Oscar Health, Inc. — Earnings Quality Grade A
OSCR · Healthcare
Strong financial health
Screening Summary
Management Signals
Financial Trends
Revenue & Net Income ($B)
Margins (%)
18-Point Screening
Revenue Quality
DSO 17 days, change -7 days YoY
AR growth -10.7% vs revenue growth 27.5%
Revenue 27.5%, CFFO 11.9%. Cash follows revenue
Expense Quality
No material inventory
CapEx growth 30.4% vs revenue 27.5%. Normal
Insufficient data
Insufficient data
Cash Flow Quality
CFFO/NI = -2.47. Below 1.0
FCF $1.1B, FCF/NI = -2.39
Accruals ratio = -24.3%. Low accruals
Cash $4.0B covers debt $0.4B
Balance Sheet Health
No goodwill. Clean balance sheet
Insufficient data
Insufficient data
No write-off data
Acquisition Risk
FCF after acquisitions positive
No goodwill
Manipulation Score
Insufficient data
Portfolio monitoring
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Altman Z-Score
Generated from public financial data using forensic accounting frameworks. Not investment advice. Data: Yahoo Finance · 2026-04-25