Oscar Health Q2 net income $361.8M vs loss $228.4M; raises FY 2026 guidance

Oscar Health, Inc.

Q2 2026 total revenue $4.88B, up 70% YoY; net income $361.8M ($1.10 diluted EPS) vs net loss $228.4M ($0.89 loss) in Q2 2025.
Medical loss ratio improved to 79.2% from 91.1%; SG&A expense ratio improved to 14.2% from 18.7%.
Effectuated membership grew 46% YoY to 2.96M members.
Full-year 2026 earnings from operations guidance raised to $500M-$700M (from $250M-$450M); MLR guidance improved to 81.5%-82.5%.
Adjusted EBITDA $415.3M in Q2 2026 vs loss $199.4M in Q2 2025.

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