Company Performance - Oscar Health, Inc. (OSCR) closed at $21.03, reflecting a +1.74% increase from the previous day, outperforming the S&P 500's daily loss of 0.63% [1] - Prior to the latest trading session, shares had gained 16.32%, contrasting with the Finance sector's loss of 0.83% and the S&P 500's gain of 0.92% [1] Upcoming Earnings - The company's earnings report is scheduled for November 6, 2025, with an expected EPS of -$0.55, representing a 150% decline from the prior-year quarter [2] - The Zacks Consensus Estimate projects net sales of $3.09 billion, indicating a 27.51% increase from the year-ago period [2] Full Year Projections - For the full year, the Zacks Consensus Estimates forecast earnings of -$1.42 per share and revenue of $12.06 billion, reflecting changes of -1520% and +31.44% respectively from the prior year [3] Analyst Estimates - Recent changes to analyst estimates for Oscar Health, Inc. are important as they reflect short-term business trends [4] - Positive revisions in estimates indicate analysts' confidence in the company's performance and profit potential [4] Zacks Rank System - The Zacks Rank system, which ranges from 1 (Strong Buy) to 5 (Strong Sell), has a history of outperforming, with 1 stocks returning an average annual gain of +25% since 1988 [6] - Over the last 30 days, the Zacks Consensus EPS estimate for Oscar Health, Inc. has decreased by 0.23%, and the company currently holds a Zacks Rank of 4 (Sell) [6] Industry Overview - Oscar Health, Inc. operates within the Insurance - Multi line industry, which is part of the Finance sector [7] - The current Zacks Industry Rank for this sector is 68, placing it in the top 28% of over 250 industries [7]

Core Insights - Oscar Health, Inc. (OSCR) stock closed at $20.69, reflecting a +1.42% change from the previous day, outperforming the S&P 500's loss of 0.16% [1] - The company experienced an 8.92% increase in shares over the past month, surpassing the Finance sector's decline of 1.81% and the S&P 500's gain of 1.14% [1] Earnings Expectations - Oscar Health is set to release its earnings report on November 6, 2025, with analysts predicting a loss of -$0.55 per share, indicating a year-over-year decline of 150% [2] - Revenue is expected to reach $3.09 billion, representing a 27.51% increase compared to the same quarter last year [2] Full-Year Estimates - The Zacks Consensus Estimates for Oscar Health's full-year performance forecast earnings of -$1.42 per share and revenue of $12.06 billion, reflecting year-over-year changes of -1520% and +31.44%, respectively [3] Analyst Sentiment - Recent changes in analyst estimates suggest a positive outlook on Oscar Health's business operations and profit generation capabilities [4] - The Zacks Rank system, which incorporates these estimate revisions, indicates a current rank of 3 (Hold) for Oscar Health, with no changes in the EPS estimate over the past month [6] Industry Context - Oscar Health operates within the Insurance - Multi line industry, which holds a Zacks Industry Rank of 76, placing it in the top 31% of over 250 industries [7] - The Zacks Industry Rank assesses the performance potential of industry groups based on the average Zacks Rank of individual stocks, with top-rated industries outperforming lower-rated ones by a factor of 2 to 1 [7]

Core Insights - The article introduces Charles Aractingi as a new contributing analyst for Seeking Alpha, inviting others to share their investment ideas [1] Group 1 - The analyst has a multidisciplinary focus on Politics, Philosophy, Economics, Law, and Finance, with three years of investment experience [2] - Research will center around the healthcare and technology sectors, particularly emerging and disruptive technologies [2] - A bottom-up research approach is employed, considering both qualitative and quantitative factors, including key revenue drivers and reasons for unprofitability [2] Group 2 - The analyst emphasizes the importance of management teams in creating customer value and addressing risks honestly [2] - There is a focus on businesses with clear visions and strong execution capabilities [2] - The purpose of the analysis is to provide insights on potential investment opportunities and receive feedback from others [2]

Core Insights - Oscar Health is a $5 billion digital health-insurance company expected to achieve profitability from 2023 to 2026, but analysts have downgraded their EPS forecast from a profit of $0.61 to a loss of $1.42 in recent months [1] - Next year's profit projection has also shifted from a profit of $0.54 to a loss of $0.67, while revenue consensus remains unchanged at $11.26 billion, indicating a 6.6% decline compared to this year's guidance [2] Competitive Landscape - Oscar Health faces competition from both technology-driven startups and established legacy providers, including Clover Health, Bright Health, Lemonade, NeueHealth, and Sidecar Health, all of which emphasize digital-first, member-centric insurance models [3] - The company also competes against traditional insurers like UnitedHealthcare, Blue Cross Blue Shield, and CNO Financial, highlighting a diverse competitive landscape that includes specialized insurtech firms and large payors with significant market presence [4] Market Reaction - Following the 2025 guidance update, Oscar's shares increased from $13 to $23, reflecting investor optimism despite the downward revision in profit outlook [4] - Analyst price targets have been adjusted upward, with the average target around $11, indicating over 50% downside potential, while Wells Fargo recently raised its target from $10 to $14 but maintained an Underweight rating [5] - Oscar shares have surged 75% since the revenue guidance increase, yet analysts have revised their profit forecasts downward, projecting losses instead [6]

Core Insights - Oscar Health, Inc. will release its third quarter 2025 financial results on November 6, 2025, before the market opens [1] - A conference call to discuss these results will take place at 8:00 AM (ET) on the same day [1] Company Overview - Oscar Health is a leading healthcare technology company founded in 2012, focused on making healthcare accessible and affordable [2] - The company serves approximately 2.0 million members as of June 30, 2025, through its Individual & Family plans and health technology solutions [2]

Market Overview - SMID cap growth equities saw significant gains in Q3 2025, with the Russell 2500 Growth Index increasing by 10.7% [2] - The supportive policy backdrop included a Federal Reserve rate cut, a reconciliation/tax bill, and trade deals that reduced tariffs compared to April levels [2] - The performance of SMID growth equities was comparable to large cap peers, with the Russell 1000 Growth Index rising by 10.5% and the Russell 2000 Growth Index returning 12.2% [2] Policy Environment - The policy environment became more predictable and supportive for consumers and businesses, leading to renewed confidence in capital allocation and investment decisions [3] - This shift positively impacted sectors like industrials and health care, where balance sheet strength and visible growth pipelines are key differentiators [3] Investment Landscape - Despite an improved environment, investors remained selective, particularly in consumer-sensitive industries and those facing AI disintermediation risks [4] - Many small- and mid-cap growth companies are still navigating a bottoming process, with uneven demand trends and cost pressures acting as headwinds [4] Portfolio Performance - The ClearBridge SMID Cap Growth Strategy underperformed its benchmark in Q3, with strong contributions from health care and select industrials offset by weakness in information technology and consumer discretionary sectors [5] - Notable performers included Medpace, Insmed, and Doximity in health care, while Chewy and Wingstop faced challenges in consumer discretionary [7] Portfolio Positioning - The strategy focused on adding innovative growth companies with large addressable markets, initiating positions in Avidity Biosciences and Kratos Defense [9][10] - Exited positions included Globant due to geopolitical concerns and volatility from AI adoption risks [11] Outlook - SMID cap growth stocks face near-term headwinds from consumer spending and technological advances favoring mega-cap AI beneficiaries [12] - However, Fed easing and greater policy clarity create a more constructive environment for growth execution [12] - The potential for re-acceleration in depressed subsegments of the SMID growth market is anticipated, with a focus on innovative businesses with strong balance sheets [13] Portfolio Highlights - The ClearBridge SMID Cap Growth Strategy had positive contributions from seven of the ten sectors invested, with industrials and health care being the largest contributors [14] - Stock selection in IT, consumer discretionary, and materials sectors detracted from performance, while consumer staples and health care sectors provided benefits [15] Individual Stock Performance - Key contributors to relative returns included Bloom Energy, Medpace, Comfort Systems, and Insmed, while detractors included Wingstop and Monday.com [16] New Positions - New positions initiated included CG Oncology in health care, Karman and Rocket Lab in industrials, and Credo Technology in IT [17]

Core Viewpoint - Oscar Health's stock price has experienced a significant increase due to the company's announcement of plans to integrate artificial intelligence (AI) into its operations [1] Group 1: Stock Performance - Oscar Health's stock surged to a high of $24.2 in recent weeks, indicating a strong upward trend [1]

Core Viewpoint - Oscar Health Inc. (NYSE:OSCR) has seen significant stock performance due to President Trump's decision to pause a 100 percent tariff on pharmaceutical imports, which alleviates immediate cost pressures on the company and its insurance counterparts [1][3]. Group 1: Stock Performance - Oscar Health's stock reached a high of $21.71 during the session, nearing its 52-week high of $22.78, and finished the day up by 12.34 percent at $21.66 [2]. - The stock's rally extended for a second day, reflecting positive investor sentiment following the tariff pause [1]. Group 2: Impact of Tariff Decision - Trump's decision to delay tariffs on pharmaceutical imports is part of ongoing negotiations with drugmakers to lower prescription drug prices for Americans, which benefits Oscar Health by preventing immediate premium increases [3]. - The commitments from pharmaceutical companies to invest in U.S. manufacturing facilities are expected to ease pricing pressures over time, helping Oscar Health maintain affordable insurance plans for customers [4].

Company Performance - Oscar Health, Inc. (OSCR) closed at $19.28, reflecting a +2.01% change from the previous day's closing price, outperforming the S&P 500's daily gain of 0.06% [1] - The company's shares increased by 6.9% over the past month, surpassing the Finance sector's gain of 0.8% and the S&P 500's gain of 3.94% [1] Earnings Projections - Oscar Health, Inc. is expected to report earnings of -$0.55 per share, indicating a year-over-year decline of 150% [2] - Revenue is projected at $3.09 billion, representing a 27.51% increase from the prior-year quarter [2] Annual Estimates - For the annual period, the Zacks Consensus Estimates predict earnings of -$1.42 per share and revenue of $12.06 billion, reflecting shifts of -1520% and +31.44% respectively from the last year [3] - Recent changes to analyst estimates may indicate a favorable outlook on the company's business health and profitability [3] Analyst Ratings - The Zacks Rank system, which ranges from 1 (Strong Buy) to 5 (Strong Sell), currently rates Oscar Health, Inc. at 4 (Sell) [5] - The consensus EPS projection has remained stagnant over the past 30 days [5] Industry Context - Oscar Health, Inc. operates within the Insurance - Multi line industry, which holds a Zacks Industry Rank of 82, placing it in the top 34% of over 250 industries [6] - The Zacks Industry Rank measures the strength of industry groups, with the top 50% rated industries outperforming the bottom half by a factor of 2 to 1 [6]

Group 1 - The contributor has 5 years of experience in financial markets and over 2 years in primary investment research, focusing on smaller, under-covered companies for potential mis-pricing opportunities [1] - The investment strategy emphasizes a bottom-up research approach, aiming to identify asymmetric opportunities with limited downside risk [1] Group 2 - There is no disclosure of stock, options, or similar derivative positions in any mentioned companies, nor plans to initiate such positions in the next 72 hours [2] - The article expresses the contributor's own opinions and is not influenced by compensation from any company mentioned [2]