(OSCR) Oscar Health - Ratings and Ratios
Health Plans, Reinsurance, Platform
OSCR EPS (Earnings per Share)
OSCR Revenue
Description: OSCR Oscar Health
Oscar Health, Inc. (NYSE:OSCR) is a healthcare technology company operating in the United States, offering health plans to various market segments and providing technology platforms to support healthcare providers and payors. The companys +Oscar platform and Campaign Builder enable others in the healthcare system, while also offering reinsurance products.
From a business perspective, Oscar Healths revenue growth is a key performance indicator (KPI). With a market cap of $3.57 billion, the companys ability to expand its customer base and increase revenue is crucial. The companys return on equity (RoE) of 10.61% indicates a relatively stable financial performance. To further evaluate the companys prospects, its essential to monitor metrics such as customer acquisition costs, retention rates, and medical loss ratio (MLR).
In the life and health insurance sub-industry, Oscar Health faces competition from established players. To gauge the companys competitive positioning, its necessary to analyze its market share, product offerings, and pricing strategy. The companys P/E ratio of 35.00 suggests that investors have certain growth expectations, which can be validated by examining revenue growth rates and projected earnings.
To make informed investment decisions, its crucial to monitor Oscar Healths operational KPIs, such as the number of health plans sold, customer satisfaction ratings, and the adoption rate of its technology platforms. By analyzing these metrics, investors can gain insights into the companys ability to execute its business strategy and drive long-term growth.
OSCR Stock Overview
| Market Cap in USD | 5,013m |
| Sub-Industry | Life & Health Insurance |
| IPO / Inception | 2021-03-03 |
OSCR Stock Ratings
| Growth Rating | 60.5% |
| Fundamental | 51.9% |
| Dividend Rating | - |
| Return 12m vs S&P 500 | 8.54% |
| Analyst Rating | 3.29 of 5 |
OSCR Dividends
Currently no dividends paidOSCR Growth Ratios
| Growth Correlation 3m | 89.9% |
| Growth Correlation 12m | 32.1% |
| Growth Correlation 5y | 16.9% |
| CAGR 5y | 81.17% |
| CAGR/Max DD 3y (Calmar Ratio) | 1.62 |
| CAGR/Mean DD 3y (Pain Ratio) | 3.51 |
| Sharpe Ratio 12m | -0.42 |
| Alpha | -14.41 |
| Beta | 1.888 |
| Volatility | 71.82% |
| Current Volume | 14032.4k |
| Average Volume 20d | 18383.8k |
| Stop Loss | 18.7 (-7.3%) |
| Signal | -0.50 |
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 |
| (C) -0.02 = EBIT TTM -127.6m / Avg Total Assets 5.57b |
| (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 67.64% = 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 (= -20.86)% = -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?
Over the past week, the price has changed by -1.08%, over one month by +9.08%, over three months by +48.16% and over the past year by +26.36%.
Is Oscar Health a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of OSCR is around 19.57 USD . This means that OSCR is currently overvalued and has a potential downside of -3.02%.
Is OSCR a buy, sell or hold?
- 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 | -38.7% |
| Analysts Target Price | 12.4 | -38.7% |
| ValueRay Target Price | 22.6 | 11.8% |
Last update: 2025-10-20 03:59
OSCR Fundamental Data Overview
P/E Forward = 588.2353
P/S = 0.4674
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 = 1.78b USD (5.01b + Debt 299.9m - CCE 3.54b)
Interest Coverage Ratio = -5.39 (Ebit TTM -127.6m / Interest Expense TTM 23.7m)
FCF Yield = 67.64% (FCF TTM 1.20b / Enterprise Value 1.78b)
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 = 0.28 (Enterprise Value 1.78b / 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 = 12.35% (E(5.01b)/V(5.31b) * Re(12.97%) + D(299.9m)/V(5.31b) * 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
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle