NYSE$OSCR

Oscar Health Inc · Q1 2024 earnings

Q1 2024 earnings · · Investor relations

Briefing

Oscar Health reported strong first quarter results with year-over-year improvement across all core metrics and achieved positive net income.

Oscar Health, Inc. announced its financial results for the first quarter ended March 31, 2024, with total revenue of $2.1 billion, a 46% increase year-over-year. The company reported a net income attributable to Oscar of $177.4 million, or $0.62 of diluted earnings per share.

  • Total Revenue was $2.1 billion, up 46% year-over-year.
  • Medical Loss Ratio improved to 74.2%, a 210 bps improvement year-over-year.
  • SG&A Expense Ratio significantly improved to 18.4%, an 870 bps improvement year-over-year.
  • Net Income attributable to Oscar was $177.4 million, a significant improvement of $217.1 million year-over-year.

Headline financials

Total Revenue

$2.14B

Previous: $1.47B+45.8%
EPS

$0.62

Previous: -$0.18+444.4%
Medical loss ratio

74.2%

Previous: 76.3%-2.8%
SG&A expense ratio

18.4%

No prior period
Adjusted EBITDA

$219M

No prior period
Total membership

1.4M

No prior period
Capital Expenditures

-$5.95M

No prior period
Free Cash Flow

$177M

Previous: -$39.8M+546.0%
Net Income

$177M

Previous: -$39.8M+546.0%
Operating Income

$186M

Previous: -$25.4M+831.6%
Gross Profit

$589M

Previous: $378M+55.7%
Cash & Equivalents

$2.23B

Previous: $2.11B+5.7%
Total Assets

$4.42B

Previous: $4.48B-1.4%
Stock-Based Comp

$25.9M

Previous: $71.5M-63.7%

Revenue & EPS history

Oscar Health · Revenue · Quarterly

$2.14B

Q1 2024+45.8%vs Q1 2023
Beat estimate in 5 of 15 quarters(33%)
ActualEstimate

Forward guidance

Oscar is reaffirming its full year 2024 outlook across all metrics as provided in its financial results press release dated February 7, 2024.

Historical earnings impact

How earnings announcements have historically affected this stock's price.

Avg. return before/after earnings

Based on 20 quarterly earnings reports · overlaid with Q1 2024

Historical avgQ1 2024

+3.7%

Avg return

Earnings day

+5.6%

Avg return

5 days after

+7.5%

Avg return

30 days after

64%

16 / 25 earnings

Positive

+30.0%

Q1 2025

Best reaction

-23.9%

Q3 2022

Worst reaction

Earnings price reactions
QuarterReport dateReaction (Day 0)+5 days+30 days
Q1 2026+2.7%+22.6%+36.6%
Q4 2025+1.7%+6.0%+2.7%
Q3 2025-2.8%-12.8%-1.5%
Q1 2025+30.0%+28.7%+18.0%
Q4 2024+3.1%-3.7%+4.5%
Q3 2024-12.9%-12.8%+0.4%
Q2 2024+7.2%+4.4%-1.4%
Q1 2024+9.3%+14.1%+2.8%
Q4 2023+22.7%+27.5%+7.7%
Q3 2023+23.5%+24.5%+42.0%
Q2 2023+8.6%+1.9%-10.5%
Q1 2023-8.8%-6.6%+17.8%
Q4 2022+21.0%+36.2%-3.9%
Q3 2022-23.9%-4.5%-11.3%
Q2 2022+19.9%+21.1%-3.7%
Q1 2022-8.9%-2.0%-25.0%
Q4 2019+6.3%+2.5%+39.1%
Q4 2021+2.4%+15.6%+21.9%
Q3 2020-2.4%-6.3%-12.7%
Q3 2021-23.3%-25.2%-33.0%
Q2 2020-16.4%-11.8%+19.4%
Q2 2021-0.9%-12.0%+17.9%
Q4 2020+15.2%+14.5%+23.1%
Q1 2020+15.2%+14.5%+23.1%
Q1 2021+3.6%+4.2%+14.0%

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