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Oscar Health OSCR Title Insurance Product Line — Benefits payable

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Other financials

Income statement

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Revenue$4.6B+52.6%
Operating income$704.1M+137%
Net income$679.0M+147%
EPS (diluted)$2.07+125%

Balance sheet

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Cash & equivalents$4.8B+114%
Total debt$430.9M+43.7%
Total equity$1.7B+24.8%
Total assets$9.3B+59.0%

Cash flow

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Operating cash flow$2.6B+198%
CapEx$8.8M-2.6%
Free cash flow$2.6B+200%

Valuation

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Market cap$9.08B+149%
Enterprise value$4.68B+252%
P/S0.7×+0.3×

Profitability

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Operating margin0.1%
Net margin-0.3%
FCF margin-8.2%

Returns & leverage

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Return on equity-2.6%
Debt / equity0.3×0.0×
Current ratio1.1×+0.2×

Where this comes from

Reported directly by Oscar Health in its filing.

Tagged under the XBRL concept us-gaap:LiabilityForClaimsAndClaimsAdjustmentExpense.

The source filing: Oscar Health’s 10-K, filed February 13, 2026.

Filed
Feb 13, 2026, 4:27 PM EST
Fiscal year
FY2025
Accession
0001568651-26-000011

The Company also records, as part of benefits payable, an estimate of the ultimate liability for actual and potential claims disputes by providers based on an analysis of historical per member per month (“PMPM”) dispute experience supplemented with current information on reported disputes. Since these liabilities are part of the overall claim reserve, they are proportionally ceded under the Company's reinsurance agreements for historical policy years with contracts in force. The disputed claim reserves included as part of the benefits payable balance was approximately $221.8 million and $183.7 million as of December 31, 2025 and 2024, respectively.

Item 8. Financial Statements and Supplementary Data

FAQ

What is Oscar Health's title insurance product line — benefits payable?
Oscar Health (OSCR) reported title insurance product line — benefits payable of $221.8M in Q4 2025.
What does title insurance product line — benefits payable mean?
This metric represents the total estimated liability for claims that have been reported but not yet paid, as well as claims incurred but not yet reported, specifically related to the title insurance product line. It serves as a critical reserve balance that ensures the company can meet its future obligations to policyholders for covered losses. Monitoring this balance is essential for assessing the actuarial accuracy of claim projections and the overall financial health of the specific insurance segment.

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