MJG_TRADES

$OSCR - This will be a $100B company. We are witnessing the next $PLTR and $HOOD right before our eyes. Oscar's TAM could very like 3-4x over the next two years with the ICHRA push. There was a 171% growth of employees offered ICHRAs between 2022-2023. Just wait until it goes mainstream. It's better for the employer & the employee - it's a no brainer better wait to do healthcare. Now, legislation is very slow moving and these things take time but the path we are going on is clear. With 20% of US GDP spent on healthcare and a clear problem with Debt/GDP a solution isn't just ideal it's essential for the solvency of US debt. Lets break a few key things down: ICHRA = the payment mechanism (employer allowance) ACA = the actual insurance marketplace providing the plans Employees use the ICHRA funds to go shop for ACA marketplace plans. Old model (traditional group insurance): Employer → Buys group plan → Employees stuck with that plan. New model Employer → Gives $$ to employee → Employee → Buys an ACA individual plan So the employee ends up in the ACA market, which is Oscar’s stronghold. If ICHRA adoption grows, millions of employees move off group plans into ACA plans, increasing: ACA enrollment, Quality risk pools, Oscar’s revenue + margins. Oscar tends to be: Price-competitive, Lower premium than legacy carriers, Attractive UI + member support, & Solid provider access. ---------------------------------------------------- In the ACA market, Risk Adjustment (RA) = the difference between making money or losing money. Oscar’s entire stack is engineered around RA: -predicting risk -identifying missing codes -guiding care -stratifying members -closing gaps automatically When the massive shift happens when employers get off of group plans (Think Pensions to 401ks) - Anthem, United, Cigna, & Others will need to compete. (They will be nowhere near as successful). Oscar is a Tesla and the rest of the market is a 95 Honda Civic. If RA becomes increasingly tech-driven (it is), Oscar has a long-term moat. Other insurers will NEED Oscar's tech stack - but they won't build it. Why? Building a new core system = multi billion dollar death march. You can't just buy "Oscar's stack" - Oscar build in house. This is why +Oscar is a major future revenue stream that could turn this into an AI Healthcare Software Company. They can sell claims automation, risk adjustment engines, member engagement tools, care navigation models. Essentially becoming the shopify of insurance ops. bUt whAt aBouT the sUbSidies??? Thanks for listening.

@TheLongInvest $OSCR - Not to mention guidance was re-affirmed within the last week. 🚀 to the moon soon 🌕

$OSCR expected to have $18 Billion in Revenue in 2026 The mind and the market has not comprehended this properly yet But it will

$OSCR - Just a reminder that if Oscar Health doubles from here - it’ll be trading at a .55x P/S of 2026 revenue guidance. At the same time - they created the first all in one health marketplace (Lucie), they are the fastest growing Health Insurance company in the US, leading AIs integration into the US Healthcare System, while being lead by one of the most sought after executives in the world (Mark Bertolini) also co-founded by one of the most connected business men in the world (Joshua Kushner - very hard ties with current administration ). Assuming 2027 guidance comes true (we will surpass in 2026 😂) the company will be generating $1B in net income. At a 20x multiple (which seems absurdly low) the company’s intrinsic value should be around $20B (This assumes $20B in revenue in 2027). Insinuating a 300% return. Markets are forward looking and stock price will often get there well before they reach such targets. Sometimes you just need to relax and enjoy the ride. 2026 is going to change everything for this company.

Do people even take this seriously anymore? $SPY $QQQ $USO

$OSCR - Interesting post from Linkedin. Within the Ohio State House of Representatives - Meredith Craig introduced and passed a national model law which received unanimous support that incentivizes small businesses to offer health care coverage through ICHRAS. Everything is shaping up perfectly for $OSCR. This company is pioneering AIs integrations into Health Insurance. Legacy insurers are miles behind right now, this company is so eerily similar to Robinhood $HOOD and how it disrupted traditional brokers - I wouldn’t be surprised by a $65+ stock price by the end of the year.

@degeninvestor7 @investingwithac Thanks for pointing this out fellas - this is why I need to watch the full thing before posting.

@investingwithac @MJG_TRADES Let’s just make sure not to be misleading

I’m not a short term trader - I simply look at what the fundamentals say. Funded accounts grew at sub 10% - Robinhood will continue to dominate and take market share. This is very similar to Google v. Yahoo in the early 2000s. Maybe you can make a quick buck but until FCF starts accelerating it’s simply a speculatory play. Plus Robinhood users are 2.6x more valuable per account. WeBull has very rough monetization. IE.) Net Income per user

@MJG_TRADES @ContrarianKiwi @stocksandreales Missed out on 50%+ return since this post because you choose the path of ignorance. I hope you do better next time.

ROBINHOOD IS WORTH OVER $60B AND WEBULL IS ONLY WORTH $2B WHILE HAVING ALMOST THE SAME AMOUNT OF USERS? INCREDIBLY UNDERVALUED. I’M EASILY MAKING OVER $1,000,000 ON THIS TRADE

@investingwithac Scared money don’t make money 🚀🚀

$OSCR I have a confession… At $10-11 I bought roughly 50% of my portfolio value, on margin, into $OSCR …

For too long, American healthcare has been rigid, opaque, and disconnected. Today, Oscar Health is changing that with the launch of @Lucie_Health Marketplace, the first all-in-one storefront that begins to change how America shops for healthcare. Lucie’s healthcare storefront integrates all major individual medical carriers with trusted ancillary and supplemental leaders. Consumers choose from a wide range of health products and price points: medical, dental, vision, accident, hospital care, and more. Employers can offer great benefits at low and predictable costs. And brokers can grow their business and upgrade the healthcare experience As our CEO Mark Bertolini puts it: "Lucie can serve millions of entrepreneurs, full- and part-time employees, gig workers, and early retirees. Instead of being forced into a few rigid employer plans, you build your own custom bundle of affordable products for better financial protection. Your health plan. Your pharmacy coverage. Your dental plan. We are putting consumers in control so they can buy what fits their lives." Consumers buy cars, homes, and everyday products with transparency and choice. Healthcare is next. Learn more at LucieHealth.com.

@ContrarianKiwi @Stocktology_ @TradeWJay @stocksandreales Still have yet to see a well thought out bull thesis. Everything you speak on is based on speculation alone

@ContrarianKiwi @InvestifyDaily That’s the beauty in it 🍻 wish it the best genuinely - it’s a great app arguably much better than Robinhood. I just need to see something in the fundamentals first.

@MJG_TRADES @InvestifyDaily Strongly disagree. I'm happy with my position, and think we see $14+ this year, and have been saying that for some time. We shall check back in in a few months ay?

$BULL is going to trade around what soon??? Last time I checked we around $6.50 @MJG_TRADES next time you post something maybe you should do holistic research instead of nitpicking one post of data which wasn’t even a good point you went after. I mean at least you could have hammered the SEPA deal back then…

One piece of data that isn't good?? Find me one piece of data that supports this company being worth more than $1-$2B. $BULL for the 3 months ended 12/31/24 & 12/31/25 went from generating $10.6M in Net Income to $3.0M in Net Income. 2025 was an amazing year for brokerages, transaction volumes were through the roof and they still couldn't generate anything. $165M in rev. with $148M in op.exp isn't exactly ideal for a company that is growing funded accounts at 8% Y.o.Y. Let's assume this company was doing $100M a year in operating income (posted positive $24M in NI). They would have to grow at 20% for the next 7ish years to hit $100M. Assigning them any multiple above 30 is absurd given the low growth. THEN MAYBE the fair value would be $3B. My point is that it would take you about 7 years of strong growth to warrant anything above $3B. At this time the company is worth $1-$1.5B at most.

@InvestifyDaily @MJG_TRADES 🤣🤣🤣

@ContrarianKiwi @stocksandreales A DCF won’t even work with the lack of real earnings. Their SoCF from ‘24 is atrocious and they couldn’t hit profitability despite a break out year for its largest competitor. I think it’s a very good app but the number are not there

@ContrarianKiwi @stocksandreales Nothing fundamentally changed 😂 certainly if their cash flow statement was strong they would release. The intrinsic value is far below current price

@MJG_TRADES @stocksandreales Lol that didn't age well buddy! Looks like it's doing the opposite of your 2$ soon call! haha Btw lots of brokers don't release cash flow statements, it's quite common.

$HIMS - Interesting things taking place. Wisconsin Republican Tony Wied buys $1.6M of $HIMS stock a little over 2 months ago. Today, RFK Jr. announces a reclassification of a ton of peptides. Hims/Hers will become one of the largest peptide providers in the country. Something major could be brewing.

@MJG_TRADES Casual $OSCR investor meetup within a few years….

With proper execution. $OSCR is about to go on a GENERATIONAL run. #1 position in my portfolio.

ai beneficiary / agi resilient

@ContrarianKiwi @stocksandreales As you can see there’s nothing after Q4 of 2024

They haven’t released a statement of cash flows in over a year - the revenue growth means nothing. They generated 1/4th the cash from operations as in 2023. They went from positive net income to negative in this time. 2025 was arguably the best year we will see out of brokerages for a long time and yet their results were super underwhelming. The company is worth $1B at the high end and will probably trade around $2 soon