OSCR Stock Analysis: Oscar Health | NYSE
Healthcare Plans | NYSE, USA | Market Cap: 8.981m USD | 12M Return: 95.4% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 202M
Qual. Beats: 1
Rev. Trend: 99.4%
Qual. Beats: -3
Warnings
No concerns identified
Tailwinds
Seasonality 5.3 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Oscar Health, Inc. (NYSE: OSCR) is a U.S.-based healthcare technology company that provides health insurance plans to individuals, families, employees, and small group markets. Beyond core insurance, the company operates a technology-focused business line that includes its +Oscar platform, which provides infrastructure to other healthcare participants, and the Campaign Builder engagement and recommendation tool for providers and payors. The company also offers reinsurance products and operates a brokerage and enrollment platform that enables brokers and consumers to shop for and enroll in medical and supplemental health products.
The company was originally incorporated in 2012 as Mulberry Health Inc., was renamed Oscar Health, Inc. in January 2021, and is headquartered in New York, New York. Oscar sits at the intersection of the health insurance and health technology sectors, combining a regulated insurer business with software platforms that are sold to other industry participants, an approach commonly referred to as an insurtech or healthtech hybrid model. As a GICS-classified Life & Health Insurance company, its revenue is largely driven by health plan premiums, with growth increasingly supported by technology and platform-related services.
- ACA marketplace enrollment growth lifts premium revenue
- Medical loss ratio trends swing quarterly profitability
- +Oscar platform expansion adds tech services revenue
| Net Income: -39.4m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.30 > 0.02 and ΔFCF/TA 9.74 > 1.0 |
| NWC/Revenue: 4.79% < 20% (prev -3.71%; Δ 8.50% < -1%) |
| CFO/TA 0.31 > 3% & CFO 2.84b > Net Income -39.4m |
| Current Ratio: 1.09 > 1.5 & < 3 |
| Outstanding Shares: last quarter (329.8m) vs 12m ago 7.78% < -2% |
| Gross Margin: 17.39% > 18% (prev 27.27%; Δ -9.88% > 0.5%) |
| Asset Turnover: 175.8% > 50% (prev 172.5%; Δ 3.28% > 0%) |
| Interest Coverage Ratio: -0.52 > 6 (EBIT TTM -9.95m / Interest Expense TTM 19.2m) |
| A: 0.07 (Total Current Assets 7.78b - Total Current Liabilities 7.14b) / Total Assets 9.29b |
| B: -0.28 (Retained Earnings -2.62b / Total Assets 9.29b) |
| C: -0.00 (EBIT TTM -9.95m / Avg Total Assets 7.57b) |
| D: 0.22 (Book Value of Equity 1.66b / Total Liabilities 7.62b) |
| Altman-Z'' = -0.25 = B |
| DSRI: 0.58 (Receivables 587.0m/763.4m, Revenue 13.3b/10.1b) |
| GMI: 1.57 (GM 27.27% / 17.39%) |
| AQI: 0.45 (AQ_t 0.15 / AQ_t-1 0.34) |
| SGI: 1.32 (Revenue 13.3b / 10.1b) |
| TATA: -0.31 (NI -39.4m - CFO 2.84b) / TA 9.29b) |
| Beneish M = -2.99 (Cap -4..+1) = A |
As of July 05, 2026, the stock is trading at USD 32.18 with a total of 7,251,300 shares traded. Over the past week, the price has changed by +12.24%, over one month by +56.98%, over three months by +152.19% and over the past year by +95.39%.
Current recommended Stop Loss: 28.80 (which is 10.5% or 1.9 ATR below the current price).
Oscar Health has received a consensus analysts rating of 3.29. Therefore, it is recommended to hold OSCR.
- StrongBuy: 2
- Buy: 1
- Hold: 2
- Sell: 1
- StrongSell: 1
| Analysts Target Price | 22.6 | -29.8% |
P/E Forward = 588.2353
P/S = 0.6752
P/B = 5.3977
Revenue TTM = 13.3b USD
EBIT TTM = -9.95m USD
EBITDA TTM = 19.2m USD
Long Term Debt = 430.9m USD (from longTermDebt, last quarter)
Short Term Debt = unknown (none)
Debt = 430.9m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -6.37b USD (calculated: Debt 430.9m - CCE 6.80b)
Enterprise Value = 2.61b USD (8.98b + Debt 430.9m - CCE 6.80b)
Interest Coverage Ratio = -0.52 (Ebit TTM -9.95m / Interest Expense TTM 19.2m)
EV/FCF = 0.93x (Enterprise Value 2.61b / FCF TTM 2.80b)
FCF Yield = 107.1% (FCF TTM 2.80b / Enterprise Value 2.61b)
FCF Margin = 21.04% (FCF TTM 2.80b / Revenue TTM 13.3b)
Net Margin = -0.30% (Net Income TTM -39.4m / Revenue TTM 13.3b)
Gross Margin = 17.39% ((Revenue TTM 13.3b - Cost of Revenue TTM 11.0b) / Revenue TTM)
Gross Margin QoQ = 30.50% (prev 6.60%)
Tobins Q-Ratio = 0.28 (Enterprise Value 2.61b / Total Assets 9.29b)
Interest Expense / Debt = 4.45% (Interest Expense 19.2m / Debt 430.9m)
Taxrate = 2.83% (19.8m / 698.8m)
NOPAT = -9.67m (EBIT -9.95m * (1 - 2.83%)) [loss with tax shield]
Current Ratio = 1.09 (Total Current Assets 7.78b / Total Current Liabilities 7.14b)
Debt / Equity = 0.26 (Debt 430.9m / totalStockholderEquity, last quarter 1.66b)
Debt / EBITDA = -331.2 (out of range, set to none) (Net Debt -6.37b / EBITDA 19.2m)
Debt / FCF = -2.28 (Net Debt -6.37b / FCF TTM 2.80b)
Total Stockholder Equity = 1.21b (last 4 quarters mean from totalStockholderEquity)
RoA = -0.52% (Net Income -39.4m / Total Assets 9.29b)
RoE = -3.27% (Net Income TTM -39.4m / Total Stockholder Equity 1.21b)
RoCE = -0.61% (EBIT -9.95m / Capital Employed (Equity 1.21b + L.T.Debt 430.9m))
RoIC = -0.65% (negative operating profit) (NOPAT -9.67m / Invested Capital 1.48b)
WACC = 8.60% (E(8.98b)/V(9.41b) * Re(8.81%) + D(430.9m)/V(9.41b) * Rd(4.45%) * (1-Tc(0.03)))
Discount Rate = 8.81% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 33.33 | Cagr: 18.03%
[DCF] Terminal Value 77.15% ; FCFF base≈2.16b ; Y1≈2.47b ; Y5≈3.64b
[DCF] Fair Price = 221.0 (EV 52.4b - Net Debt -6.37b = Equity 58.8b / Shares 265.9m; r=8.60% [WACC]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: N/A | EPS CAGR: N/A | SUE: 4.0 | # QB: 1
Revenue Correlation: 99.37 | Revenue CAGR: 43.20% | SUE: -1.68 | # QB: -3
EPS current Quarter (2026-06-30): EPS=0.32 | Chg30d=-20.30% | Revisions=+22% | Analysts=10
EPS next Quarter (2026-09-30): EPS=-0.20 | Chg30d=-0.98% | Revisions=-44% | Analysts=10
EPS current Year (2026-12-31): EPS=1.06 | Chg30d=+9.35% | Revisions=+58% | GrowthEPS=+162.6% | GrowthRev=+58.5%
EPS next Year (2027-12-31): EPS=1.48 | Chg30d=+7.59% | Revisions=+18% | GrowthEPS=+40.3% | GrowthRev=+6.7%
[Analyst] Revisions Ratio: +22% (up=18, down=11)