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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 Mid Cap
Oscar Health, Inc. (OSCR), is a Mid Cap company, in the Healthcare Plans industry, last closed at $17.18, about 316.8% undervalued vs fair value, +38.7% 1Y return, ranked 1011/1121 in sector.
Metrics Rev Growth 27.5% ROE -44.5%
$17.18
5.01%
As of April 28, 2026
Previous close • Vol 90d: 58.3%
52-Week Range
Market Cap
$5.11B
Enterprise Value
$2.77B
Overall Score
View breakdown
Overall
Growth
Fair
Profitability
Weak
Health
Weak
Efficiency
Fair
Valuation
Weak
Growth
Fair
Profitability
Weak
Health
Weak
Efficiency
Fair
Valuation
Weak
Completeness: 70%
Confidence: 45%
Updated: Mar 8
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

Earnings May 11 Estimated

Fair Value Snapshot

Bear Base Bull
$63
$72
$81
Current: $17.18 +317% 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
-238.9%
Poor

FCF / Net Income - measures how well earnings convert to cash

Locked Metric
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$3.1M
0.3% of FCF

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
41
/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 (49.9%), Profitability (26.4%), and Safety (23.8%). Growth 50% Safety 24% Profitability 26%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

63th percentile vs peers
64
Key Signals
Rev Growth YoY 27.5% 85p Revenue CAGR 3Y 41.5% 85p EPS Growth YoY -18.66 5p
Strengths
  • Rev Growth YoY in top 20% of peers (27.5%, 85th percentile)
  • Revenue CAGR 3Y in top 20% of peers (41.5%, 85th percentile)
  • Growth above peer median with strong metric coverage (75%)
  • FCF Margin in top 20% of peers (9.0%, 95th percentile)
  • Gross Profit Margin in top 20% of peers (1.00, 95th percentile)
Risks
  • EPS Growth YoY in bottom 20% of peers (-18.66)

Profitability

33th percentile vs peers
34
Key Signals
Strengths
Risks
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Safety

30th percentile vs peers
30
Key Signals
Strengths
Safety drilldowns are available to premium members.

Two Futures

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

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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:

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  • Shell companies or holding companies
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  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$71.60
- - -
+316.8% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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