Overview Dividends

(OSCR) Oscar Health - Ratings and Ratios

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

Health Plans, +Oscar Platform, Campaign Builder, Reinsurance

OSCR EPS (Earnings per Share)

EPS Growth (3Y CAGR): 217.98%
EPS Trend (3Y Correlation): 23.9%

OSCR Revenue

Revenue Growth (3Y CAGR): 45.64%
Revenue Trend (3Y Correlation): 96.2%

Description: OSCR Oscar Health November 09, 2025

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 proprietary 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, NY.

Key recent metrics: as of FY 2023 Oscar reported total revenue of roughly $2.1 billion and a membership base of about 1.2 million lives, with a medical loss ratio hovering near 85 %-indicative of the high cost pressure typical in the individual market. Growth is being driven primarily by expansion into Medicare Advantage (where enrollment rose ~15 % YoY) and by increasing utilization of its telehealth and digital care coordination services, which have become more valuable as consumer demand for virtual care stabilizes post-pandemic. A sector-wide driver is the ongoing regulatory environment, especially state-level rate-review processes that can materially affect profitability for insurers focused on the individual market.

If you want a more granular, data-centric valuation of Oscar Health, ValueRay’s analytical dashboards provide the depth needed for a rigorous follow-up.

OSCR Stock Overview

Market Cap in USD	4,654m
Sub-Industry	Life & Health Insurance
IPO / Inception	2021-03-03

OSCR Stock Ratings

Growth Rating	70.6%
Fundamental	51.9%
Dividend Rating	-
Return 12m vs S&P 500	13.9%
Analyst Rating	3.29 of 5

OSCR Dividends

Currently no dividends paid

OSCR Growth Ratios

Growth Correlation 3m	50.4%
Growth Correlation 12m	48.7%
Growth Correlation 5y	18.4%
CAGR 5y	82.80%
CAGR/Max DD 3y (Calmar Ratio)	1.65
CAGR/Mean DD 3y (Pain Ratio)	3.76
Sharpe Ratio 12m	-1.08
Alpha	-33.19
Beta	1.888
Volatility	72.86%
Current Volume	24709.4k
Average Volume 20d	14191.8k
Stop Loss	16.4 (-7.4%)
Signal	-0.69

Piotroski VR‑10 (Strict, 0-10) 5.5

Net Income (-161.2m TTM) > 0 and > 6% of Revenue (6% = 643.6m TTM)

FCFTA 0.19 (>2.0%) and ΔFCFTA 13.51pp (YES ≥ +1.0pp, WARN ≥ +0.5pp)

NWC/Revenue -5.15% (prev -1.97%; Δ -3.18pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp)

CFO/TA 0.19 (>3.0%) and CFO 1.23b > Net Income -161.2m (YES >=105%, WARN >=100%)

NO Net Debt/EBITDA fails (EBITDA <= 0)

Current Ratio 0.89 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active)

Outstanding Shares last Quarter (270.2m) change vs 12m ago -11.09% (target <= -2.0% for YES)

Gross Margin 100.00% (prev 99.99%; Δ 0.01pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0)

Asset Turnover 192.4% (prev 151.8%; Δ 40.61pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0)

Interest Coverage Ratio -5.39 (EBITDA TTM -97.2m / Interest Expense TTM 23.7m) >= 6 (WARN >= 3)

Altman Z'' -2.71

(A) -0.09 = (Total Current Assets 4.31b - Total Current Liabilities 4.87b) / Total Assets 6.38b

(B) -0.44 = Retained Earnings (Balance) -2.80b / Total Assets 6.38b

(D) -0.53 = Book Value of Equity -2.79b / Total Liabilities 5.22b

Total Rating: -2.71 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D)

ValueRay F-Score (Strict, 0-100) 51.88

1. Piotroski 5.50pt = 0.50

2. FCF Yield 84.80% = 5.0

3. FCF Margin 11.20% = 2.80

4. Debt/Equity 0.26 = 2.47

5. Debt/Ebitda 23.65 = -2.50

6. ROIC - WACC (= -20.82)% = -12.50

7. RoE -13.82% = -2.30

8. Rev. Trend 96.18% = 7.21

9. EPS Trend 23.94% = 1.20

What is the price of OSCR shares?

As of November 10, 2025, the stock is trading at USD 17.72 with a total of 24,709,414 shares traded.
Over the past week, the price has changed by -1.56%, over one month by -21.14%, over three months by +16.89% and over the past year by +29.91%.

Is Oscar Health a good stock to buy?

Neither. Based on ValueRay´s Fundamental Analyses, Oscar Health is currently (November 2025) neither a good nor a bad stock to buy. It has a ValueRay Fundamental Rating of 51.88 and therefor a neutral outlook according to the companies health.
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of OSCR is around 17.57 USD . This means that OSCR is currently overvalued and has a potential downside of -0.85%.

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	12.4	-30.1%
Analysts Target Price	12.4	-30.1%
ValueRay Target Price	20.3	14.3%

OSCR Fundamental Data Overview November 04, 2025

Market Cap USD = 4.65b (4.65b USD * 1.0 USD.USD)
P/E Forward = 588.2353
P/S = 0.4339
P/B = 4.3033
Beta = 1.888
Revenue TTM = 10.73b USD
EBIT TTM = -127.6m USD
EBITDA TTM = -97.2m USD
Long Term Debt = 299.9m USD (from longTermDebt, last quarter)
Short Term Debt = unknown (none)
Debt = 299.9m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -2.30b USD (from netDebt column, last quarter)
Enterprise Value = 1.42b USD (4.65b + Debt 299.9m - CCE 3.54b)
Interest Coverage Ratio = -5.39 (Ebit TTM -127.6m / Interest Expense TTM 23.7m)
FCF Yield = 84.80% (FCF TTM 1.20b / Enterprise Value 1.42b)
FCF Margin = 11.20% (FCF TTM 1.20b / Revenue TTM 10.73b)
Net Margin = -1.50% (Net Income TTM -161.2m / Revenue TTM 10.73b)
Gross Margin = 100.00% ((Revenue TTM 10.73b - Cost of Revenue TTM 1.0) / Revenue TTM)
Gross Margin QoQ = 100.0% (prev 100.0%)
Tobins Q-Ratio = 0.22 (Enterprise Value 1.42b / Total Assets 6.38b)
Interest Expense / Debt = 1.95% (Interest Expense 5.85m / Debt 299.9m)
Taxrate = 2.16% (-5.04m / -233.5m)
NOPAT = -124.9m (EBIT -127.6m * (1 - 2.16%)) [loss with tax shield]
Current Ratio = 0.89 (Total Current Assets 4.31b / Total Current Liabilities 4.87b)
Debt / Equity = 0.26 (Debt 299.9m / totalStockholderEquity, last quarter 1.16b)
Debt / EBITDA = 23.65 (negative EBITDA) (Net Debt -2.30b / EBITDA -97.2m)
Debt / FCF = -1.91 (Net Debt -2.30b / FCF TTM 1.20b)
Total Stockholder Equity = 1.17b (last 4 quarters mean from totalStockholderEquity)
RoA = -2.53% (Net Income -161.2m / Total Assets 6.38b)
RoE = -13.82% (Net Income TTM -161.2m / Total Stockholder Equity 1.17b)
RoCE = -8.70% (EBIT -127.6m / Capital Employed (Equity 1.17b + L.T.Debt 299.9m))
RoIC = -8.52% (negative operating profit) (NOPAT -124.9m / Invested Capital 1.47b)
WACC = 12.30% (E(4.65b)/V(4.95b) * Re(12.97%) + D(299.9m)/V(4.95b) * Rd(1.95%) * (1-Tc(0.02)))
Discount Rate = 12.97% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 9.09%
[DCF Debug] Terminal Value 51.83% ; FCFE base≈822.2m ; Y1≈539.8m ; Y5≈246.8m
Fair Price DCF = 11.99 (DCF Value 2.67b / Shares Outstanding 223.0m; 5y FCF grow -40.0% → 3.0% )
EPS Correlation: 23.94 | EPS CAGR: 218.0% | SUE: 4.0 | # QB: 1
Revenue Correlation: 96.18 | Revenue CAGR: 45.64% | SUE: -0.67 | # QB: 0

Additional Sources for OSCR Stock

News: Wall Street Journal | Benzinga | Yahoo Finance
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Fund Manager Positions: Dataroma | Stockcircle