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Analyst
John Ransom
Period: Reporting periods mapped to calendar 2025 Q1 – 2026 Q1 (5 quarters; questions recorded in 4).
- Questions
- 9on tracked calls
- Challenge rate
- 11%1 of 9 questionsLimited sample
- Companies
- 3questioned at least once
- Reporting periods
- 4with questions
These figures cover the whole profile: every tracked question, all reporting periods.
How to read these numbers
Challenge rate is the share of questions that pushed back, pressed for specifics or questioned management’s assumptions. It describes how questions were asked on the calls tracked here; it does not measure whether any view turned out to be right. See how we grade analysts on earnings-call questions.
Rounding. Rates are rounded to whole percentages, so a small share can show as 0% even when some questions were challenging. The count beside each rate is exact; “none of N questions” means no question was challenging.
No questions recorded. “—” means there is nothing to calculate: no questions were recorded for that period on the calls tracked here. It does not mean there was no activity.
Fewer than 3 questions. A company-level rate is withheld when fewer than 3 questions were recorded for that company; the questions are still counted everywhere else.
Small samples. Profiles with fewer than 10 questions are marked Limited sample.
Reporting periods. Questions are grouped by the calendar quarter each company’s fiscal reporting period maps to, not by the date of the call. Periods without a calendar mapping are listed separately under their fiscal label.
Questions asked
Grouped by company, most questions first. Open a company to read its questions, newest reporting period first.
Showing 9 of 9 questions from 3 companies
OSCROscar Health, Inc.7 questions · 4 reporting periods · 1 of 7 challenging
Calendar 2026 Q1
Why would G&A go up if presumably you're going to get a revenue lift for the rest of the year
Show response
CFO said SG&A dollars grew 46% versus 53% revenue growth, the ratio should move sideways to slightly up and Q4 rises with enrollment costs.
Calendar 2025 Q4
So what kind of member gets passively renewed pays the first premium and then decides to drop off?
Show response
Explained nonpayment concentrates in members moving from $0 to paid premiums, who stay through the grace period before churning.
what percent of those do you think work with the broker and tried to tailor the coverage
Show response
Said 90% to 95% of members come through brokers, with more direct enrollment in custom plans such as the menopause product.
Calendar 2025 Q2
As you think about next year, how much of that margin do you think you can recover with pricing actions?
Show response
CFO defined profitability as positive earnings from operations and cited a 630 basis point first-half MLR rise, but did not size the 2026 margin recovery.
the marketplace might shrink by 40% or so. Kind of where do you stand in that debate
Show response
CEO said the 18% book reduction in long-term guidance is the floor and will likely be larger, but did not size it before seeing market rates.
Calendar 2025 Q1
So in other words, 1.8 million by the end of the year, but trending up and then trending back down?
Show response
Management confirmed about 1.8 million members as the expected year-end level.
the 2 million membership you ended the quarter with, how should we think about that number for the second quarter
Show response
Management expects membership to rise in the first half, then fall in the back half as the continuous SEP ends, landing where guidance assumed.
CVSCVS Health1 question · 1 reporting period · 0 of 1 challenging
Calendar 2025 Q2
What are we doing differently? And I'm intrigued that you're back in the business of even buying drugstores
Show response
Shah highlighted trip comp growth of 2.7%, retail share gains, and strategy of creating more consumer value while driving foot traffic from pharmacy adjacency.
HCAHCA Healthcare1 question · 1 reporting period · 0 of 1 challenging
Calendar 2025 Q1
is your new guidance assume that the EBITDA is now flat in 2025 versus 2024?
Show response
Mike reconfirmed hurricane-impacted markets produced flat year-over-year earnings in Q1, consistent with full-year guidance assumption.
Challenge rate by company
Every company this analyst questioned, most questions first. A company-level rate is shown from 3 questions; below that it is withheld.
| Company | Questions | Challenge rate |
|---|---|---|
| OSCR Oscar Health, Inc. | 7 | 14%1 of 7 questions |
| CVS CVS Health | 1 | —Rate withheld: fewer than 3 questions |
| HCA HCA Healthcare | 1 | —Rate withheld: fewer than 3 questions |
Activity by reporting period
Questions recorded for each calendar quarter that companies’ reporting periods map to (not the call date), with the challenge rate for that period. Periods inside the range with no questions are shown as “No questions recorded”.
| Calendar period | Questions | Challenge rate | Companies |
|---|---|---|---|
| 2025 Q1 | 3 | 0%none of 3 questions | 2 |
| 2025 Q2 | 3 | 0%none of 3 questions | 2 |
| 2025 Q3 | No questions recorded | — | — |
| 2025 Q4 | 2 | 0%none of 2 questions | 1 |
| 2026 Q1 | 1 | 100%1 of 1 question | 1 |
- 2025 Q13 questions · challenge rate 0% (none of 3 questions) · 2 companies
- 2025 Q23 questions · challenge rate 0% (none of 3 questions) · 2 companies
- 2025 Q3No questions recorded
- 2025 Q42 questions · challenge rate 0% (none of 2 questions) · 1 company
- 2026 Q11 question · challenge rate 100% (1 of 1 question) · 1 company
Topics
Topics tagged on this analyst’s questions.
- Subscriber Growth4
- Margin2
- Cost Pressure2
- Pricing2
- Demand2
- Regulation Policy2
- Competitive Dynamics1
- Guidance Reliability1