8-K
filed November 6, 2025, 6:59 PM ET
ticker OSCR
CIK 0001568651
earnings
confidence high
sentiment negative
materiality 0.75
Oscar Health Q3 net loss $137.5M ($0.53 EPS); exchanges $187.5M notes for 23.3M shares
Oscar Health, Inc.
2025-Q3 EPS reported
-$0.35
revenue$8,896,192,000
- Q3 total revenue $2.99B (+23% YoY); net loss $137.5M vs $54.6M loss YoY; Adj EBITDA loss $101.5M vs $11.6M loss.
- Medical loss ratio 88.5% (vs 84.6% YoY) driven by $130M increase in risk adjustment accrual; SG&A ratio improved to 17.5%.
- Reaffirmed FY2025 guidance: revenue $12.0-12.2B, loss from operations $200-300M, MLR 86-87%.
- On Nov 5, exchanged $187.5M of 7.25% convertible notes due 2031 for 23.3M shares; up to $62.5M more by Dec 14.
- Debt covenants extinguished; $410M subordinated notes due 2030 no longer subordinated to 2031 notes.
Machine-readable event card
- schema_version
- secwatch.filing_event.v1
- accession
- 0001568651-25-000035
- form_type
- 8-K
- ticker
- OSCR
- cik
- 0001568651
- company_name
- Oscar Health, Inc.
- filed_at
- 2025-11-06T23:59:59+00:00
- discovered_at
- 2026-05-14T18:02:39.780178+00:00
- generated_at
- 2026-05-16T23:41:28.052894+00:00
- sec_items
- ["2.02", "8.01", "9.01"]
- event_type
- earnings
- sentiment
- negative
- materiality_score
- 0.75
- calibrated_materiality_score
- 0.75
- confidence
- high
- secwatch_canonical_url
- https://secwatch.observer/filing/0001568651-25-000035
- json_url
- https://secwatch.observer/filing/0001568651-25-000035.json
- markdown_url
- https://secwatch.observer/filing/0001568651-25-000035.md
- text_url
- https://secwatch.observer/filing/0001568651-25-000035.txt
- edgar_index_url
- https://www.sec.gov/Archives/edgar/data/1568651/000156865125000035/0001568651-25-000035-index.htm
- edgar_primary_document_url
- https://www.sec.gov/Archives/edgar/data/1568651/000156865125000035/oscr-20251103.htm
- generated_by_model
- deepseek-v4-flash:cloud@v2
- review_status
- machine_generated
- human_reviewed
- false
- corrected
- false
- correction_note
- null
- correction_timestamp
- null
- superseded_by
- null
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