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 …
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Competitive advantage assessment
Key strengths
Cash Generation ConsistentCash generation is consistent (score 1.00), indicating reliable business model.
Operating Leverage in EffectOperating leverage is evident (score 0.89), with margins expanding over time.
Key risks
ROIC Below WACC or PeersROIC at 22.2th percentile suggests inefficient capital deployment.
Revenue Volatility Signals Weak StickinessRevenue volatility is high (stability score 0.11), suggesting weak customer stickiness.
The dashed ring is the peer median. Defense scores are percentile ranks
against peers, so 50 is roughly the typical company in this group.
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Oscar Health, Inc. ranks #8 of 11
scored companies in Healthcare Plans by moat score — the top 73%.
The widest moat in the group is Elevance Health, Inc. (ELV)
at 74/100.
Moat scores for companies ranked near OSCR in Healthcare Plans
Pricing power is the ability to raise prices without losing volume.
Cost Advantage
Score 27
· 15% of the moat score
A cost advantage means delivering the same product for structurally less — better purchasing, denser distribution, a more automated process.
Customer Stickiness
Score 39
· 15% of the moat score
Stickiness is what makes revenue repeat without being re-won every year.
Capital Efficiency
Score 16
· 18% of the moat score
Capital efficiency asks what the company earns on the money tied up in the business.
Resilience
Score 64
· 17% of the moat score
Resilience is the capacity to get through a bad year on its own terms — enough liquidity, enough interest cover, and enough cash generation to avoid a rescue financing or a forced sale.
Scale & Market Position
Score 73
· 15% of the moat score
Scale matters only when it converts into economics.
Oscar Health, Inc. (OSCR) scores 38 out of 100 on the StatsAlpha Moat Map, which rates its competitive advantage as developing. It ranks #8 of 11 scored companies in Healthcare Plans, the top 73%. The score is a weighted composite of 6 competitive defenses, each measured against industry peers of 10 companies in Healthcare Plans. Its strongest defense is Scale & Market Position (73/100) and its weakest is Capital Efficiency (16/100).
How does Oscar Health, Inc. compare with other Healthcare Plans companies?
Oscar Health, Inc. ranks #8 of 11 scored companies in Healthcare Plans by moat score. The widest moat in Healthcare Plans is Elevance Health, Inc. (ELV) at 74/100. The companies ranked closest are Alignment Healthcare, Inc. (ALHC) at 43 just above it and Centene Corporation (CNC) at 29 just below it.
How is the moat score calculated?
Each company is scored with an industry-specific template — Corporate Default in this case, chosen because the defenses that matter to a bank are not the ones that matter to a software company. Every defense combines several financial signals, and each signal is measured as a percentile against a peer group of 10 companies in Healthcare Plans. The defenses are then weighted to produce the overall score out of 100.
Why is Oscar Health, Inc. scored with the Corporate Default template?
Most public companies sell a product or a service at a margin, so the moat question is whether that margin survives contact with competitors. The Corporate template scores the six defenses that show up in a general operating company's financial signature: whether it can hold price, produce more cheaply than rivals, keep its customers, earn a return above its cost of capital, withstand a downturn, and turn size into economics.
Which competitive defenses are measured for Oscar Health, Inc.?
The Corporate Default template measures 6 defenses, and OSCR scores: Pricing Power (21), Cost Advantage (27), Customer Stickiness (39), Capital Efficiency (16), Resilience (64), Scale & Market Position (73). Each is scored independently as a percentile against peers, so a company can be strong on one and weak on another — the overall score reflects how those defenses are weighted for this industry.
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