Core Insights - Oscar Health Inc. (NYSE:OSCR) has seen significant stock performance, increasing by 7.88% to $21.77 following the launch of a new menopause health plan and AI tools [1][3] Product Launch - Oscar Health has partnered with Elektra Health to introduce HelloMeno, an insurance product designed for 2.3 million women over 45, focusing on perimenopause and menopause management [2] - The new product is priced at $900 annually and includes free consultations, behavioral visits, laboratory tests, and medications [3] AI Integration - Oscar Health has introduced an AI agent named Oswell, which provides on-demand support to doctors and members [4] - Oswell can access medical records and plan benefit documents to assist members with understanding medications, explaining test results, checking drug interactions, and more [4]

Core Insights - Artificial intelligence (AI) is identified as the greatest investment opportunity of the current era, with a strong emphasis on the urgent need for energy to support its growth [1][2][3] - A specific company is highlighted as a key player in the AI energy sector, owning critical energy infrastructure assets that are essential for meeting the increasing energy demands of AI technologies [3][7] Investment Landscape - Wall Street is investing hundreds of billions into AI, but there is a pressing concern regarding the energy supply needed to sustain this growth [2] - AI data centers, such as those powering large language models, consume energy equivalent to that of small cities, indicating a significant strain on global power grids [2] Company Profile - The company in focus is not a chipmaker or cloud platform but is positioned as a crucial player in the energy sector, set to benefit from the rising demand for electricity driven by AI [3][6] - It owns significant nuclear energy infrastructure, making it integral to America's future power strategy [7] Financial Position - The company is noted for being debt-free and holding cash reserves that amount to nearly one-third of its market capitalization, providing a strong financial foundation [8] - It is trading at less than 7 times earnings, suggesting it is undervalued compared to its potential [10] Market Trends - The company is positioned to capitalize on the onshoring trend driven by tariffs, as well as the surge in U.S. LNG exports under the current administration [5][14] - There is a growing recognition on Wall Street of this company's potential, as it quietly benefits from multiple market tailwinds without the high valuations typical of other energy firms [8][9] Future Outlook - The influx of talent into the AI sector is expected to drive continuous innovation and advancements, reinforcing the importance of investing in AI-related infrastructure [12] - The company is seen as a strategic investment opportunity, with potential for significant returns as the demand for AI and energy infrastructure continues to grow [15][19]

Core Insights - Elektra Health and Oscar Health have launched the first-ever menopause health plan, HelloMeno, in the ACA marketplace, aimed at providing comprehensive care for midlife women [1][2][4] Company Overview - Elektra Health is a virtual healthcare provider focused on personalized medical care for over 50 million midlife women in the U.S. navigating menopause, combining virtual care with educational resources [5] - Oscar Health is a healthcare technology company that aims to make healthcare accessible and affordable, offering individual and family plans with a focus on member engagement [6][7] Product Details - HelloMeno is designed for women over 45, providing access to clinical care, education, and support, potentially saving them up to $900 a year [2][3] - The plan includes comprehensive coverage for the whole family, with benefits specifically tailored for women experiencing menopause, emphasizing early intervention and high-value treatments [3][4] Enrollment Information - Enrollment for HelloMeno will be open from November 1, 2025, to January 15, 2026, with the plan effective from January 1, 2026, available in several states including Arizona, Florida, and Texas [4]

Company Performance - Oscar Health, Inc. (OSCR) closed at $21.03, reflecting a +1.74% increase from the previous day, outperforming the S&P 500's daily loss of 0.63% [1] - Prior to the latest trading session, shares had gained 16.32%, contrasting with the Finance sector's loss of 0.83% and the S&P 500's gain of 0.92% [1] Upcoming Earnings - The company's earnings report is scheduled for November 6, 2025, with an expected EPS of -$0.55, representing a 150% decline from the prior-year quarter [2] - The Zacks Consensus Estimate projects net sales of $3.09 billion, indicating a 27.51% increase from the year-ago period [2] Full Year Projections - For the full year, the Zacks Consensus Estimates forecast earnings of -$1.42 per share and revenue of $12.06 billion, reflecting changes of -1520% and +31.44% respectively from the prior year [3] Analyst Estimates - Recent changes to analyst estimates for Oscar Health, Inc. are important as they reflect short-term business trends [4] - Positive revisions in estimates indicate analysts' confidence in the company's performance and profit potential [4] Zacks Rank System - The Zacks Rank system, which ranges from 1 (Strong Buy) to 5 (Strong Sell), has a history of outperforming, with 1 stocks returning an average annual gain of +25% since 1988 [6] - Over the last 30 days, the Zacks Consensus EPS estimate for Oscar Health, Inc. has decreased by 0.23%, and the company currently holds a Zacks Rank of 4 (Sell) [6] Industry Overview - Oscar Health, Inc. operates within the Insurance - Multi line industry, which is part of the Finance sector [7] - The current Zacks Industry Rank for this sector is 68, placing it in the top 28% of over 250 industries [7]

Core Insights - Oscar Health, Inc. (OSCR) stock closed at $20.69, reflecting a +1.42% change from the previous day, outperforming the S&P 500's loss of 0.16% [1] - The company experienced an 8.92% increase in shares over the past month, surpassing the Finance sector's decline of 1.81% and the S&P 500's gain of 1.14% [1] Earnings Expectations - Oscar Health is set to release its earnings report on November 6, 2025, with analysts predicting a loss of -$0.55 per share, indicating a year-over-year decline of 150% [2] - Revenue is expected to reach $3.09 billion, representing a 27.51% increase compared to the same quarter last year [2] Full-Year Estimates - The Zacks Consensus Estimates for Oscar Health's full-year performance forecast earnings of -$1.42 per share and revenue of $12.06 billion, reflecting year-over-year changes of -1520% and +31.44%, respectively [3] Analyst Sentiment - Recent changes in analyst estimates suggest a positive outlook on Oscar Health's business operations and profit generation capabilities [4] - The Zacks Rank system, which incorporates these estimate revisions, indicates a current rank of 3 (Hold) for Oscar Health, with no changes in the EPS estimate over the past month [6] Industry Context - Oscar Health operates within the Insurance - Multi line industry, which holds a Zacks Industry Rank of 76, placing it in the top 31% of over 250 industries [7] - The Zacks Industry Rank assesses the performance potential of industry groups based on the average Zacks Rank of individual stocks, with top-rated industries outperforming lower-rated ones by a factor of 2 to 1 [7]

Core Insights - The article introduces Charles Aractingi as a new contributing analyst for Seeking Alpha, inviting others to share their investment ideas [1] Group 1 - The analyst has a multidisciplinary focus on Politics, Philosophy, Economics, Law, and Finance, with three years of investment experience [2] - Research will center around the healthcare and technology sectors, particularly emerging and disruptive technologies [2] - A bottom-up research approach is employed, considering both qualitative and quantitative factors, including key revenue drivers and reasons for unprofitability [2] Group 2 - The analyst emphasizes the importance of management teams in creating customer value and addressing risks honestly [2] - There is a focus on businesses with clear visions and strong execution capabilities [2] - The purpose of the analysis is to provide insights on potential investment opportunities and receive feedback from others [2]

Core Insights - Oscar Health is a $5 billion digital health-insurance company expected to achieve profitability from 2023 to 2026, but analysts have downgraded their EPS forecast from a profit of $0.61 to a loss of $1.42 in recent months [1] - Next year's profit projection has also shifted from a profit of $0.54 to a loss of $0.67, while revenue consensus remains unchanged at $11.26 billion, indicating a 6.6% decline compared to this year's guidance [2] Competitive Landscape - Oscar Health faces competition from both technology-driven startups and established legacy providers, including Clover Health, Bright Health, Lemonade, NeueHealth, and Sidecar Health, all of which emphasize digital-first, member-centric insurance models [3] - The company also competes against traditional insurers like UnitedHealthcare, Blue Cross Blue Shield, and CNO Financial, highlighting a diverse competitive landscape that includes specialized insurtech firms and large payors with significant market presence [4] Market Reaction - Following the 2025 guidance update, Oscar's shares increased from $13 to $23, reflecting investor optimism despite the downward revision in profit outlook [4] - Analyst price targets have been adjusted upward, with the average target around $11, indicating over 50% downside potential, while Wells Fargo recently raised its target from $10 to $14 but maintained an Underweight rating [5] - Oscar shares have surged 75% since the revenue guidance increase, yet analysts have revised their profit forecasts downward, projecting losses instead [6]

Core Insights - Oscar Health, Inc. will release its third quarter 2025 financial results on November 6, 2025, before the market opens [1] - A conference call to discuss these results will take place at 8:00 AM (ET) on the same day [1] Company Overview - Oscar Health is a leading healthcare technology company founded in 2012, focused on making healthcare accessible and affordable [2] - The company serves approximately 2.0 million members as of June 30, 2025, through its Individual & Family plans and health technology solutions [2]

Market Overview - SMID cap growth equities saw significant gains in Q3 2025, with the Russell 2500 Growth Index increasing by 10.7% [2] - The supportive policy backdrop included a Federal Reserve rate cut, a reconciliation/tax bill, and trade deals that reduced tariffs compared to April levels [2] - The performance of SMID growth equities was comparable to large cap peers, with the Russell 1000 Growth Index rising by 10.5% and the Russell 2000 Growth Index returning 12.2% [2] Policy Environment - The policy environment became more predictable and supportive for consumers and businesses, leading to renewed confidence in capital allocation and investment decisions [3] - This shift positively impacted sectors like industrials and health care, where balance sheet strength and visible growth pipelines are key differentiators [3] Investment Landscape - Despite an improved environment, investors remained selective, particularly in consumer-sensitive industries and those facing AI disintermediation risks [4] - Many small- and mid-cap growth companies are still navigating a bottoming process, with uneven demand trends and cost pressures acting as headwinds [4] Portfolio Performance - The ClearBridge SMID Cap Growth Strategy underperformed its benchmark in Q3, with strong contributions from health care and select industrials offset by weakness in information technology and consumer discretionary sectors [5] - Notable performers included Medpace, Insmed, and Doximity in health care, while Chewy and Wingstop faced challenges in consumer discretionary [7] Portfolio Positioning - The strategy focused on adding innovative growth companies with large addressable markets, initiating positions in Avidity Biosciences and Kratos Defense [9][10] - Exited positions included Globant due to geopolitical concerns and volatility from AI adoption risks [11] Outlook - SMID cap growth stocks face near-term headwinds from consumer spending and technological advances favoring mega-cap AI beneficiaries [12] - However, Fed easing and greater policy clarity create a more constructive environment for growth execution [12] - The potential for re-acceleration in depressed subsegments of the SMID growth market is anticipated, with a focus on innovative businesses with strong balance sheets [13] Portfolio Highlights - The ClearBridge SMID Cap Growth Strategy had positive contributions from seven of the ten sectors invested, with industrials and health care being the largest contributors [14] - Stock selection in IT, consumer discretionary, and materials sectors detracted from performance, while consumer staples and health care sectors provided benefits [15] Individual Stock Performance - Key contributors to relative returns included Bloom Energy, Medpace, Comfort Systems, and Insmed, while detractors included Wingstop and Monday.com [16] New Positions - New positions initiated included CG Oncology in health care, Karman and Rocket Lab in industrials, and Credo Technology in IT [17]

Core Viewpoint - Oscar Health's stock price has experienced a significant increase due to the company's announcement of plans to integrate artificial intelligence (AI) into its operations [1] Group 1: Stock Performance - Oscar Health's stock surged to a high of $24.2 in recent weeks, indicating a strong upward trend [1]