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Oscar Health OSCR Q3 2025 earnings

Reported November 6, 2025 · Before market open

Revenue$3.0BMiss by $66.5M
EPS-$0.53Beat by $0.02
Revenue estimate$3.1B
EPS estimate-$0.55

Next report

Aug 6, 2026 (In 1 week)
Revenue estimate$4.7B
EPS estimate$0.34

Financials

Q3 2025

Income statement

See full
Revenue$3.0B+23.2%
Operating income-$129.3M-167%
Net income-$137.5M-152%
EPS (diluted)-$0.53-141%

Balance sheet

See full
Cash & equivalents$2.2B+76.4%
Total debt$686.3M+129%
Total equity$1.0B-11.9%
Total assets$5.7B+28.2%

Cash flow

See full
CapEx$9.0M+19.0%

Valuation & ratios

Valuation

as of 09/30/25
See full
Market cap$4.89B-3.3%
Enterprise value$3.41B-17.5%
P/S0.4×-0.2×

Returns & leverage

See full
Debt / equity0.7×+0.4×
Current ratio0.9×+0.1×

Versus estimates

Revenue

Q1 2026$4.6BMiss by $316.6MQ4 2025$2.7BMiss by $376.7M
Q3 2025$3.0BMiss by $66.5M
Q2 2025$2.9BMiss by $209.4MQ1 2025$3.0BBeat by $268.0MQ4 2024$2.4BMiss by $433.4M

Diluted EPS

Q1 2026$2.07Beat by $0.86Q4 2025-$1.24Miss by $0.32
Q3 2025-$0.53Beat by $0.02
Q2 2025-$0.89Beat by $0.01Q1 2025$0.92Beat by $0.09Q4 2024-$0.62Miss by $0.07

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Questions, answered.

When did Oscar Health report Q3 2025 earnings?
Oscar Health (OSCR) reported Q3 2025 earnings on November 6, 2025 before market open.
What were Oscar Health's Q3 2025 revenue and EPS?
Oscar Health reported revenue of $3.0B and eps of $-0.53 for Q3 2025.
Did Oscar Health beat estimates in Q3 2025?
Revenue missed the consensus estimate of $3.1B by $66.5M. EPS beat the consensus estimate of $-0.55 by $0.02.
How did Oscar Health's Q3 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 23.2% from $2.4B a year earlier and eps declined 140.9% from $-0.22.
Where can I find Oscar Health's Q3 2025 SEC filings?
You can read the 8-K earnings release (0001568651-25-000035) and the 10-Q periodic report (0001568651-25-000037) directly on SEC EDGAR. The filing index links above go to sec.gov.