(OSCR) Oscar Health - Overview
Exchange: NYSE •
Country: United States •
Currency: USD •
Type: Common Stock •
ISIN: US6877931096
Stock:
Total Rating 5
Risk 31
Buy Signal -0.21
| Risk 5d forecast | |
|---|---|
| Volatility | 73.0% |
| Relative Tail Risk | -16.3% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.24 |
| Alpha | -27.78 |
| Character TTM | |
|---|---|
| Beta | 0.849 |
| Beta Downside | 0.408 |
| Drawdowns 3y | |
|---|---|
| Max DD | 50.17% |
| CAGR/Max DD | 0.81 |
EPS (Earnings per Share)
Revenue
Description: OSCR Oscar Health
Oscar Health, Inc. operates as a healthcare technology company in the United States. The company offers health plans to individuals, families, employees, and small group markets. It also provides +Oscar platform that power others throughout the healthcare system; Campaign Builder platform, an engagement and recommendation platform for providers and payors; and reinsurance products. In addition, the company offers brokerage services and enrollment platform for brokers and consumers to shop, buy, and enroll in medical and supplemental health products. The company was formerly known as Mulberry Health Inc. and changed its name to Oscar Health, Inc. in January 2021. Oscar Health, Inc. was incorporated in 2012 and is headquartered in New York, New York.
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 0.78%; Δ 1360 % > 0.5%) |
| Asset Turnover: 209.6% > 50% (prev 189.6%; Δ 19.97% > 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 February 28, 2026, the stock is trading at USD 13.64 with a total of 5,813,401 shares traded.
Over the past week, the price has changed by +3.10%, over one month by -8.33%, over three months by -24.10% and over the past year by -7.78%.
Over the past week, the price has changed by +3.10%, over one month by -8.33%, over three months by -24.10% and over the past year by -7.78%.
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 from current |
|---|---|---|
| Wallstreet Target Price | 15.4 | 12.9% |
| Analysts Target Price | 15.4 | 12.9% |
OSCR Fundamental Data Overview February 22, 2026
P/E Forward = 588.2353
P/S = 0.3366
P/B = 4.0293
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 = 378.7m USD (3.94b + Debt 430.1m - CCE 3.99b)
Interest Coverage Ratio = -21.21 (Ebit TTM -419.9m / Interest Expense TTM 19.8m)
EV/FCF = 0.36x (Enterprise Value 378.7m / FCF TTM 1.06b)
FCF Yield = 279.5% (FCF TTM 1.06b / Enterprise Value 378.7m)
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 = 0.06 (Enterprise Value 378.7m / 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 = 8.17% (E(3.94b)/V(4.37b) * Re(9.04%) + D(430.1m)/V(4.37b) * Rd(0.26%) * (1-Tc(0.21)))
Discount Rate = 9.04% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 33.33 | Cagr: 8.64%
[DCF] Terminal Value 69.45% ; FCFF base≈1.02b ; Y1≈666.4m ; Y5≈304.1m
[DCF] Fair Price = 30.96 (EV 5.77b - Net Debt -2.34b = Equity 8.12b / Shares 262.2m; r=8.17% [WACC]; 5y FCF grow -40.0% → 2.90% )
EPS Correlation: 6.13 | EPS CAGR: -52.50% | SUE: -2.38 | # QB: 0
Revenue Correlation: 96.23 | Revenue CAGR: 31.28% | SUE: -3.10 | # QB: 0
EPS next Quarter (2026-03-31): EPS=1.21 | Chg7d=+0.047 | Chg30d=+0.527 | Revisions Net=+2 | Analysts=5
EPS current Year (2026-12-31): EPS=0.63 | Chg7d=+0.236 | Chg30d=+0.653 | Revisions Net=+3 | Growth EPS=+137.1% | Growth Revenue=+53.5%
EPS next Year (2027-12-31): EPS=1.35 | Chg7d=+0.058 | Chg30d=+0.350 | Revisions Net=+3 | Growth EPS=+114.8% | Growth Revenue=+5.2%
[Analyst] Revisions Ratio: +0.50 (3 Up / 1 Down within 30d for Next Quarter)
P/S = 0.3366
P/B = 4.0293
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 = 378.7m USD (3.94b + Debt 430.1m - CCE 3.99b)
Interest Coverage Ratio = -21.21 (Ebit TTM -419.9m / Interest Expense TTM 19.8m)
EV/FCF = 0.36x (Enterprise Value 378.7m / FCF TTM 1.06b)
FCF Yield = 279.5% (FCF TTM 1.06b / Enterprise Value 378.7m)
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 = 0.06 (Enterprise Value 378.7m / 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 = 8.17% (E(3.94b)/V(4.37b) * Re(9.04%) + D(430.1m)/V(4.37b) * Rd(0.26%) * (1-Tc(0.21)))
Discount Rate = 9.04% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 33.33 | Cagr: 8.64%
[DCF] Terminal Value 69.45% ; FCFF base≈1.02b ; Y1≈666.4m ; Y5≈304.1m
[DCF] Fair Price = 30.96 (EV 5.77b - Net Debt -2.34b = Equity 8.12b / Shares 262.2m; r=8.17% [WACC]; 5y FCF grow -40.0% → 2.90% )
EPS Correlation: 6.13 | EPS CAGR: -52.50% | SUE: -2.38 | # QB: 0
Revenue Correlation: 96.23 | Revenue CAGR: 31.28% | SUE: -3.10 | # QB: 0
EPS next Quarter (2026-03-31): EPS=1.21 | Chg7d=+0.047 | Chg30d=+0.527 | Revisions Net=+2 | Analysts=5
EPS current Year (2026-12-31): EPS=0.63 | Chg7d=+0.236 | Chg30d=+0.653 | Revisions Net=+3 | Growth EPS=+137.1% | Growth Revenue=+53.5%
EPS next Year (2027-12-31): EPS=1.35 | Chg7d=+0.058 | Chg30d=+0.350 | Revisions Net=+3 | Growth EPS=+114.8% | Growth Revenue=+5.2%
[Analyst] Revisions Ratio: +0.50 (3 Up / 1 Down within 30d for Next Quarter)