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): 131.38%
EPS Trend (3Y Correlation): 10.5%

OSCR Revenue

Revenue Growth (3Y CAGR): 46.87%
Revenue Trend (3Y Correlation): 95.2%

Risk via 10d forecast
Volatility	86.9%
Value at Risk 5%th	118%
Relative Tail Risk	-17.55%

Reward TTM
Sharpe Ratio	0.39
Alpha	-11.16

Character TTM
Hurst Exponent	0.574
Beta	0.956
Beta Downside	1.314

Drawdowns 3y
Max DD	50.17%
Mean DD	22.20%
Median DD	22.74%

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	5,103m
Sub-Industry	Life & Health Insurance
IPO / Inception	2021-03-03
Return 12m vs S&P 500	-21.6%
Analyst Rating	3.29 of 5

OSCR Dividends

Currently no dividends paid

OSCR Growth Ratios

CAGR 3y	69.94%
CAGR/Max DD Calmar Ratio	1.39
CAGR/Mean DD Pain Ratio	3.15
Current Volume	12623.7k
Average Volume	13325.5k

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 -3.28 (EBITDA TTM -58.2m / Interest Expense TTM 24.7m) >= 6 (WARN >= 3)

Altman Z'' -2.67

(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

(D) -0.62 = Book Value of Equity -2.93b / Total Liabilities 4.72b

Total Rating: -2.67 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D)

ValueRay F-Score (Strict, 0-100) 46.58

1. Piotroski 2.50pt = -2.50

2. FCF Yield 26.73% = 5.0

3. FCF Margin 6.52% = 1.63

4. Debt/Equity 0.67 = 2.28

5. Debt/Ebitda 25.12 = -2.50

6. ROIC - WACC (= -13.98)% = -12.50

7. RoE -21.56% = -2.50

8. Rev. Trend 95.22% = 7.14

9. EPS Trend 10.53% = 0.53

What is the price of OSCR shares?

As of November 17, 2025, the stock is trading at USD 13.88 with a total of 12,623,715 shares traded.
Over the past week, the price has changed by -21.67%, over one month by -32.91%, over three months by -5.45% and over the past year by -10.10%.

Is Oscar Health a good stock to buy?

No, based on ValueRay´s Fundamental Analyses, Oscar Health (NYSE:OSCR) is currently (November 2025) a stock to sell. It has a ValueRay Fundamental Rating of 46.58 and therefor a negative outlook according to the companies health.
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of OSCR is around 13.54 USD . This means that OSCR is currently overvalued and has a potential downside of -2.45%.

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	13.3	-4.5%
Analysts Target Price	13.3	-4.5%
ValueRay Target Price	15.1	8.9%

OSCR Fundamental Data Overview November 11, 2025

Market Cap USD = 5.10b (5.10b USD * 1.0 USD.USD)
P/E Forward = 588.2353
P/S = 0.452
P/B = 4.3033
Beta = 1.878
Revenue TTM = 11.29b USD
EBIT TTM = -81.1m USD
EBITDA TTM = -58.2m USD
Long Term Debt = 299.6m USD (from longTermDebt, last fiscal year)
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 = 2.75b USD (5.10b + Debt 686.3m - CCE 3.04b)
Interest Coverage Ratio = -3.28 (Ebit TTM -81.1m / Interest Expense TTM 24.7m)
FCF Yield = 26.73% (FCF TTM 735.6m / Enterprise Value 2.75b)
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 = 0.48 (Enterprise Value 2.75b / Total Assets 5.75b)
Interest Expense / Debt = 1.00% (Interest Expense 6.86m / Debt 686.3m)
Taxrate = 1.30% (-1.81m / -139.3m)
NOPAT = -80.1m (EBIT -81.1m * (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 = 25.12 (negative EBITDA) (Net Debt -1.46b / EBITDA -58.2m)
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 = -5.67% (EBIT -81.1m / Capital Employed (Equity 1.13b + L.T.Debt 299.6m))
RoIC = -5.46% (negative operating profit) (NOPAT -80.1m / Invested Capital 1.47b)
WACC = 8.53% (E(5.10b)/V(5.79b) * Re(9.54%) + D(686.3m)/V(5.79b) * Rd(1.00%) * (1-Tc(0.01)))
Discount Rate = 9.54% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 33.33 | Cagr: 6.85%
[DCF Debug] Terminal Value 64.00% ; FCFE base≈801.8m ; Y1≈526.4m ; Y5≈240.7m
Fair Price DCF = 14.89 (DCF Value 3.76b / Shares Outstanding 252.3m; 5y FCF grow -40.0% → 3.0% )
EPS Correlation: 10.53 | EPS CAGR: 131.4% | SUE: -0.23 | # QB: 0
Revenue Correlation: 95.22 | Revenue CAGR: 46.87% | SUE: -1.07 | # QB: 0

Additional Sources for OSCR Stock

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