$Oscar Health, Inc.(OSCR)$ 🏥 -To The Moon - Tiger Brokers Online Investing Community - To The Moon

$Oscar Health, Inc.(OSCR)$ 🏥 Oscar Health — Inflection Analysis
This is a completed operating turnaround trading like a policy casualty.
Oscar has reached scale profitability as a tech-native ACA insurer, but the stock is being dominated by fear around the 2026 subsidy cliff rather than fundamentals.

📈 Inflection status: CONFIRMED POSITIVE → STABILIZING
Annual momentum remains intact despite near-term policy noise.

Atomic evidence:
• FY25 revenue $11.47B, +28% YoY
• First full year of net income + adj. EBITDA profitability (2024)
• SG&A ratio improved ~520bps via fixed-cost leverage
• Operating cash flow $1.02B achieved in 2024
• Risk adjustment payable $1.68B reflects industry-wide morbidity spike

⚠️ Bottleneck:
APTC renewal uncertainty + elevated morbidity.
💰 Price-conditioned valuation:
At **US$12.66 (9 Feb 2026)**, the market prices in a full subsidy lapse.
Any extension resets valuation materially.

🧠 Verdict: Buy / Monitor. Inflection is real; price is hostage to legislation, not execution.
🤖 AI-assisted analysis
@Tiger_comments @TigerObserver @TigerPicks @TigerStars @TigerWire @Daily_Discussion @Tiger_Earnings

Disclaimer: Investing carries risk. This is not financial advice. The above content should not be regarded as an offer, recommendation, or solicitation on acquiring or disposing of any financial products, any associated discussions, comments, or posts by author or other users should not be considered as such either. It is solely for general information purpose only, which does not consider your own investment objectives, financial situations or needs. TTM assumes no responsibility or warranty for the accuracy and completeness of the information, investors should do their own research and may seek professional advice before investing.

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EBITDA profitability (2024) \n<br>\n• SG&amp;A ratio improved ~520bps via fixed-cost leverage \n<br>\n• Operating cash flow $1.02B achieved in 2024 \n<br>\n• Risk adjustment payable $1.68B reflects industry-wide morbidity spike\n<br>\n<br>\n⚠️ Bottleneck:\n<br>\nAPTC renewal uncertainty + elevated morbidity.\n<br>\n💰 Price-conditioned valuation:\n<br>\nAt **US$12.66 (9 Feb 2026)**, the market prices in a full subsidy lapse.\n<br>\nAny extension resets valuation materially.\n<br>\n<br>\n🧠 Verdict: Buy / Monitor. Inflection is real; price is hostage to legislation, not execution.\n<br>\n🤖 AI-assisted analysis\n<br><a href=\"https://ttm.financial/U/3501196737273098\">@Tiger_comments</a> <a href=\"https://ttm.financial/U/9000000000000439\">@TigerObserver</a> <a href=\"https://ttm.financial/U/9000000000000572\">@TigerPicks</a> <a href=\"https://ttm.financial/U/9000000000000149\">@TigerStars</a> <a href=\"https://ttm.financial/U/3527667670347831\">@TigerWire</a> <a href=\"https://ttm.financial/U/3527667621665671\">@Daily_Discussion</a> <a href=\"https://ttm.financial/U/3527667620927015\">@Tiger_Earnings</a> <img src=\"https://community-static.tradeup.com/news/879842b0a80369f718d33cb0dec49f80\" tg-width=\"2816\" tg-height=\"1536\"></body></html>","htmlText":"<html><head></head><body><a href=\"https://ttm.financial/S/OSCR\">$Oscar Health, Inc.(OSCR)$</a> 🏥 Oscar Health — Inflection Analysis\n<br>\nThis is a completed operating turnaround trading like a policy casualty.\n<br>\nOscar has reached scale profitability as a tech-native ACA insurer, but the stock is being dominated by fear around the 2026 subsidy cliff rather than fundamentals.\n<br>\n<br>\n📈 Inflection status: CONFIRMED POSITIVE → STABILIZING\n<br>\nAnnual momentum remains intact despite near-term policy noise.\n<br>\n<br>\nAtomic evidence:\n<br>\n• FY25 revenue $11.47B, +28% YoY \n<br>\n• First full year of net income + adj. EBITDA profitability (2024) \n<br>\n• SG&amp;A ratio improved ~520bps via fixed-cost leverage \n<br>\n• Operating cash flow $1.02B achieved in 2024 \n<br>\n• Risk adjustment payable $1.68B reflects industry-wide morbidity spike\n<br>\n<br>\n⚠️ Bottleneck:\n<br>\nAPTC renewal uncertainty + elevated morbidity.\n<br>\n💰 Price-conditioned valuation:\n<br>\nAt **US$12.66 (9 Feb 2026)**, the market prices in a full subsidy lapse.\n<br>\nAny extension resets valuation materially.\n<br>\n<br>\n🧠 Verdict: Buy / Monitor. Inflection is real; price is hostage to legislation, not execution.\n<br>\n🤖 AI-assisted analysis\n<br><a href=\"https://ttm.financial/U/3501196737273098\">@Tiger_comments</a> <a href=\"https://ttm.financial/U/9000000000000439\">@TigerObserver</a> <a href=\"https://ttm.financial/U/9000000000000572\">@TigerPicks</a> <a href=\"https://ttm.financial/U/9000000000000149\">@TigerStars</a> <a href=\"https://ttm.financial/U/3527667670347831\">@TigerWire</a> <a href=\"https://ttm.financial/U/3527667621665671\">@Daily_Discussion</a> <a href=\"https://ttm.financial/U/3527667620927015\">@Tiger_Earnings</a> <img src=\"https://community-static.tradeup.com/news/879842b0a80369f718d33cb0dec49f80\" tg-width=\"2816\" tg-height=\"1536\"></body></html>","text":"$Oscar Health, Inc.(OSCR)$ 🏥 Oscar Health — Inflection Analysis This is a completed operating turnaround trading like a policy casualty. Oscar has reached scale profitability as a tech-native ACA insurer, but the stock is being dominated by fear around the 2026 subsidy cliff rather than fundamentals. 📈 Inflection status: CONFIRMED POSITIVE → STABILIZING Annual momentum remains intact despite near-term policy noise. Atomic evidence: • FY25 revenue $11.47B, +28% YoY • First full year of net income + adj. EBITDA profitability (2024) • SG&A ratio improved ~520bps via fixed-cost leverage • Operating cash flow $1.02B achieved in 2024 • Risk adjustment payable $1.68B reflects industry-wide morbidity spike ⚠️ Bottleneck: APTC renewal uncertainty + elevated morbidity. 💰 Price-conditioned valuation: At **US$12.66 (9 Feb 2026)**, the market prices in a full subsidy lapse. Any extension resets valuation materially. 🧠 Verdict: Buy / Monitor. Inflection is real; price is hostage to legislation, not execution. 🤖 AI-assisted analysis @Tiger_comments @TigerObserver @TigerPicks @TigerStars @TigerWire @Daily_Discussion @Tiger_Earnings","highlighted":1,"essential":1,"paper":1,"likeSize":8,"commentSize":0,"repostSize":1,"favoriteSize":0,"link":"https://ttm.financial/post/531277073605688","repostId":0,"isVote":1,"tweetType":1,"viewCount":301,"commentLimit":10,"likeStatus":false,"favoriteStatus":false,"reportStatus":false,"symbols":["OSCR"],"verified":2,"subType":0,"readableState":1,"langContent":"EN","currentLanguage":"EN","warmUpFlag":false,"orderFlag":false,"shareable":true,"causeOfNotShareable":"","featuresForAnalytics":[],"commentAndTweetFlag":false,"andRepostAutoSelectedFlag":false,"upFlag":true,"length":979,"optionInvolvedFlag":false,"xxTargetLangEnum":"ORIG"},"commentList":[],"isCommentEnd":true,"isTiger":false,"isWeiXinMini":false,"url":"/m/post/531277073605688"}