Keuangan Oscar Health, Inc. (OSCR)
NYSE · Healthcare · Medical - Healthcare Plans · Karyawan: 2.305 · CEO: Mark Thomas Bertolini
- Harga
- $30,37 -1,36%
- Kapitalisasi pasar
- $7,87 M
- Nilai perusahaan
- $4,23 M
- Laporan terakhir
- Q2 '26 diajukan 2026-08-07
- Laporan berikutnya
- 2026-11-05 Estimasi EPS: -$0,14
Pendapatan (TTM)$15,3 M+42,8% vs tahun lalu4 kuartal terakhir; batang = tiap kuartal
Margin operasional (TTM)4,1%+5,3 poin vs tahun laluLaba operasional: $624 jt
Laba bersih (TTM)$551 jt+441,6% vs tahun laluSetelah pajak, termasuk keuntungan non-operasional
Arus kas bebas (TTM)$4,33 M+260,8% vs tahun laluCapex: $38,6 jt
EPS dilusian (TTM)$1,40+284,2% vs tahun laluJumlah 4 kuartal terakhir
Kas neto$8,12 M+151,0% vs tahun laluKas + investasi jangka pendek - utang
Valuasi & angka utama
- Kapitalisasi pasar
- $7,87 M EV $4,23 M
- Pendapatan
- $15,3 M 12 bulan terakhir
- Pertumbuhan pendapatan
- +59% Konsensus FY2026
- Margin laba
- 3,6% Laba bersih / pendapatan, TTM
- P/E
- 17,8× Forward 15,7× (FY2026)
- P/S
- 0,5× Harga / penjualan, TTM
- EV / EBITDA
- 6,7× TTM
- Arus kas bebas
- $4,33 M 12 bulan terakhir
- Laba bersih
- $551 jt 12 bulan terakhir
- Estimasi pendapatan
- $18,6 M Konsensus FY2026
- Laba
- 2026-11-05 Estimasi pendapatan: $4,69 M
- Dividen
- – Tanpa dividen
Poin-poin utama
Dihitung dari angka yang dilaporkan - setiap pernyataan menyertakan angka yang mendasarinya.
- Laporan terakhir (2026-08-06): pendapatan melampaui 1,3%, EPS melampaui 173,0%Pendapatan $4,79 M vs $4,73 M yang diharapkan (+1,3%); EPS $1,10 vs $0,40 (+173,0%).
- Pertumbuhan pendapatan menguat: 70,4% yoyPendapatan Q2 '26: $4,88 M, rata-rata empat kuartal sebelumnya: 30,5%.
- Margin operasional 4,1% (TTM), dibanding tahun lalu: +5,3 poinLaba operasional tumbuh 567,8%, pendapatan tumbuh 42,8%.
- Capex: 0,3% dari pendapatan (tahun lalu 0,3%)$38,6 jt diinvestasikan dalam 4 kuartal terakhir (+18,2% dibanding tahun sebelumnya). Arus kas bebas: $4,33 M = 787,1% dari laba bersih.
- Jumlah saham dilusian naik dalam setahun: 23,4%Saham dilusian pada Q2 '26: 333 jt, setahun sebelumnya: 270 jt.
- Kas neto: $8,12 MKas + investasi jangka pendek: $8,56 M, utang termasuk sewa: $432 jt; tahun lalu kas neto: $3,24 M.
Kuartal terakhir: Q2 '26
Kuartal berakhir 2026-06-30. Dibandingkan dengan kuartal yang sama tahun lalu dan konsensus analis sebelum laporan.
Kuartal vs tahun lalu
| Q2 '26 | Tahun lalu | Perubahan | |
|---|---|---|---|
| Pendapatan | $4,88 M | $2,86 M | +70,4% |
| Margin kotor | 100,0% | 10,9% | +89,1 poin |
| Laba operasional | $383 jt | -$230 jt | +266,2% |
| Margin operasional | 7,8% | -8,0% | +15,9 poin |
| Laba bersih | $362 jt | -$228 jt | +258,4% |
| EPS dilusian | $1,10 | -$0,84 | +231,0% |
| Arus kas operasional | $2,05 M | $509 jt | +302,2% |
| Capex | $11,8 jt | $9,28 jt | +26,8% |
| Arus kas bebas | $2,04 M | $500 jt | +307,3% |
| R&D | $0 | $0 | – |
| Kompensasi berbasis saham | $20,7 jt | $24,1 jt | -14,3% |
Dilaporkan vs konsensus
2026-08-06| Aktual | Konsensus | vs konsensus | |
|---|---|---|---|
| Pendapatan | $4,79 M | $4,73 M | +1,3% |
| EPS (basis konsensus) | $1,10 | $0,40 | +173,0% |
Dari laporan 2026-08-06 untuk Q2 '26: pendapatan dan EPS yang diperkirakan analis (sering disesuaikan), sehingga bisa berbeda dari EPS laporan keuangan di atas.
EPS vs konsensus
8 laporan terakhirPendapatan
Dari mana uang berasal - menurut lini bisnis dan wilayah, kuartal demi kuartal.
Pendapatan, laba operasional, dan pertumbuhan
kuartalanMargin & struktur biaya
Berapa bagian dari setiap unit pendapatan yang tersisa di tiap tingkat - dan ke mana biaya mengalir.
Margin
kuartalanBiaya sebagai % pendapatan
kuartalanArus kas & alokasi modal
Kas yang dihasilkan, untuk apa kas itu digunakan, dan apa yang sampai ke pemegang saham.
Arus kas operasional, capex, arus kas bebas
kuartalanPenggunaan kas vs arus kas operasional
tahun fiskal4 kuartal terakhir
laporan arus kas- Arus kas operasional
- $4,37 M
- Capex
- -$38,6 jt
- Buyback
- $0
- Dividen
- $0
- Akuisisi
- $0
- Utang neto diterbitkan
- $348 jt
- Kompensasi berbasis saham
- $75,2 jt
- Arus kas bebas
- $4,33 M
- Dikembalikan ke pemegang saham / FCF
- -0,0%
Jumlah saham dan EPS
kuartalan, dilusianNeraca
Likuiditas, investasi, dan utang pada akhir setiap kuartal.
Kas, investasi, dan utang
akhir kuartalValuasi & imbal hasil
Multiple saat ini dibandingkan lima tahun fiskal terakhir perusahaan itu sendiri; target dan peringkat analis.
Multiple dan imbal hasil
TTM vs 5 tahun fiskal| Sekarang | Rata-rata 5 th | Posisi saat ini dalam rentang 5 tahun | |
|---|---|---|---|
| P/E (TTM) | 17,8× | 122,2× 1 dari 5 tahun | 122,2× – 122,2× |
| EV / EBITDA | 6,7× | 11,9× 2 dari 5 tahun | 1,3× – 22,4× |
| EV / Penjualan | 0,3× | 0,1× 4 dari 5 tahun | 0,1× – 0,2× |
| Harga / FCF | 1,8× | 2,8× 3 dari 5 tahun | 1,5× – 3,6× |
| Harga / Nilai buku | 4,5× | 2,2× | 0,6× – 3,9× |
| Imbal hasil FCF | 55,1% | 19,0% | -14,8% – 67,2% |
| Imbal hasil modal yang diinvestasikan | 23,0% | -20,7% | -39,1% – 2,7% |
| Imbal hasil ekuitas | 38,5% | -37,2% | -68,1% – 2,5% |
Analis
Target konsensus $37,43 (+23,2%)
rentang $20,00 – $49,00 · peringkat Hold
Beli kuat0
Beli4
Tahan8
Jual1
Jual kuat0
Prospek
Konsensus analis untuk tahun fiskal mendatang dan implikasinya pada harga saat ini.
Estimasi konsensus
| Tahun fiskal | Pendapatan | Pertumbuhan | EPS | Pertumbuhan | P/E pada harga saat ini | Analis (EPS) |
|---|---|---|---|---|---|---|
| FY2026 | $18,6 M | +59,3% | $1,93 | +214,4% | 15,7× | 6 |
| FY2027 | $20,9 M | +11,9% | $2,39 | +23,4% | 12,7× | 6 |
| FY2028 | $24,5 M | +17,6% | $2,89 | +20,9% | 10,5× | 6 |
| FY2029 | $32,5 M | +32,4% | $4,02 | +39,3% | 7,6× | 3 |
| FY2030 | $37,5 M | +15,4% | $4,85 | +20,6% | 6,3× | 2 |
Laporan keuangan
Setiap baris laporan laba rugi, neraca, dan laporan arus kas - 12 kuartal dan 10 tahun fiskal, sebagai nilai, % pendapatan, atau pertumbuhan.
Semua pos yang dilaporkan
Semua 215 angka yang ditandai Oscar Health, Inc. dalam laporan 10-Q / 10-K terbarunya, dengan label dan definisi resmi SEC - termasuk catatan (sewa, pajak, buyback, karyawan, ...).
| Pos (label SEC) | Kuartal terakhir | Tahun lalu | yoy | FY terakhir | FY sebelumnya | yoy |
|---|---|---|---|---|---|---|
| Accounts Payable and Accrued Liabilities, Current | $526 jt | $584 jt | -10,0% | $650 jt | $432 jt | +50,2% |
| Accounts Receivable, after Allowance for Credit Loss, Current | $380 jt | – | – | – | – | – |
| Accounts Receivable, Allowance for Credit Loss, Current | $55,3 jt | – | – | – | – | – |
| Accretion (Amortization) of Discounts and Premiums, Investments | $8,21 jt | $7,99 jt | +2,7% | $29,8 jt | $26,9 jt | +10,8% |
| Accrued Investment Income Receivable | $46,6 jt | $21,8 jt | +113,8% | $20,2 jt | $19,8 jt | +2,0% |
| Accumulated Depreciation, Depletion and Amortization, Property, Plant, and Equipment | $142 jt2025-12-31 | $114 jt | +24,1% | $142 jt | $114 jt | +24,1% |
| Accumulated Other Comprehensive Income (Loss), Net of Tax | -$8,25 jt | $13,7 jt | -160,1% | $18 jt | -$1,83 jt | +1.086,9% |
| Additional Paid in Capital | $4,32 M | $3,95 M | +9,2% | $4,26 M | $3,87 M | +10,0% |
| Amortization of Debt Issuance Costs | $1,15 jt | $195 rb | +488,7% | $1,63 jt | $778 rb | +109,5% |
| Antidilutive Securities Excluded from Computation of Earnings Per Share, Amount | 648 rb | 70,2 jt | -99,1% | 47,7 jt | 38,2 jt | +24,6% |
| Assets | $11,2 M | $6,38 M | +75,9% | $6,33 M | $4,84 M | +30,7% |
| Assets, Current | $9,37 M | $4,31 M | +117,3% | $4,61 M | $2,85 M | +62,1% |
| Assets, Fair Value Disclosure | $6,27 M | – | – | $2,74 M | $2,54 M | +7,8% |
| Assumed Premiums Earned | -$679 rb | $15,6 jt | -104,3% | $46,6 jt | $220 jt | -78,8% |
| Benefits, Losses and Expenses | $4,49 M | $3,09 M | +45,2% | $12,1 M | $9,12 M | +32,6% |
| Cash and Cash Equivalents, at Carrying Value | $4,08 M | $2,6 M | +56,8% | $2,77 M | $1,53 M | +81,7% |
| Cash and Cash Equivalents, Fair Value Disclosure | $189 jt | – | – | $49,6 jt | $95,3 jt | -48,0% |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents | $4,1 M | $2,62 M | +56,3% | $2,8 M | $1,55 M | +80,8% |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, Period Increase (Decrease), Including Exchange Rate Effect | -$729 jt | $363 jt | -300,8% | $1,25 M | -$341 jt | +467,6% |
| Comprehensive Income (Loss), Net of Tax, Attributable to Noncontrolling Interest | $20 rb | -$130 rb | +115,4% | $248 rb | $689 rb | -64,0% |
| Comprehensive Income (Loss), Net of Tax, Attributable to Parent | $349 jt | -$224 jt | +255,4% | -$423 jt | $22,3 jt | -1.998,5% |
| Comprehensive Income (Loss), Net of Tax, Including Portion Attributable to Noncontrolling Interest | $349 jt | -$224 jt | +255,4% | -$423 jt | $23 jt | -1.940,5% |
| Current Federal Tax Expense (Benefit) | – | – | – | $3,06 jt | $2,22 jt | +37,9% |
| Current Income Tax Expense (Benefit) | – | – | – | $3,16 jt | $9,64 jt | -67,3% |
| Current State and Local Tax Expense (Benefit) | – | – | – | $97 rb | $7,42 jt | -98,7% |
| Current Year Claims and Claims Adjustment Expense | $3,87 M | $2,61 M | +48,1% | $10,3 M | $7,61 M | +36,0% |
| Debt Securities, Available-for-sale | $6,08 M | $2,78 M | +118,5% | $2,69 M | $2,44 M | +10,2% |
| Debt Securities, Available-for-sale, Accumulated Gross Unrealized Gain, before Tax | $1,7 jt | $16,9 jt | -90,0% | $18,6 jt | $7,98 jt | +133,6% |
| Debt Securities, Available-for-sale, Accumulated Gross Unrealized Loss, before Tax | $10,2 jt | $2,72 jt | +276,8% | $615 rb | $9,83 jt | -93,7% |
| Debt Securities, Available-for-sale, Amortized Cost | $6,09 M | $2,77 M | +119,9% | $2,67 M | $2,44 M | +9,3% |
| Debt Securities, Available-for-Sale, Amortized Cost, Maturity, Allocated and Single Maturity Date, after Year 5 Through 10 | $70,1 jt | $106 jt | -33,8% | $82 jt | $0 | – |
| Debt Securities, Available-for-Sale, Amortized Cost, Maturity, Allocated and Single Maturity Date, after Year One Through Five | $1,53 M | $1,73 M | -11,1% | $1,37 M | $1,82 M | -24,4% |
| Debt Securities, Available-for-Sale, Amortized Cost, Maturity, Allocated and Single Maturity Date, Year One | $4,48 M | $936 jt | +378,7% | $1,21 M | $623 jt | +94,6% |
| Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, 12 Months or Longer | $19,8 jt | $0 | – | $40,8 jt | $47,7 jt | -14,6% |
| Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss | $310 rb | $0 | – | $120 rb | $25 rb | +380,0% |
| Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, 12 Months or Longer, Number of Positions | 2 security | 0 security | – | 5 security | 6 security | -16,7% |
| Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months | $3,32 M | $760 jt | +336,9% | $348 jt | $877 jt | -60,4% |
| Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss | $9,92 jt | $2,72 jt | +265,4% | $495 rb | $9,8 jt | -95,0% |
| Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months, Number of Positions | 605 security | 243 security | +149,0% | 107 security | 301 security | -64,5% |
| Debt Securities, Available-for-sale, Current | $4,48 M | $938 jt | +377,5% | $1,22 M | $624 jt | +94,8% |
| Debt Securities, Available-for-Sale, Fair Value, Maturity, Allocated and Single Maturity Date, after Year 5 Through 10 | $69,6 jt | $107 jt | -34,9% | $82,8 jt | $0 | – |
| Debt Securities, Available-for-Sale, Fair Value, Maturity, Allocated and Single Maturity Date, after Year One Through Five | $1,53 M | $1,74 M | -12,0% | $1,39 M | $1,81 M | -23,6% |
| Debt Securities, Available-for-Sale, Fair Value, Maturity, Allocated and Single Maturity Date, Year One | $4,48 M | $938 jt | +377,5% | $1,22 M | $624 jt | +94,8% |
| Debt Securities, Available-for-sale, Noncurrent | $1,6 M | $1,85 M | -13,3% | $1,47 M | $1,82 M | -19,0% |
| Deferred Federal Income Tax Expense (Benefit) | – | – | – | $38 rb | $73 rb | -47,9% |
| Deferred Income Tax Expense (Benefit) | -$1,53 jt | -$36 rb | -4.141,7% | $2,45 jt | -$2,34 jt | +204,7% |
| Deferred State and Local Income Tax Expense (Benefit) | – | – | – | $2,41 jt | -$2,41 jt | +200,0% |
| Deferred Tax Assets, Gross | $727 jt2025-12-31 | $605 jt | +20,1% | $727 jt | $605 jt | +20,1% |
| Deferred Tax Assets, Net | $590 rb2025-12-31 | $3,04 jt | -80,6% | $590 rb | $3,04 jt | -80,6% |
| Deferred Tax Assets, Net of Valuation Allowance | $30,2 jt2025-12-31 | $14,1 jt | +114,2% | $30,2 jt | $14,1 jt | +114,2% |
| Deferred Tax Assets, Operating Loss Carryforwards | $624 jt2025-12-31 | $525 jt | +18,9% | $624 jt | $525 jt | +18,9% |
| Deferred Tax Assets, Other | $14,1 jt2025-12-31 | $5,93 jt | +138,5% | $14,1 jt | $5,93 jt | +138,5% |
| Deferred Tax Assets, Property, Plant and Equipment | $02025-12-31 | $7,97 jt | -100,0% | $0 | $7,97 jt | -100,0% |
| Deferred Tax Assets, Tax Deferred Expense, Compensation and Benefits, Employee Bonuses | $6,41 jt2025-12-31 | $7,65 jt | -16,2% | $6,41 jt | $7,65 jt | -16,2% |
| Deferred Tax Assets, Tax Deferred Expense, Compensation and Benefits, Share-based Compensation Cost | $2,4 jt2025-12-31 | $2,82 jt | -14,9% | $2,4 jt | $2,82 jt | -14,9% |
| Deferred Tax Assets, Tax Deferred Expense, Reserves and Accruals, Policyholder Liabilities | $30,4 jt2025-12-31 | $27,3 jt | +11,3% | $30,4 jt | $27,3 jt | +11,3% |
| Deferred Tax Assets, Tax Deferred Expense, Reserves and Accruals, Unearned Premiums Reserve | $7,59 jt2025-12-31 | $3,37 jt | +125,1% | $7,59 jt | $3,37 jt | +125,1% |
| Deferred Tax Assets, Valuation Allowance | $696 jt2025-12-31 | $591 jt | +17,9% | $696 jt | $591 jt | +17,9% |
| Deferred Tax Liabilities, Gross | $29,6 jt2025-12-31 | $11,1 jt | +167,7% | $29,6 jt | $11,1 jt | +167,7% |
| Deferred Tax Liabilities, Investments | $9,07 jt2025-12-31 | $5,13 jt | +76,7% | $9,07 jt | $5,13 jt | +76,7% |
Sumber: SEC companyfacts (XBRL setiap 10-Q / 10-K). Kuartal arus kas dihitung dari angka kumulatif tahun berjalan yang ditandai dalam 10-Q. Rincian segmen ditandai dengan dimensi dan ditampilkan di bagian segmen.
Sumber
Laporan keuangan, pendapatan segmen, metrik, dan estimasi distandardisasi dari laporan perusahaan. Laba segmen dan setiap pos yang dilaporkan: SEC EDGAR (XBRL). Laporan yang dibaca: 10-Q 2026-06-30, 10-Q 2026-03-31, 10-K 2025-12-31, 10-Q 2025-09-30, 10-Q 2025-06-30, 10-Q 2025-03-31, 10-K 2024-12-31, 10-Q 2024-09-30, 10-Q 2024-06-30
Data per 2026-11-02