OSCR Stock Analysis: Oscar Health | NYSE
Healthcare Plans | NYSE, USA | Market Cap: 9.139m USD | 12M Return: 123.2% | US6877931096 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 145M
Qual. Beats: 2
Rev. Trend: 99.4%
Qual. Beats: 0
Warnings
Tailwinds
Seasonality 5.4 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Oscar Health, Inc. (NYSE: OSCR) is a U.S.-based healthcare technology company that provides health insurance plans to individuals, families, employees, and small group markets. Beyond core insurance, the company operates a technology-focused business line that includes its +Oscar platform, which provides infrastructure to other healthcare participants, and the Campaign Builder engagement and recommendation tool for providers and payors. The company also offers reinsurance products and operates a brokerage and enrollment platform that enables brokers and consumers to shop for and enroll in medical and supplemental health products.
The company was originally incorporated in 2012 as Mulberry Health Inc., was renamed Oscar Health, Inc. in January 2021, and is headquartered in New York, New York. Oscar sits at the intersection of the health insurance and health technology sectors, combining a regulated insurer business with software platforms that are sold to other industry participants, an approach commonly referred to as an insurtech or healthtech hybrid model. As a GICS-classified Life & Health Insurance company, its revenue is largely driven by health plan premiums, with growth increasingly supported by technology and platform-related services.
- ACA marketplace enrollment growth lifts premium revenue
- Medical loss ratio trends swing quarterly profitability
- +Oscar platform expansion adds tech services revenue
| Net Income: 550.7m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.39 > 0.02 and ΔFCF/TA 19.79 > 1.0 |
| NWC/Revenue: 4.46% < 20% (prev -5.15%; Δ 9.61% < -1%) |
| CFO/TA 0.39 > 3% & CFO 4.37b > Net Income 550.7m |
| Net Debt (-8.12b) to EBITDA (633.7m): -12.82 < 3 |
| Current Ratio: 1.08 > 1.5 & < 3 |
| Outstanding Shares: last quarter (333.4m) vs 12m ago 23.38% < -2% |
| Gross Margin: 34.60% > 18% (prev 31.64%; Δ 2.96% > 0.5%) |
| Asset Turnover: 174.0% > 50% (prev 168.0%; Δ 5.96% > 0%) |
| Interest Coverage Ratio: 33.55 > 6 (EBIT TTM 605.5m / Interest Expense TTM 18.0m) |
| A: 0.06 (Total Current Assets 9.37b - Total Current Liabilities 8.69b) / Total Assets 11.2b |
| B: -0.20 (Retained Earnings -2.25b / Total Assets 11.2b) |
| C: 0.07 (EBIT TTM 605.5m / Avg Total Assets 8.81b) |
| D: 0.22 (Book Value of Equity 2.05b / Total Liabilities 9.17b) |
| Altman-Z'' = 0.44 = B |
| DSRI: 0.36 (Receivables 380.1m/745.7m, Revenue 15.3b/10.7b) |
| GMI: 0.91 (GM 31.64% / 34.60%) |
| AQI: 0.50 (AQ_t 0.16 / AQ_t-1 0.31) |
| SGI: 1.43 (Revenue 15.3b / 10.7b) |
| TATA: -0.34 (NI 550.7m - CFO 4.37b) / TA 11.2b) |
| Beneish M = -3.66 (Cap -4..+1) = AAA |
As of August 16, 2026, the stock is trading at USD 32.76 with a total of 6,586,151 shares traded. Over the past week, the price has changed by +17.42%, over one month by +5.44%, over three months by +41.51% and over the past year by +123.16%.
Current recommended Stop Loss: 29.50 (which is 10% or 1.8 ATR below the current price).
Oscar Health has received a consensus analysts rating of 3.29. Therefore, it is recommended to hold OSCR.
- StrongBuy: 2
- Buy: 1
- Hold: 2
- Sell: 1
- StrongSell: 1
| Analysts Target Price | 29 | -11.5% |
P/E Trailing = 22.7769
P/E Forward = 588.2353
P/S = 0.5966
P/B = 4.1618
Revenue TTM = 15.3b USD
EBIT TTM = 605.5m USD
EBITDA TTM = 633.7m USD
Long Term Debt = 431.6m USD (from longTermDebt, last quarter)
Short Term Debt = unknown (none)
Debt = 431.6m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -8.12b USD (calculated: Debt 431.6m - CCE 8.56b)
Enterprise Value = 1.02b USD (9.14b + Debt 431.6m - CCE 8.56b)
Interest Coverage Ratio = 33.55 (Ebit TTM 605.5m / Interest Expense TTM 18.0m)
EV/FCF = 0.23x (Enterprise Value 1.02b / FCF TTM 4.33b)
FCF Yield = 427.0% (FCF TTM 4.33b / Enterprise Value 1.02b)
FCF Margin = 28.30% (FCF TTM 4.33b / Revenue TTM 15.3b)
Net Margin = 3.60% (Net Income TTM 550.7m / Revenue TTM 15.3b)
Gross Margin = 34.60% ((Revenue TTM 15.3b - Cost of Revenue TTM 10.0b) / Revenue TTM)
Gross Margin QoQ = none% (prev 30.50%)
Tobins Q-Ratio = 0.09 (Enterprise Value 1.02b / Total Assets 11.2b)
Interest Expense / Debt = 4.18% (Interest Expense 18.0m / Debt 431.6m)
Taxrate = 6.59% (38.9m / 589.8m)
NOPAT = 565.5m (EBIT 605.5m * (1 - 6.59%))
Current Ratio = 1.08 (Total Current Assets 9.37b / Total Current Liabilities 8.69b)
Debt / Equity = 0.21 (Debt 431.6m / totalStockholderEquity, last quarter 2.05b)
Debt / EBITDA = -12.82 (Net Debt -8.12b / EBITDA 633.7m)
Debt / FCF = -1.87 (Net Debt -8.12b / FCF TTM 4.33b)
Total Stockholder Equity = 1.43b (last 4 quarters mean from totalStockholderEquity)
RoA = 6.25% (Net Income 550.7m / Total Assets 11.2b)
RoE = 38.53% (Net Income TTM 550.7m / Total Stockholder Equity 1.43b)
RoCE = 32.53% (EBIT 605.5m / Capital Employed (Equity 1.43b + L.T.Debt 431.6m))
RoIC = 31.93% (NOPAT 565.5m / Invested Capital 1.77b)
WACC = 8.06% (E(9.14b)/V(9.57b) * Re(8.26%) + D(431.6m)/V(9.57b) * Rd(4.18%) * (1-Tc(0.07)))
Discount Rate = 8.26% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 41.80 | Cagr: 5.79%
[DCF] Terminal Value 77.97% ; FCFF base≈3.08b ; Y1≈3.53b ; Y5≈5.20b
[DCF] Fair Price = 315.8 (EV 78.2b - Net Debt -8.12b = Equity 86.4b / Shares 273.5m; r=8.35% [WACC [floored]]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: N/A | EPS CAGR: N/A | SUE: 1.77 | # QB: 2
Revenue Correlation: 99.36 | Revenue CAGR: 43.65% | SUE: 0.75 | # QB: 0
EPS current Quarter (2026-09-30): EPS=-0.18 | Chg30d=+10.44% | Revisions=-40% | Analysts=9
EPS current Year (2026-12-31): EPS=1.80 | Chg30d=+69.34% | Revisions=+40% | GrowthEPS=+206.6% | GrowthRev=+58.9%
EPS next Year (2027-12-31): EPS=1.84 | Chg30d=+23.62% | Revisions=+57% | GrowthEPS=+2.3% | GrowthRev=+7.1%
[Analyst] Revisions Ratio: +36% (up=6, down=2)