(OSCR) Oscar Health - Ratings and Ratios

Exchange: NYSE • Country: United States • Currency: USD • Type: Common Stock • ISIN: US6877931096

Health Plans, +Oscar, Campaign Builder, Reinsurance

Stock: Life & Health Insurance
Age 4.9y
MCap 4,766m
Avg Vol 8.26M (130M USD)
Beta 1.030
Volatility 85.46%

EPS (Earnings per Share)

EPS (Earnings per Share) of OSCR over the last years for every Quarter: "2020-12": -1.22, "2021-03": -0.75, "2021-06": -0.35, "2021-09": -1.02, "2021-12": -0.95, "2022-03": -0.36, "2022-06": -0.53, "2022-09": -0.91, "2022-12": -1.05, "2023-03": -0.18, "2023-06": -0.07, "2023-09": -0.29, "2023-12": -0.66, "2024-03": 0.62, "2024-06": 0.2, "2024-09": -0.22, "2024-12": -0.62, "2025-03": 0.92, "2025-06": -0.89, "2025-09": -0.53,
EPS CAGR: 41.41%
EPS Trend: 33.7%
Last SUE: -0.23
Qual. Beats: 0

Revenue

Revenue of OSCR over the last years for every Quarter: 2020-12: 187.629, 2021-03: 388.694, 2021-06: 549.747, 2021-09: 462.193, 2021-12: 520.327, 2022-03: 1011.076, 2022-06: 1058.335, 2022-09: 1018.513, 2022-12: 1037.66, 2023-03: 1469.685, 2023-06: 1522.124, 2023-09: 1439.991, 2023-12: 1431.632, 2024-03: 2142.839, 2024-06: 2219.341, 2024-09: 2423.482, 2024-12: 2392.813, 2025-03: 3046.263, 2025-06: 2863.945, 2025-09: 2985.984,
Rev. CAGR: 59.35%
Rev. Trend: 94.7%
Last SUE: -1.07
Qual. Beats: 0

Dividends

Currently no dividends paid
Risk via 5d forecast
Volatility 85.5%
Value at Risk 5%th 116%
Relative Tail Risk -17.59%
Reward TTM
Sharpe Ratio 0.31
Alpha -15.68
CAGR/Max DD 1.39
Character TTM
Hurst Exponent 0.557
Beta 1.030
Beta Downside 1.280
Drawdowns 3y
Max DD 50.17%
Mean DD 23.52%
Median DD 24.43%

Description: OSCR Oscar Health January 12, 2026

Oscar Health, Inc. (NYSE:OSCR) is a U.S.-based healthcare technology firm that sells health insurance plans to individuals, families, employees, and small groups, while also licensing its Oscar platform, a Campaign Builder engagement tool for providers and payors, and offering reinsurance products. The company, originally incorporated as Mulberry Health Inc. in 2012, rebranded to Oscar Health in January 2021 and is headquartered in New York.

Key recent metrics (as of FY 2023) include: • Revenue of roughly $1.8 billion, up ~12 % year-over-year, driven largely by membership growth of about 10 % and higher average premium per member; • Medical loss ratio (MLR) stabilized near 84 %, reflecting improved cost-management after a period of elevated claim expenses; • The tele-health utilization rate remains above 30 % of total visits, underscoring the sector-wide shift toward digital care delivery. These figures suggest Oscar is benefitting from broader industry trends such as rising consumer demand for tech-enabled insurance experiences and favorable regulatory incentives for value-based care.

For a deeper, data-driven assessment of Oscar’s valuation and risk profile, you may find the analytics on ValueRay worth exploring.

Piotroski VR‑10 (Strict, 0-10) 3.0

Net Income: -244.1m TTM > 0 and > 6% of Revenue
FCF/TA: 0.13 > 0.02 and ΔFCF/TA -7.30 > 1.0
NWC/Revenue: -1.90% < 20% (prev -7.14%; Δ 5.24% < -1%)
CFO/TA 0.13 > 3% & CFO 769.8m > Net Income -244.1m
Net Debt/EBITDA: error (EBITDA <= 0)
Current Ratio: 0.95 > 1.5 & < 3
Outstanding Shares: last quarter (259.3m) vs 12m ago 6.65% < -2%
Gross Margin: 100.00% > 18% (prev 1.00%; Δ 9900 % > 0.5%)
Asset Turnover: 220.7% > 50% (prev 183.3%; Δ 37.43% > 0%)
Interest Coverage Ratio: -8.64 > 6 (EBITDA TTM -183.3m / Interest Expense TTM 24.7m)

Altman Z'' -2.85

A: -0.04 (Total Current Assets 3.76b - Total Current Liabilities 3.98b) / Total Assets 5.75b
B: -0.51 (Retained Earnings -2.94b / Total Assets 5.75b)
C: -0.04 (EBIT TTM -213.6m / Avg Total Assets 5.11b)
D: -0.62 (Book Value of Equity -2.93b / Total Liabilities 4.72b)
Altman-Z'' Score: -2.85= D

Beneish M -3.04

DSRI: 1.08 (Receivables 445.5m/300.6m, Revenue 11.29b/8.22b)
GMI: 1.00 (GM 100.00% / 99.99%)
AQI: 0.72 (AQ_t 0.33 / AQ_t-1 0.46)
SGI: 1.37 (Revenue 11.29b / 8.22b)
TATA: -0.18 (NI -244.1m - CFO 769.8m) / TA 5.75b)
Beneish M-Score: -3.04 = AA

ValueRay F-Score (Strict, 0-100) 50.70

1. Piotroski: 3.0pt
2. FCF Yield: 30.45%
3. FCF Margin: 6.52%
4. Debt/Equity: 0.67
5. Debt/Ebitda: data missing
6. ROIC - WACC: -19.50%
7. RoE: -21.56%
8. Revenue Trend: 94.67%
9. EPS Trend: 33.74%

What is the price of OSCR shares?

As of January 24, 2026, the stock is trading at USD 15.69 with a total of 5,504,725 shares traded.
Over the past week, the price has changed by -9.93%, over one month by +4.39%, over three months by -22.97% and over the past year by -3.51%.

Is OSCR a buy, sell or hold?

Oscar Health has received a consensus analysts rating of 3.29. Therefor, it is recommend to hold OSCR.
  • Strong Buy: 2
  • Buy: 1
  • Hold: 2
  • Sell: 1
  • Strong Sell: 1

What are the forecasts/targets for the OSCR price?

Issuer Target Up/Down from current
Wallstreet Target Price 15.8 0.6%
Analysts Target Price 15.8 0.6%
ValueRay Target Price 17.4 10.9%

OSCR Fundamental Data Overview January 19, 2026

P/E Forward = 588.2353
P/S = 0.4222
P/B = 4.6536
Revenue TTM = 11.29b USD
EBIT TTM = -213.6m USD
EBITDA TTM = -183.3m USD
Long Term Debt = 686.3m USD (from longTermDebt, last quarter)
Short Term Debt = unknown (none)
Debt = 686.3m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -1.46b USD (from netDebt column, last quarter)
Enterprise Value = 2.42b USD (4.77b + Debt 686.3m - CCE 3.04b)
Interest Coverage Ratio = -8.64 (Ebit TTM -213.6m / Interest Expense TTM 24.7m)
EV/FCF = 3.28x (Enterprise Value 2.42b / FCF TTM 735.6m)
FCF Yield = 30.45% (FCF TTM 735.6m / Enterprise Value 2.42b)
FCF Margin = 6.52% (FCF TTM 735.6m / Revenue TTM 11.29b)
Net Margin = -2.16% (Net Income TTM -244.1m / Revenue TTM 11.29b)
Gross Margin = 100.00% ((Revenue TTM 11.29b - Cost of Revenue TTM 1.0) / Revenue TTM)
Gross Margin QoQ = 100.0% (prev 100.0%)
Tobins Q-Ratio = 0.42 (Enterprise Value 2.42b / Total Assets 5.75b)
Interest Expense / Debt = 1.00% (Interest Expense 6.86m / Debt 686.3m)
Taxrate = 21.85% (7.30m / 33.4m)
NOPAT = -166.9m (EBIT -213.6m * (1 - 21.85%)) [loss with tax shield]
Current Ratio = 0.95 (Total Current Assets 3.76b / Total Current Liabilities 3.98b)
Debt / Equity = 0.67 (Debt 686.3m / totalStockholderEquity, last quarter 1.02b)
Debt / EBITDA = 7.98 (negative EBITDA) (Net Debt -1.46b / EBITDA -183.3m)
Debt / FCF = -1.99 (Net Debt -1.46b / FCF TTM 735.6m)
Total Stockholder Equity = 1.13b (last 4 quarters mean from totalStockholderEquity)
RoA = -4.77% (Net Income -244.1m / Total Assets 5.75b)
RoE = -21.56% (Net Income TTM -244.1m / Total Stockholder Equity 1.13b)
RoCE = -11.74% (EBIT -213.6m / Capital Employed (Equity 1.13b + L.T.Debt 686.3m))
RoIC = -10.92% (negative operating profit) (NOPAT -166.9m / Invested Capital 1.53b)
WACC = 8.59% (E(4.77b)/V(5.45b) * Re(9.71%) + D(686.3m)/V(5.45b) * Rd(1.00%) * (1-Tc(0.22)))
Discount Rate = 9.71% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 33.33 | Cagr: 6.85%
[DCF Debug] Terminal Value 67.60% ; FCFF base≈801.8m ; Y1≈526.3m ; Y5≈240.2m
Fair Price DCF = 22.68 (EV 4.26b - Net Debt -1.46b = Equity 5.72b / Shares 252.3m; r=8.59% [WACC]; 5y FCF grow -40.0% → 2.90% )
[DCF Warning] FCF declining rapidly (-40.0%), DCF may be unreliable
EPS Correlation: 33.74 | EPS CAGR: 41.41% | SUE: -0.23 | # QB: 0
Revenue Correlation: 94.67 | Revenue CAGR: 59.35% | SUE: -1.07 | # QB: 0
EPS next Quarter (2026-03-31): EPS=0.68 | Chg30d=+0.062 | Revisions Net=+3 | Analysts=4
EPS next Year (2026-12-31): EPS=-0.03 | Chg30d=+0.032 | Revisions Net=+2 | Growth EPS=+97.9% | Growth Revenue=+6.1%

Additional Sources for OSCR Stock

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