Oscar (OSCR) – Tech-Enabled Healthcare with Margin Momentum

Company Snapshot:
Oscar OSCR Health is a technology-focused health insurer leveraging data and digital platforms to deliver affordable, personalized care. Its platform-centric model improves member experience, cost control, and care outcomes—setting it apart in a highly regulated sector.

Key Catalysts:

Steady Execution Under Proven Leadership 🧠

CEO Mark Bertolini (ex-Aetna) brings credibility and strategic clarity, reinforcing investor trust in Oscar’s long-term viability.

Focus remains on operational discipline, risk management, and scalable infrastructure.

2025 Guidance Reaffirmed 📊

Following a solid quarter, Oscar reaffirmed full-year 2025 guidance, projecting margin expansion and sustained growth despite sector headwinds.

Medical loss ratio (MLR) held steady at 75.4%, absorbing a $31M prior-period hit—showing resilience in cost containment.

Robust Financial Flexibility 💰

With $1B+ in free cash flow, Oscar is well-positioned for:

Organic growth in new markets

Potential share buybacks or dividends

Continued investment in digital infrastructure

Investment Outlook:
Bullish Entry Zone: Above $17.00–$17.50
Upside Target: $32.00–$33.00, supported by margin stability, capital strength, and smart execution.

🩺 Oscar is transforming health insurance from reactive to predictive—backed by tech, discipline, and capital strength.

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