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Oscar Health OSCR Title Insurance Product Line — Benefits payable

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LTR
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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$8.56B+4.0%
Enterprise value$4.16B-174%
P/S0.6×-0.2×

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 official record: Oscar Health’s 10-K, filed February 13, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

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?
The total amount of money the company expects to pay out for insurance claims that have occurred but have not yet been settled.
How do you interpret title insurance product line — benefits payable?
An increase in benefits payable may indicate rising claim frequency or severity, while a decrease could suggest improved risk management or a reduction in the volume of active policies. Significant fluctuations may signal a need to adjust premium pricing or reserve adequacy assumptions.
How does title insurance product line — benefits payable compare across companies?
Peers in the insurance industry report similar metrics as 'Loss and Loss Adjustment Expense Reserves,' which are evaluated based on reserve development patterns and the ratio of reserves to earned premiums.