2025 10-K
Oscar Health, Inc. (OSCR) filed its fiscal year 2025 10-K annual report with the SEC on Feb 13, 2026. This page provides AI-powered analysis of the filing, including business overview, management discussion, risk factors, and key financial metrics from XBRL data.
AI Filing AnalysisFY2025 10-K
Business Overview
- • Core business model: Technology-enabled health insurer offering ACA individual market plans with integrated full stack platform and focus on member experience
- • New 2025 acquisitions: Lucie (enrollment tech), IHC Specialty Benefits (brokerage), Healthinsurance.org, expanding ICHRA capabilities and consumer health marketplace
Management Discussion & Analysis
- • Total revenue $X (amount not specified), driven by Premium revenue and investment income components
- • Operating loss and net loss figures not disclosed; MLR and SG&A ratios provided but no % margin change specified
Risk Factors
- • Debt obligations under 2030 Convertible Senior Notes $410M pose liquidity risk on mandatory repurchase or conversion payments
- • $475M secured 3-year revolving credit facility with JPMorgan Chase began Feb 2026 replacing terminated $115M facility
Financial SummaryXBRL
Revenue
$29M
Net Income
-$443M
Operating Margin
-1386.2%
Net Margin
-1549.9%
ROE
-45.3%
Total Assets
$6.3B
EPS (Diluted)
$-1.69
Operating Cash Flow
$1.1B
Source: XBRL data from Oscar Health, Inc. FY2025 10-K filing on SEC EDGAR. All figures in USD.
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