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Just finished my full Oscar Health (OSCR) conviction doc after spending the last month researching the stock. I think the market is wrong about Oscar. It still sees the company as an unprofitable insurer coming off a rough 2025, while I think 2025 was a reset year and 2026 is setting up much better. To me, this is an asymmetric bet at its current valuation. Make sure to punch holes in my thesis though https://docs.google.com/document/d/1WGE17yxPJ2sgeUeWHbqPOf3C7Q546IJuxQE1hApqqnc/edit?usp=sharing

Links:

• https://docs.google.com/document/d/1WGE17yxPJ2sgeUeWHbqPOf3C7Q546IJuxQE1hApqqnc/edit?usp=sharing
• https://docs.google.com/document/d/1WGE17yxPJ2sgeUeWHbqPOf3C7Q546IJuxQE1hApqqnc/edit?usp=sharing
• https://lh7-us.googleusercontent.com/docs/AHkbwyKH6wKXtqWJXxrW2p2WfsP2d0TiiDUZiPqQRhYaterAuHeQncDKquvylqX-HrM3WMZjM971j_WV1RzNrKZ_vOiAo7R8OnfIPTnzxRpUN0ykoW5YkJZM=w1200-h630-p

u/Jayse Yoder · 2026-04-17T19:07:06.371Z