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Company Analysis

Oscar Health, Inc. OSCR

A comprehensive view of key metrics, scores, and financial health for Oscar Health, Inc.

Overview of Oscar Health, Inc.

OSCR NYQ
Healthcare Healthcare Plans Framework: General Corporate Mid Cap
Oscar Health, Inc. (OSCR), is a Mid Cap company, in the Healthcare Plans industry, last closed at $30.77, about 129.8% undervalued vs fair value, +119.8% 1Y return, ranked 369/1145 in sector.
Metrics Rev Growth 27.5% ROE -44.5% Gross Margin 14.4%
USD 30.77
3.95%
(Delayed)
• Vol 90d: 65.4%
52-Week Range
Market Cap
$9.40B
Enterprise Value
$5.02B
Overall Score
View breakdown
Overall
Growth
Excellent
Profitability
Good
Health
Weak
Efficiency
Good
Valuation
Good
Growth
Excellent
Profitability
Good
Health
Weak
Efficiency
Good
Valuation
Good
Completeness: 70%
Confidence: 79%
Updated: Jul 5
Top Beats
No strong beats yet

Quick Facts

Website https://www.hioscar.com
HQ New York, NY
Employees 2,305
Fiscal year Dec 31

Next Events

No upcoming events available.

Fair Value Snapshot

Bear Base Bull
$62
$71
$80
Current: $30.77 +130% vs base

Engine Room Money Flow™

Mid Cap

Corporate Free Cash Flow - Where revenue goes and how value is created

Flow Steps
Revenue
$11.7B
27.5%%
Gross Profit
$1.7B
-8.8%%
Operating Income
$-396.4M
-792.1%%
Net Income
$-443.2M
-1842.5%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Corporate Free Cash Flow

Quality & Reliability Indicators

Cash Conversion Ratio FY2025
-238.9%

Operating Cash Flow / Net Income

FCF / Net Income - not meaningful while net income is negative (a near-100% ratio here only reflects cash burn tracking accounting losses, not earnings quality)

Locked Metric
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Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
1
Active Leaks
0/1
Improving
0
High Impact
1
Critical
Moat Analysis Corporate Default

Competitive Advantage Assessment

Evaluating Oscar Health, Inc.'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
33
/100
Developing
Scores based on quantitative metrics and qualitative factors

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Pricing Power

Developing
27
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Generic Industrial / Default vs Industry Peers 85% Coverage
Trade-Off Triangle Visualization A ternary plot showing OSCR's balance between Growth (46.8%), Profitability (23.6%), and Safety (29.6%). Growth 47% Safety 30% Profitability 24%

Click axes to expand details. Marker shows current allocation.

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Growth

66th percentile vs peers
66
Key Signals
Rev Growth YoY 27.5% 86p Revenue CAGR 3Y 41.5% 93p EPS Growth YoY -18.66 1p
Strengths
  • Rev Growth YoY in top 20% of peers (27.5%, 86th percentile)
  • Revenue CAGR 3Y in top 20% of peers (41.5%, 93th percentile)
  • Growth above peer median with strong metric coverage (75%)
  • Cash Flow to Debt Ratio in top 20% of peers (2.65, 89th percentile)
Risks
  • EPS Growth YoY in bottom 20% of peers (-18.66)

Profitability

33th percentile vs peers
33
Key Signals
Strengths
Risks
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Safety

41th percentile vs peers
42
Key Signals
Strengths
Safety drilldowns are available to premium members.

Two Futures

Scenario-based fair value ranges for Oscar Health, Inc..

Loading valuation model...
Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$70.71
- - -
+129.8% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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