(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
Dividends
Currently no dividends paid| Risk via 10d forecast | |
|---|---|
| Volatility | 91.1% |
| Value at Risk 5%th | 119% |
| Relative Tail Risk | -20.25% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.48 |
| Alpha | -9.80 |
| CAGR/Max DD | 1.72 |
| Character TTM | |
|---|---|
| Hurst Exponent | 0.523 |
| Beta | 1.059 |
| Beta Downside | 1.314 |
| Drawdowns 3y | |
|---|---|
| Max DD | 50.17% |
| Mean DD | 22.46% |
| Median DD | 22.92% |
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.
Piotroski VR‑10 (Strict, 0-10) 2.5
| Net Income (-244.1m TTM) > 0 and > 6% of Revenue (6% = 677.3m TTM) |
| FCFTA 0.13 (>2.0%) and ΔFCFTA -7.30pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue -1.90% (prev -7.14%; Δ 5.24pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.13 (>3.0%) and CFO 769.8m > Net Income -244.1m (YES >=105%, WARN >=100%) |
| NO Net Debt/EBITDA fails (EBITDA <= 0) |
| Current Ratio 0.95 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (259.3m) change vs 12m ago 6.65% (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 220.7% (prev 183.3%; Δ 37.43pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio -8.64 (EBITDA TTM -183.3m / Interest Expense TTM 24.7m) >= 6 (WARN >= 3) |
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 (Balance) -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 |
| Total Rating: -2.85 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 47.76
| 1. Piotroski 2.50pt |
| 2. FCF Yield 48.03% |
| 3. FCF Margin 6.52% |
| 4. Debt/Equity 0.67 |
| 5. Debt/Ebitda 7.98 |
| 6. ROIC - WACC (= -22.37)% |
| 7. RoE -21.56% |
| 8. Rev. Trend 95.49% |
| 9. EPS Trend 33.74% |
What is the price of OSCR shares?
As of December 01, 2025, the stock is trading at USD 17.97 with a total of 5,958,352 shares traded.
Over the past week, the price has changed by +33.31%, over one month by -8.03%, over three months by +4.23% and over the past year by +3.69%.
Over the past week, the price has changed by +33.31%, over one month by -8.03%, over three months by +4.23% and over the past year by +3.69%.
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 | 12.9 | -28.3% |
| Analysts Target Price | 12.9 | -28.3% |
| ValueRay Target Price | 20.3 | 12.7% |
OSCR Fundamental Data Overview November 25, 2025
Market Cap USD = 3.88b (3.88b USD * 1.0 USD.USD)
P/E Forward = 588.2353
P/S = 0.3439
P/B = 3.7904
Beta = 1.878
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 = 1.53b USD (3.88b + Debt 686.3m - CCE 3.04b)
Interest Coverage Ratio = -8.64 (Ebit TTM -213.6m / Interest Expense TTM 24.7m)
FCF Yield = 48.03% (FCF TTM 735.6m / Enterprise Value 1.53b)
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 = 0.27 (Enterprise Value 1.53b / Total Assets 5.75b)
Interest Expense / Debt = 1.00% (Interest Expense 6.86m / Debt 686.3m)
Taxrate = 1.30% (-1.81m / -139.3m)
NOPAT = -210.8m (EBIT -213.6m * (1 - 1.30%)) [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 = -4.25% (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 = -13.79% (negative operating profit) (NOPAT -210.8m / Invested Capital 1.53b)
WACC = 8.58% (E(3.88b)/V(4.57b) * Re(9.92%) + D(686.3m)/V(4.57b) * Rd(1.00%) * (1-Tc(0.01)))
Discount Rate = 9.92% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 33.33 | Cagr: 6.85%
[DCF Debug] Terminal Value 62.48% ; FCFE base≈801.8m ; Y1≈526.4m ; Y5≈240.7m
Fair Price DCF = 14.17 (DCF Value 3.57b / Shares Outstanding 252.3m; 5y FCF grow -40.0% → 3.0% )
EPS Correlation: 33.74 | EPS CAGR: 41.41% | SUE: -0.22 | # QB: 0
Revenue Correlation: 95.49 | Revenue CAGR: 59.35% | SUE: -1.07 | # QB: 0
EPS next Quarter (2026-03-31): EPS=0.55 | Chg30d=+0.195 | Revisions Net=+1 | Analysts=4
EPS current Year (2025-12-31): EPS=-1.29 | Chg30d=+0.100 | Revisions Net=+3 | Growth EPS=-1387.3% | Growth Revenue=+30.8%
EPS next Year (2026-12-31): EPS=-0.15 | Chg30d=+0.168 | Revisions Net=+3 | Growth EPS=+88.0% | Growth Revenue=+1.9%
P/E Forward = 588.2353
P/S = 0.3439
P/B = 3.7904
Beta = 1.878
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 = 1.53b USD (3.88b + Debt 686.3m - CCE 3.04b)
Interest Coverage Ratio = -8.64 (Ebit TTM -213.6m / Interest Expense TTM 24.7m)
FCF Yield = 48.03% (FCF TTM 735.6m / Enterprise Value 1.53b)
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 = 0.27 (Enterprise Value 1.53b / Total Assets 5.75b)
Interest Expense / Debt = 1.00% (Interest Expense 6.86m / Debt 686.3m)
Taxrate = 1.30% (-1.81m / -139.3m)
NOPAT = -210.8m (EBIT -213.6m * (1 - 1.30%)) [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 = -4.25% (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 = -13.79% (negative operating profit) (NOPAT -210.8m / Invested Capital 1.53b)
WACC = 8.58% (E(3.88b)/V(4.57b) * Re(9.92%) + D(686.3m)/V(4.57b) * Rd(1.00%) * (1-Tc(0.01)))
Discount Rate = 9.92% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 33.33 | Cagr: 6.85%
[DCF Debug] Terminal Value 62.48% ; FCFE base≈801.8m ; Y1≈526.4m ; Y5≈240.7m
Fair Price DCF = 14.17 (DCF Value 3.57b / Shares Outstanding 252.3m; 5y FCF grow -40.0% → 3.0% )
EPS Correlation: 33.74 | EPS CAGR: 41.41% | SUE: -0.22 | # QB: 0
Revenue Correlation: 95.49 | Revenue CAGR: 59.35% | SUE: -1.07 | # QB: 0
EPS next Quarter (2026-03-31): EPS=0.55 | Chg30d=+0.195 | Revisions Net=+1 | Analysts=4
EPS current Year (2025-12-31): EPS=-1.29 | Chg30d=+0.100 | Revisions Net=+3 | Growth EPS=-1387.3% | Growth Revenue=+30.8%
EPS next Year (2026-12-31): EPS=-0.15 | Chg30d=+0.168 | Revisions Net=+3 | Growth EPS=+88.0% | Growth Revenue=+1.9%
Additional Sources for OSCR Stock
News:
Wall Street Journal |
Benzinga |
Yahoo Finance
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle