📆 As of June 18, 2025
📈 Ticker: $OSCR | Price: $18.77 | Change: +2.66 (+16.51%)
🎯 Category: Insider Scoops

💥 Insider Pulse: Big Buys, Big Bets

Let’s rewind to Q4 2024, when insiders went on a buying spree:

🛍️ Nov 11 – Nov 20, 2024
📦 Joshua Kushner (Co-Founder & Vice Chair) + Thrive Partners (10% owner):

• Bought over 1.5 million shares, investing more than $23 million

• At prices between $13.67 and $16.91

• Confidence level? 💯 (Or at least a big tax write-off...)

🏦 Institutional Health Checkup

💼 Institutions own a healthy 90.51% of OSCR’s float
🧠 Translation: Smart money is very much in the house.

Top Holders:

• 🛡️ Vanguard – 8.99%

• 🧱 BlackRock – 7.57%

• 🏛️ JPMorgan – 6.31%

• 📈 T. Rowe Price – 5.40%

• 💊 Deerfield – 5.40%

🔍 For full Institutional Ownership breakdown, see here. 

🧬 What Oscar Actually Does

Oscar Health (based in NYC 🗽) is a tech-driven health insurance company offering:

🏥 Individual, family, small business, and employee plans
🩺 Reinsurance and data-powered insurance infrastructure
🧠 +Oscar platform: AI-based engagement tools for providers & payors
💡 Campaign Builder: For nudging patients toward better decisions (and less cost!)

💰 Financial Wellness Check (2024)

🧾 Full-Year Revenue: $9.2 billion (+56.5%)
📉 SG&A Ratio: 19.1% (improved 520 bps!)
📊 Net Income: $25.4 million (first time in the green!)
💵 Adjusted EBITDA: $199.2 million (vs. -$45.3M last year)
🎉 “Best year in Oscar’s history,” says CEO Mark Bertolini — and who are we to argue?

🔮 2025 Forecasts

• 📈 Revenue: $11.2–$11.3B

• 🧮 Earnings from Ops: $225M–$275M (vs. $57.2M in 2024)

• 📉 SG&A: Down to 17.6–18.1%

• 💸 MLR: A very manageable 80.7–81.7%

📊 Q1 2025 Just In: The Momentum Continues

🧾 Revenue: $3.0B (+42%)
🧮 Earnings from Ops: $297.1M
💸 Net Income: $275.3M or $0.92 EPS
💼 Adjusted EBITDA: $328.8M
📉 SG&A ratio: down to 15.8%

👉 Want the full picture? Dive into Oscar health’s financials here.

🔍 Valuation Metrics: Healthy or Hyped?

💸 P/E Ratio: 77.69 (👀)
📉 Forward P/E: 19.57 (💡Much better)
💰 Price/Sales: 0.50
🏛️ Enterprise Value/Revenue: 0.28
📚 Price/Book: 3.59 (but falling)

📢 TL;DR: Expensive? A little. But growing so fast, it's basically doing squats in the valuation gym.

🧨 Risk Factors

1. 🐂 Valuation: Still a premium stock... just less so than it was

2. ⚔️ Competition: UnitedHealth, Aetna, Blue Cross... yeah, they're not small

3. 🧘 What if no one gets sick? (We'd actually be thrilled, but... investors might not)

💡 Curious about another healthcare stock?
Check our take on UnitedHealth Group.

✅ Bottom Line

🔥 Oscar’s got the growth of a tech stock and the institutional love of a blue chip.
💊 With strong insider buying, record revenue, and surging earnings — this health tech play may still have room to run.

Just don’t forget...

⚠️ Disclaimer: Not investment advice. This is health insurance for your brain — coverage includes humor and data, but excludes liability. 🚫

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