(OSCR) Oscar Health - Overview

Sector: HealthcareIndustry: Healthcare Plans | Exchange NYSE (USA) | Currency USD | Market Cap: 3.525m | Total Return -15% in 12m

Stock Health Plans, Technology Platform, Reinsurance, Brokerage Services
Total Rating 6
Risk 31
Buy Signal -2.50
Healthcare Plans -0.2
Life & Health Insurance +4.2
Market Cap: 3,525m
Avg Trading Vol: 81.9M USD
ATR: 6.14%
Peers RS (IBD): 7.1
Risk 5d forecast
Volatility74.0%
Rel. Tail Risk-14.9%
Reward TTM
Sharpe Ratio0.10
Alpha-32.60
Character TTM
Beta1.089
Beta Downside0.675
Drawdowns 3y
Max DD52.15%
CAGR/Max DD0.38
EPS (Earnings per Share) EPS (Earnings per Share) of OSCR over the last years for every Quarter: "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, "2025-12": -1.24,
EPS CAGR: -52.50%
EPS Trend: 6.1%
Last SUE: -2.46
Qual. Beats: 0
Revenue Revenue of OSCR over the last years for every Quarter: 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: 2392.436, 2025-03: 3046.263, 2025-06: 2863.945, 2025-09: 2985.984, 2025-12: 2805.235,
Rev. CAGR: 31.28%
Rev. Trend: 96.2%
Last SUE: -3.10
Qual. Beats: 0
Risks
Technicals: volatile
Description: OSCR Oscar Health March 04, 2026

Oscar Health, Inc. (OSCR) is a US-based healthcare technology company. It provides health insurance plans to individuals, families, and small businesses. The company operates in the Life & Health Insurance sector, a highly regulated industry.

Beyond insurance, Oscar Health offers technology platforms. Its +Oscar platform supports other healthcare entities, and Campaign Builder is an engagement tool for providers and payors. This business model combines traditional insurance with healthtech solutions, a growing trend in the sector.

Oscar Health also offers reinsurance and brokerage services, including an enrollment platform for medical and supplemental health products. The company, formerly Mulberry Health Inc., was founded in 2012.

For more detailed financial analysis and performance metrics, further research on ValueRay is recommended.

Headlines to Watch Out For
  • Individual and group health plan enrollment drives premium revenue
  • +Oscar platform adoption expands technology services income
  • Medical loss ratio directly impacts profitability
  • Regulatory changes to ACA marketplace affect enrollment and subsidies
  • Interest rate hikes increase cost of capital for growth initiatives
Piotroski VR‑10 (Strict, 0-10) 2.0
Net Income: -443.2m TTM > 0 and > 6% of Revenue
FCF/TA: 0.17 > 0.02 and ΔFCF/TA -2.90 > 1.0
NWC/Revenue: -2.13% < 20% (prev -6.73%; Δ 4.60% < -1%)
CFO/TA 0.17 > 3% & CFO 1.09b > Net Income -443.2m
Net Debt/EBITDA: error (EBITDA <= 0)
Current Ratio: 0.95 > 1.5 & < 3
Outstanding Shares: last quarter (283.2m) vs 12m ago 6.54% < -2%
Gross Margin: 14.38% > 18% (prev 0.77%; Δ 1.36k% > 0.5%)
Asset Turnover: 209.6% > 50% (prev 189.6%; Δ 19.98% > 0%)
Interest Coverage Ratio: -21.21 > 6 (EBITDA TTM -391.0m / Interest Expense TTM 19.8m)
Altman Z'' -3.11
A: -0.04 (Total Current Assets 4.61b - Total Current Liabilities 4.86b) / Total Assets 6.33b
B: -0.52 (Retained Earnings -3.29b / Total Assets 6.33b)
C: -0.08 (EBIT TTM -419.9m / Avg Total Assets 5.58b)
D: -0.61 (Book Value of Equity -3.28b / Total Liabilities 5.34b)
Altman-Z'' Score: -3.11 = D
Beneish M 0.77
DSRI: 1.10 (Receivables 442.6m/315.9m, Revenue 11.70b/9.18b)
GMI: 5.39 (GM 14.38% / 77.50%)
AQI: 0.64 (AQ_t 0.26 / AQ_t-1 0.40)
SGI: 1.27 (Revenue 11.70b / 9.18b)
TATA: -0.24 (NI -443.2m - CFO 1.09b) / TA 6.33b)
Beneish M-Score: 0.77 (Cap -4..+1) = D
What is the price of OSCR shares? As of March 30, 2026, the stock is trading at USD 11.14 with a total of 8,312,428 shares traded.
Over the past week, the price has changed by -8.76%, over one month by -18.33%, over three months by -23.33% and over the past year by -15.03%.
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.
  • StrongBuy: 2
  • Buy: 1
  • Hold: 2
  • Sell: 1
  • StrongSell: 1
What are the forecasts/targets for the OSCR price?
ISSUER TARGET UP/DOWN
Wallstreet Target Price 15.4 38.2%
Analysts Target Price 15.4 38.2%
OSCR Fundamental Data Overview March 28, 2026
P/E Forward = 588.2353
P/S = 0.3013
P/B = 3.8465
Revenue TTM = 11.70b USD
EBIT TTM = -419.9m USD
EBITDA TTM = -391.0m USD
Long Term Debt = 430.1m USD (from longTermDebt, last quarter)
 Short Term Debt = unknown (none)
 Debt = 430.1m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -2.34b USD (from netDebt column, last quarter)
Enterprise Value = -35.2m USD (3.53b + Debt 430.1m - CCE 3.99b)
Interest Coverage Ratio = -21.21 (Ebit TTM -419.9m / Interest Expense TTM 19.8m)
EV/FCF = -0.03x (Enterprise Value -35.2m / FCF TTM 1.06b)
 FCF Yield = -3.01k% (FCF TTM 1.06b / Enterprise Value -35.2m)
 FCF Margin = 9.05% (FCF TTM 1.06b / Revenue TTM 11.70b)
Net Margin = -3.79% (Net Income TTM -443.2m / Revenue TTM 11.70b)
Gross Margin = 14.38% ((Revenue TTM 11.70b - Cost of Revenue TTM 10.02b) / Revenue TTM)
Gross Margin QoQ = 6.60% (prev 13.38%)
 Tobins Q-Ratio = -0.01 (set to none) (Enterprise Value -35.2m / Total Assets 6.33b)
 Interest Expense / Debt = 0.26% (Interest Expense 1.10m / Debt 430.1m)
Taxrate = 21.0% (US default 21%)
NOPAT = -331.7m (EBIT -419.9m * (1 - 21.00%)) [loss with tax shield]
Current Ratio = 0.95 (Total Current Assets 4.61b / Total Current Liabilities 4.86b)
Debt / Equity = 0.44 (Debt 430.1m / totalStockholderEquity, last quarter 977.6m)
 Debt / EBITDA = 6.00 (negative EBITDA) (Net Debt -2.34b / EBITDA -391.0m)
 Debt / FCF = -2.21 (Net Debt -2.34b / FCF TTM 1.06b)
Total Stockholder Equity = 1.12b (last 4 quarters mean from totalStockholderEquity)
RoA = -7.94% (Net Income -443.2m / Total Assets 6.33b)
RoE = -39.45% (Net Income TTM -443.2m / Total Stockholder Equity 1.12b)
RoCE = -27.03% (EBIT -419.9m / Capital Employed (Equity 1.12b + L.T.Debt 430.1m))
 RoIC = -21.37% (negative operating profit) (NOPAT -331.7m / Invested Capital 1.55b)
 WACC = 8.77% (E(3.53b)/V(3.96b) * Re(9.81%) + D(430.1m)/V(3.96b) * Rd(0.26%) * (1-Tc(0.21)))
Discount Rate = 9.81% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 11.68%
[DCF] Terminal Value 67.26% ; FCFF base≈1.02b ; Y1≈666.5m ; Y5≈304.8m
[DCF] Fair Price = 29.23 (EV 5.32b - Net Debt -2.34b = Equity 7.66b / Shares 262.2m; r=8.77% [WACC]; 5y FCF grow -40.0% → 3.0% )
EPS Correlation: 6.13 | EPS CAGR: -52.50% | SUE: -2.46 | # QB: 0
Revenue Correlation: 96.23 | Revenue CAGR: 31.28% | SUE: -3.10 | # QB: 0
EPS next Quarter (2026-06-30): EPS=0.14 | Chg7d=+0.044 | Chg30d=+0.292 | Revisions Net=+1 | Analysts=5
EPS current Year (2026-12-31): EPS=0.63 | Chg7d=+0.000 | Chg30d=+0.623 | Revisions Net=+5 | Growth EPS=+137.1% | Growth Revenue=+60.5%
EPS next Year (2027-12-31): EPS=1.35 | Chg7d=+0.000 | Chg30d=+0.350 | Revisions Net=+4 | Growth EPS=+114.8% | Growth Revenue=+0.7%
[Analyst] Revisions Ratio: +0.33 (2 Up / 1 Down within 30d for Next Quarter)
Additional Sources for OSCR Stock Fund Manager Positions: Dataroma · Stockcircle