[GUEST ACCESS MODE: Data is scrambled or limited to provide examples. Make requests using your API key to unlock full data. Check https://lunarcrush.ai/auth for authentication information.]  Kab X [@KabraxFX](/creator/twitter/KabraxFX) on x 2556 followers Created: 2025-07-21 16:36:01 UTC I am not forgetting anything. $OSCR being limited by the MLR gives you very little room to leverage operational efficiency. If all your revenues comes from insurance, and your MLR is 80%+, then you only have XX% available for operations, but with Clover, even with the MLR, the SaaS revenue is not tied to the MLR and can improve gross profit efficiency. Where Oscar only has about 20%, if $CLOV's SaaS model becomes a key driver of revenue, gross profits could be 50%, meaning about XX% available for operational efficiency. They have two different segments they can grow which will improve overall net profitability. XX engagements  **Related Topics** [$clovs](/topic/$clovs) [oscar](/topic/oscar) [clover](/topic/clover) [insurance](/topic/insurance) [$oscr](/topic/$oscr) [Post Link](https://x.com/KabraxFX/status/1947334761007222829)
[GUEST ACCESS MODE: Data is scrambled or limited to provide examples. Make requests using your API key to unlock full data. Check https://lunarcrush.ai/auth for authentication information.]
Kab X @KabraxFX on x 2556 followers
Created: 2025-07-21 16:36:01 UTC
I am not forgetting anything. $OSCR being limited by the MLR gives you very little room to leverage operational efficiency. If all your revenues comes from insurance, and your MLR is 80%+, then you only have XX% available for operations, but with Clover, even with the MLR, the SaaS revenue is not tied to the MLR and can improve gross profit efficiency. Where Oscar only has about 20%, if $CLOV's SaaS model becomes a key driver of revenue, gross profits could be 50%, meaning about XX% available for operational efficiency.
They have two different segments they can grow which will improve overall net profitability.
XX engagements
