Oscar Health Inc. (OSCR) — RQD Stock Rating Cockpit

Per the Roarable RQD rating, OSCR scores 53 out of 100, equating to a letter grade of D+ and the verdict label "Roarable Sell — Weak Fundamentals / Trim." The fundamental cash engine pillar scores 8/20, reflecting ROIC of -35% alongside an FCF yield of 11.51%; the positive FCF yield contrasts sharply with negative returns on invested capital, so an investor should weigh cash generation against value destruction on the capital base. The whale 13F flow pillar scores 11/20 for institutional accumulation and options positioning, indicating only moderate institutional support. The insider conviction pillar scores 13/20 based on SEC Form 4 and Congressional PTR cluster flow, a middling reading. The macro regime fit pillar scores 13/20, with beta of 0.97 suggesting market-like sensitivity. The forensic balance sheet pillar scores 8/20, reflecting Altman Z of 0.45, Piotroski F of 6/9, and Debt/Equity of 0.44; the low Altman Z sits in a range that warrants caution regarding financial distress risk. Taken together, the sub-60 composite and weak fundamental and forensic pillars translate to limited margin of safety for a prospective investor evaluating the stock at current levels. Upside drivers would need to come from sustained operating improvement, and the rating frames the current setup as weak rather than compelling.

Oscar Health Inc. is a NYSE-listed issuer in the Health Care sector and Medical Specialities industry, per the company profile. The source data does not describe its products, customers, or revenue model beyond sector and industry classification. Market capitalization is listed at $9.5B. Revenue reported in the SEC financials is small relative to the company's cash and cash flow figures, but the source data does not explain the business mix.

Per the SEC financials, FY 2025 shows an operating loss and net loss after a profitable FY 2024, with operating margin at -60% and net margin at -60% per the market data. Per the Roarable RQD rating, ROIC is -35%, and the Altman Z-Score is 0.45 and Piotroski F-Score is 6/9. Debt/Equity is 0.44 per the forensic balance sheet pillar, and the SEC financials show debt of $430.1M against cash of $2774.2M in FY 2025.

Per the recent news feed, six items reference OSCR, with headlines from Yahoo Finance, TradingView, and ChartMill. Three items are tagged CATALYST with GREEN signal, referencing a "raised 2026 outlook," "new plans roll out," and "growth surges," though the summaries are generic descriptions of market action and institutional positioning. Two items are tagged MARKET WIRE with YELLOW signal, including one headline stating the stock "sinks as market gains." Risk watch items per the feed include the stock move and valuation-related framing. The Butterfly supply-chain graph shows no supply-chain links and no proprietary signals.

Per the Butterfly Supply-Chain Graph, supply chain status is NONE, with no butterfly links and no proprietary signals in the sector of Health Care and industry of Medical Specialities. Upstream and downstream dependencies, sector correlations, and second-order bottlenecks are therefore not available in source data. Beta of 0.97 per the market data is the only sensitivity measure supplied.

• What drives the gap between FY 2024 net income of $25.4M and FY 2025 net loss of $-443.2M, and is the FY 2025 loss a recurring pattern?
• Why is the EPS for each reported fiscal year listed as N/A, and what is the basis for the EPS (TTM) of -1.44?
• What explains the swing in cash from $1527.2M to $2774.2M and the FCF of $1093.6M given negative operating income?
• What are the company's revenue sources, given reported revenue of $28.6M against a $9.5B market capitalization?
• What is the P/E (TTM) and EV/EBITDA, which are not available in source data?