Oscar Health (NYSE:OSCR) Q4 2025 Earnings call February 10, 2026 08:00 AM ET Company ParticipantsChris Potochar - VP of Treasury and Investor RelationsJohn Ransom - Managing Director and the Director of Healthcare ResearchJoshua Raskin - Co-Founder and PartnerMark Bertolini - CEOR. Scott Blackley - CFONone - Company RepresentativeConference Call ParticipantsAndrew Mok - Director and Equity Research AnalystCraig Jones - Equity Research AnalystJessica Tassan - Vice President and Senior Research AnalystRaj Kum ...

Oscar Health (NYSE:OSCR) Q4 2025 Earnings call February 10, 2026 08:00 AM ET Speaker7Good morning. My name is Jeanie, and I will be your conference operator today. At this time, I would like to welcome everyone to Oscar Health Fourth Quarter and Full Year 2025 Earnings Conference Call. All lines have been placed on mute to prevent any background noise. After the speaker's remarks, there will be a question-and-answer session. Today we ask you to limit yourself to one question and one follow-up. If you would ...

Oscar Health, Inc. (OSCR) came out with a quarterly loss of $1.24 per share versus the Zacks Consensus Estimate of a loss of $0.84. This compares to a loss of $0.62 per share a year ago. These figures are adjusted for non-recurring items.This quarterly report represents an earnings surprise of -47.62%. A quarter ago, it was expected that this company would post a loss of $0.55 per share when it actually produced a loss of $0.53, delivering a surprise of +3.64%.Over the last four quarters, the company has su ...

Core Insights - Oscar Health reported a widening loss in the fourth quarter, indicating ongoing challenges with high medical service utilization among its enrollees [1] Company Summary - The health insurer, Oscar Health, is facing difficulties as the utilization of medical services by its plan members remains elevated, contributing to increased financial losses [1]

Exhibit 10.1 CREDIT AGREEMENT dated as of February 6, 2026, among TABLE OF CONTENTS Page | ARTICLE I DEFINITIONS | | | --- | --- | | Section 1.01. | Defined Terms | | Section 1.02. | Terms Generally | | Section 1.03. | Pro Forma Calculations . | | Section 1.04. | Classification of Loans and Borrowings . | | Section 1.05. | [Reserved] . | | Section 1.06. | Limited Condition Acquisitions . | | Section 1.07. | Rates | | Section 1.08 | Divisions. . | | ARTICLE II THE COMMITMENTS AND CREDIT EXTENSIONS . | | | Se ...

PresentationMark Dehring Good afternoon, everyone, and thank you for joining us on short notice. My name is Mark Dehring, Head of Investor Relations at CSL. The focus of today's call is CSL's leadership transition, and we appreciate your interest and engagement in this important juncture for the company. To be clear, we are not addressing financial results during this session. There will be a separate call tomorrow dedicated to our financial performance, where you'll have the opportunity to ask questions re ...

Key TakeawaysThe U.S. House Judiciary Committee Republicans have issued subpoenas to eight major health insurers, including Elevance Health (ELV), CVS Health (CVS), Centene (CNC), Guidewell, and Oscar Health (OSCR), as part of an expanding investigation into potential fraud related to Affordable Care Act (ACA) premium subsidies.European officials are actively developing plans to gradually assume greater responsibility for the continent's defense, aiming to potentially replace U.S. strategic forces in Europe ...

Core Insights - Oscar Health is leveraging AI to enhance customer experience in health insurance, aiming to disrupt the traditional healthcare sector [1][2] - The company has significantly increased its market share, growing from 200,000 members in 2019 to 2 million currently, indicating strong demand for its services [5] Group 1: Company Overview - Oscar Health offers complimentary telehealth services, positioning itself as a competitive player in the healthcare market by 2026 [3] - The company utilizes advanced technology and cloud-based software to improve customer satisfaction and reduce costs, addressing inefficiencies in the legacy health insurance system [4] Group 2: Market Position and Growth - Oscar Health targets individuals purchasing health insurance through the Affordable Care Act (ACA) marketplace, allowing it to compete effectively in select states [5] - The company has been proactive in developing new products, including an AI chatbot named Oswell, to assist members in managing their healthcare information [6] Group 3: Financial Performance and Challenges - Despite gaining market share, Oscar Health's stock has declined over 50% since its public debut in 2021 due to rising healthcare costs and profitability challenges [8][9] - The company has raised its plan prices by 28% for 2026 to address claims outpacing premiums, aligning with industry trends [9] - The expiration of health insurance subsidies in 2026 poses a risk to customer retention, particularly among low-income individuals [10] - Oscar Health anticipates generating at least $12 billion in revenue this year, with a current market cap of under $4 billion, suggesting potential for long-term investment [12]

Company Overview - Oscar Health, Inc. (NYSE:OSCR) provides medical insurance plans for individuals, families, and small businesses [2] Recent Performance - Oscar Health reversed from being a contributor to a detractor in the third quarter of 2025, with claims losses being much worse than expected in the first half of the year [2] - The stock price exceeded $20 per share at the end of the second quarter, but July was a challenging month for Oscar and its industry [2] - As the stock recovered later in the quarter, the Longleaf Partners Small-Cap Fund sold the rest of its position, indicating a successful overall investment despite the volatility [2] Market Sentiment - Jim Cramer expressed a positive sentiment towards Oscar Health, indicating that the leadership of Bertolini is a significant factor in his bullish outlook [1] - There is a belief that certain AI stocks may offer greater upside potential compared to Oscar Health, suggesting a competitive landscape for investment opportunities [3]

Core Insights - The article emphasizes the importance of identifying high-potential investment opportunities before they experience significant growth, focusing on asymmetric opportunities with a potential upside of 3-5 times the downside risk [1]. Investment Strategy - The investment approach leverages market inefficiencies and contrarian insights to maximize long-term compounding while safeguarding against capital impairment [1]. - A strong margin of safety is prioritized to protect against potential capital losses, ensuring that the investment strategy is resilient during market volatility [1]. - The investment horizon is set at 2-3 years, allowing the company to endure market fluctuations and emphasizing the values of patience, discipline, and intelligent capital allocation for achieving superior returns over time [1].