Stock Analysis
Oscar Health, Inc.OSCR
P/E 17.87×· 5Y range 14.86–383.65×· bottom 16% of history
Sector: Financial Services · Industry: Hospital & Medical Service Plans
AnalystsHold19 analystsP/E 17.9× sits at the 16th percentile of its 5.059548254620124-year history.
Cash covers 928% of debt · FY 2025.
PMP Verdict
Mixed fundamentals, cheap valuation
Strengths
- Quality77
- Financial Health66
Risks
- Profitability36
- Growth37
Mixed business trading cheap — priced for skepticism.
Market context
-4.7% today· Z 2.1σ
Bull Case
- ✓ROE 56.3% — efficient capital deployment
- ✓Revenue CAGR 58.8% — durable top-line growth
- ✓Interest coverage 31.4× — debt well covered
- ✓P/E 17.9× at bottom 16% of 5-year history
What's happening with OSCR
Profile
Strong valuation and earnings quality; moat, profitability and growth lag behind.
How is each axis scored?
- Valuation100/100 · Strong
- P/E vs own history (16th pct)25/25
- FCF yield (44.6%)25/25
- P/S (0.6x)25/25
- EV/EBIT (9.9x)25/25
- Growth37/100 · Weak
- Revenue CAGR (58.8%)25/25
- Net income CAGR (n/a)0/25
- EPS CAGR 5Y (n/a)0/25
- Fwd implied growth (8.1%)12/25
- Profitability36/100 · Weak
- ROIC (n/a)0/25
- ROE (56.3%)25/25
- Net margin (3.6%)6/25
- Operating margin (4.1%)5/25
- Financial Health66/100 · Moderate
- Altman Z (1.80)10/25
- Current ratio (0.95)6/25
- Interest coverage (31.4x)25/25
- Net cash / debt (Net cash)25/25
- Quality77/100 · Strong
- Piotroski F (5/9)15/25
- Beneish M (-3.13)25/25
- FCF conversion (795%)25/25
- Margin stability (σ 11.3%)12/25
- Moat10/100 · Weak
- ROIC >12% years (n/a)0/25
- Median gross margin (n/a)0/25
- FCF-positive years (3/5 yrs)10/25
- Worst-year net margin (worst -31.1%)0/25
Risk Flags
- ⚠4 loss-making years in recent history
About Oscar Health, Inc.
Oscar Health Inc is a healthcare technology company built around a full stack technology platform and a relentless focus on serving its members. Show more
It offers Individual & Family plans and health technology solutions that power the healthcare industry. Oscar operates as one segment to sell insurance to individuals, families and employees through the federal and state-run healthcare exchanges formed in conjunction with the Patient Protection and Affordable Care Act (ACA) and leverages its technology platform to provide services via its Oscar offering.
Headquarters: NEW YORK, NY · Employees: 2,305 · Website ↗
Price History
Weekly Candlestick Chart — up to 5Y
Key Metrics
Financial snapshot · Tap any metric for its definition and grade
TTM Snapshot
trailing twelve months · YoYValuation
100A+P/E (TTM)17.8xB
Grade B: FairPrice / TTM EPS (own statements) — vs own 5Y history: 14.9x–383.6x · 16th pct
P/FCF1.9xA
Grade A: CheapPrice / Free Cash Flow per share (Finnhub). Inverse of FCF yield — negative when FCF is negative
FCF Yield44.6%A
Grade A: ValueTTM (OCF − CapEx) / Market Cap — vs own 5Y history: -41.7%–74.0% · 93rd pct
P/S (TTM)0.64xA
Grade A: CheapPrice / TTM Revenue (own statements) — vs own 5Y history: 0.1x–8.6x · 72nd pct
EV/EBIT9.9xA
Grade A: CheapEnterprise value / TTM EBIT (D&A not in our data) — capital-structure neutral — vs own 5Y history: -243.9x–330.1x · 29th pct
EV/Sales0.4xA
Grade A: CheapEnterprise Value / TTM Revenue (Finnhub) — capital-structure neutral sales multiple
Forward P/E16.5xB
Grade B: FairPrice / next-year EPS estimate — shows whether the TTM multiple is rich or just front-loading growth
P/B Ratio10.03xD
Grade D: Very expensivePrice to Book Value. Neg. equity = heavy buybacks
PEG Ratio—
Finnhub PEG — their P/E basis ÷ expected EPS growth. Suppressed when their P/E diverges >2× from our TTM P/E (different basis)
Dividend Yield—
TTM dividend yield (Finnhub) — annual dividends / price. None = no dividend; very high yield can signal distress
Payout Ratio—
Dividends / Net Income (Finnhub) — share of earnings paid out; >90% or negative = unsustainable
Profitability
36DROIC—
NOPAT (EBIT less ~21% tax) / invested capital (equity + debt − cash). Flagship quality metric — durable >15% signals a moat
ROE56.3%A
Grade A: StrongReturn on Equity. Neg. equity = heavy buybacks
ROA6.8%C
Grade C: AverageReturn on Assets (Finnhub) — Net Income / Total Assets; how efficiently assets produce profit
Net Margin3.6%D
Grade D: LowNet Income / Revenue
Operating Margin4.1%D
Grade D: LowTTM EBIT / TTM Revenue
Gross Margin—
Gross Profit / Revenue
FCF Margin28.6%A
Grade A: HighFCF / Revenue
True FCF Margin28.1%A
Grade A: HighTTM (OCF − CapEx − SBC) / TTM Revenue — SBC treated as a real cost
Growth
37DRevenue CAGR58.8%A
Grade A: HighCompound annual revenue growth (up to 5Y depending on data availability)
Net Income CAGR—
Compound annual net income growth (up to 5Y depending on data availability)
EPS CAGR (5Y)—
Compound annual EPS growth over up to 5Y of per-share earnings (own statements). Null when either endpoint EPS ≤ 0
Implied EPS Growth8.1%B
Grade B: LowAnalyst forward EPS (normalized basis) vs our GAAP TTM EPS — different bases, so extreme values usually mark cyclically depressed TTM earnings, not real growth
Dilution (5Y)—
Share count change over 5Y
SBC / Net Income13.7%C
Grade C: MedStock-based comp/Net income. >30% = dilution risk
SBC / Revenue0.5%A
Grade A: LowTTM stock-based comp / TTM Revenue
Financial Health
66BAltman Z-Score1.80C
Grade C: Gray zoneBankruptcy risk. >3 Safe, <1.8 Distress
Current Ratio0.95xD
Grade D: LowCurrent Assets/Liabilities
Quick Ratio0.03xD
Grade D: Low(Current Assets − Inventory) / Current Liabilities (Finnhub) — stricter liquidity test, excludes inventory
Interest Coverage31.4xA
Grade A: StrongEBIT/Interest. >10 Strong
Debt RepaymentNet CashA
Grade A: FastYears to repay net debt via FCF
Net Debt/EBITNet CashA
Grade A: LowLeverage. <2x Low, >4x High
Debt/Equity0.44xA
Grade A: LowDebt / Equity: <1 Conservative, >2 Risky. Not meaningful with non-positive equity; shown as unavailable rather than low debt.
Cash / Debt9.28xA
Grade A: CoveredCash covers how much of total debt. >1 = could repay all debt from cash
Quality
77B+Piotroski F-Score5/9C
Grade C: AverageFinancial strength 0–9. >7 Strong
Beneish M-Score-3.13A
Grade A: SafeEarnings manipulation risk. < -2.22 Safe
FCF Conversion795.3%A
Grade A: StrongFCF / Net Income
Margin Stability11.3%C
Grade C: AverageEBIT margin std deviation. Lower = stable
Capex / Revenue0.3%A
Grade A: Asset-lightTTM CapEx / TTM Revenue — high % = capital-hungry business
Asset Turnover1.88xA
Grade A: HighRevenue / Total Assets (Finnhub) — how efficiently the asset base generates sales
Insider Transactions
SEC Form 4 · 8 recordsP/S codes are the directional signal; grants, option exercises and tax withholding carry none. Form 4 doesn't flag 10b5-1 plans — scheduled sales may appear within open-market sells.
| Trade date | Insider | Transaction | Shares | Filed |
|---|---|---|---|---|
Gassen William Filed | Gassen William | Grant / award | +698 | |
Plouffe David Filed | Plouffe David | Grant / award | +641 | |
Sankaran Sid Filed | Sankaran Sid | Grant / award | +1.5K | |
Kushner Joshua Filed | Kushner Joshua | BuyJ | +75.5K | |
Kushner Joshua Filed | Kushner Joshua | BuyJ | +6.27M |
Show 3 more filingsShow fewer filings
| Trade date | Insider | Transaction | Shares | Filed |
|---|---|---|---|---|
Kushner Joshua Filed | Kushner Joshua | SellJ | -164218 | |
Kushner Joshua Filed | Kushner Joshua | SellJ | -4855810 | |
Kushner Joshua Filed | Kushner Joshua | SellJ | -1323589 |
More metrics — Moat, Per Share, Balance Sheet, MarketHide additional metrics
Moat
10EROIC >12% Years—
Share of completed fiscal years with ROIC > 12% — measures multi-year capital-return durability
Gross Margin (Med.)—
Median annual gross margin across available fiscal years — pricing-power durability
FCF-Positive Years3/5 yrsD
Grade D: WeakShare of completed fiscal years with positive free cash flow
Net Margin Floor-31.1%D
Grade D: WeakWeakest annual net margin across completed fiscal years — recession/downcycle resilience
Per Share
EPS (TTM)$1.78
Own TTM net income / shares — same earnings basis as P/E
Cash / Share$6.20
Cash & short-term investments per share (Finnhub)
Book Value / Share$6.65
Shareholders' equity per share (Finnhub). Negative = accumulated losses / heavy buybacks
Balance Sheet
Total Debt$430.10M
Total debt obligations (short + long term)
Cash & Equiv.$3.99B
Cash and short-term investments
Net Debt$-3.56BA
Grade A: Net CashTotal Debt minus Cash. Negative = Net Cash position
Total Equity$977.65M
Shareholders' equity (book value)
Asset / Liability1.18xC
Grade C: AdequateTotal Assets / Total Liabilities
Market
Market Cap$9.81B
Current Market Capitalization
Beta2.51D
Grade D: High volatilityPrice sensitivity vs the market (Finnhub) — 1.0 moves with market, >1.2 amplifies swings
How grades work: each metric is graded A–D against fixed thresholds (tap a row for the meaning). Card grades map the pillar score to A+–E — a card grade is that pillar's own score, not an average of the rows shown.
Financials as of Jun 2026 · Ratio snapshot Oct 17, 2026
Key Insights: Oscar Health, Inc. (OSCR)
OSCR is down 4.72% at the last close. Piotroski F-Score of 5/9 indicates mixed fundamentals for Oscar Health, Inc.. Altman Z-Score of 1.80 is below the 1.81 distress threshold — an elevated financial-risk flag. Beneish M-Score of -3.13 suggests a low likelihood of earnings manipulation. Revenue has compounded at roughly 59% annually — a strong growth profile.
- Oscar Health, Inc. converts about 29% of revenue into free cash flow — strong cash generation.
- Company is effectively debt-free after netting cash.
- Oscar Health, Inc. posted a net loss in 4 of 5 available completed fiscal years (2021–2025).
- At a valuation score of 100/100, OSCR trades near the cheapest end of its own historical range (P/E 17.8).
- Return on equity of 56.3% is well above the market average.
See how OSCR ranks on the Capex Tracker — top 50 capital spenders compared.
Recent Market Moves
See all OSCR moves →| Date | Session | Price | Move | Z-Score |
|---|---|---|---|---|
| Oct 16 | Regular | 31.89 | -4.72% | -2.02 |
| Oct 16 | After-hours | 31.80 | -4.99% | -2.13 |
| Oct 5 | After-hours | 32.61 | +5.40% | 2.03 |
| Sep 24 | Regular | 28.88 | -5.40% | -2.11 |
| Sep 24 | After-hours | 28.88 | -5.42% | -2.11 |
Frequently Asked Questions about OSCR
What is the current Oscar Health, Inc. (OSCR) stock price?
OSCR is trading at $31.89 at the last market close, down 4.72% on the session. PreMarketPrice tracks OSCR pre-market, intraday and after-hours prices.
Is OSCR stock a buy right now?
PreMarketPrice's quantitative model rates Oscar Health, Inc.'s financial health at 66/100. This is a data-driven snapshot of fundamentals, not investment advice.
Is OSCR stock overvalued?
Oscar Health, Inc. trades at a trailing P/E of 17.8 and our valuation score rates it 100/100 (higher = cheaper vs. its own history). See the Valuation History and Key Metrics sections for forward P/E, EV/EBITDA and PEG context.
When does Oscar Health, Inc. report earnings?
No confirmed earnings date is currently scheduled for OSCR. The Earnings section lists recent reports and updates as dates are announced.
What sector does Oscar Health, Inc. operate in?
Oscar Health, Inc. operates in the Financial Services sector, within the Hospital & Medical Service Plans industry. The Related Stocks section lists sector peers for comparison.
What does Oscar Health, Inc. do?
Oscar Health Inc is a healthcare technology company built around a full stack technology platform and a relentless focus on serving its members.
About Oscar Health, Inc. (OSCR) Stock
Oscar Health, Inc. (OSCR) is a US-listed stock operating in the Financial Services sector, specifically the Hospital & Medical Service Plans industry. As of the latest update, Oscar Health, Inc. is trading at $31.89, down 4.72% on the day with a market capitalization of $9.8 billion. The financial health score for OSCR is 66/100, which indicates good financial strength based on profitability, leverage, liquidity, and growth metrics. This page provides real-time pre-market pricing, earnings calendar, financial health analysis, and valuation metrics for OSCR stock.
OSCR Stock Analysis & Key Metrics
On PreMarketPrice, you can track Oscar Health, Inc. (OSCR) across multiple dimensions:
- Pre-market price & movement: Real-time OSCR stock price with percentage change, updated continuously during pre-market and regular trading hours.
- Valuation & P/E history: Historical P/E, P/S, and P/B ratios for OSCR with trend analysis and normalized valuation multiples.
- Financial statements: Revenue, net income, assets, liabilities, and equity for Oscar Health, Inc. across multiple reporting periods.
- Financial health score: A composite score of 66/100 based on Altman Z-Score, Piotroski F-Score, profitability, and leverage metrics for OSCR.
- Sector peers: Compare OSCR against 6 other financial services stocks on key financial metrics.
Is OSCR a Good Stock to Buy?
This page provides data-driven analysis to help you evaluate Oscar Health, Inc. (OSCR) as an investment. The financial health score of 66/100 suggests good financial fundamentals. Valuation metrics show whether the stock is trading above or below its historical average.However, this is not financial advice — always do your own research before investing.
Data on this page is sourced from real-time market feeds, Polygon.io, and Finnhub.Oscar Health, Inc. (OSCR) trades on NYSE. Pre-market trading occurs 4:00 AM – 9:30 AM ET. Regular market hours are 9:30 AM – 4:00 PM ET.