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OSCR

BEARISH
$18.46 Live
Oscar Health, Inc. · NYSE
Target $16.1 (-12.8%)
$10.69 52W Range $23.8

At a glance

Key valuation, profitability, growth, and risk metrics.

Updated May 01, 2026
Market cap
$5.56B
P/E
N/A
ROE
-44.4%
Profit margin
-3.8%
Debt/Equity
0.51
Dividend yield
N/A

AI Analysis

AI-powered fundamental assessment

Confidence
85%
Oscar Health exhibits severe fundamental weakness, highlighted by a Piotroski F-Score of 2/9, indicating poor financial health and operational inefficiency. While the company maintains a low Price-to-Sales ratio (0.48) and steady revenue growth of 17.3%, it continues to struggle with negative profit margins and a consistent failure to meet earnings estimates (0/4 beats in the last year). The recent 60.9% one-month price surge appears disconnected from fundamentals, as the stock now trades above the analyst target price of $16.10. Combined with aggressive insider selling by the CFO and CTO, the risk-reward profile is unfavorable.

Key Strengths

Strong top-line revenue growth (17.3% YoY)
Low Price-to-Sales ratio (0.48) suggesting potential revenue undervaluation
Manageable Debt/Equity ratio of 0.51
Positive 1-year price momentum (+41.9%)
Forward P/E of 12.74 suggests a path toward future profitability

Key Risks

Critical financial health (Piotroski F-Score 2/9)
Consistent earnings misses with a -13.8% average surprise over the last 4 quarters
Negative ROE (-44.35%) and Operating Margin (-11.90%)
Liquidity risk with a Current Ratio below 1.0 (0.95)
Severe EPS contraction (-100% YoY growth)
AI Fair Value Estimate
Based on comprehensive analysis
$16.1
-12.8% below current price

Performance Snowflake

Multi-dimensional analysis across 5 key categories

Overall
29
Weak
Value
45
Future
50
Past
30
Health
20
Dividend
0
AI Verdict
High Risk / Speculative
Key drivers: Poor Piotroski Score, Negative Profitability, Insider Selling, Earnings Misses
Confidence
90%
Value
45/100

Trades at a revenue discount but a book premium; lacks traditional value anchors.

Positives
  • Very low P/S ratio (0.48)
Watchpoints
  • High Price/Book (5.61)
  • No Graham Number due to lack of earnings
Future
50/100

Growth is present in sales but not translating to the bottom line.

Positives
  • Consistent 17% revenue growth
Watchpoints
  • EPS growth is crashing (-100% YoY)
  • Failure to meet analyst expectations
Past
30/100

Historical performance is characterized by volatility and losses.

Positives
  • Recent 1-year price recovery
Watchpoints
  • Long history of negative earnings
  • Poor surprise track record
Health
20/100

Deterministic health scores indicate a weak financial foundation.

Positives
  • Debt/Equity is relatively low
Watchpoints
  • Piotroski F-Score 2/9
  • Current Ratio < 1.0
Dividend
0/100

Non-dividend paying growth stock.

Positives
No standout positives identified.
Watchpoints
  • No dividend paid
  • 0/100 strength score

Stock Price & Analyst Targets

Real-time price movements and analyst price targets

Current Price
$18.46
Analyst Target
$16.1
Upside/Downside
-12.8%

Multi-Horizon Performance vs Peers

Price momentum across 5Y → 1W horizons for OSCR and closest competitors.

Updated 2026-04-30
OSC
Oscar Health, Inc.
Primary
5Y
-18.9%
3Y
+168.3%
1Y
+41.9%
6M
+2.0%
1M
+60.9%
1W
+12.4%
ALK
Alkermes plc
Peer
5Y
+53.2%
3Y
+17.7%
1Y
+17.2%
6M
+7.2%
1M
+11.8%
1W
-0.1%
CHE
Chemed Corporation
Peer
5Y
-8.1%
3Y
-24.7%
1Y
-22.6%
6M
-3.3%
1M
+12.6%
1W
+9.5%
CAI
Caris Life Sciences, Inc.
Peer
5Y
-33.0%
3Y
-33.0%
1Y
-33.0%
6M
-40.6%
1M
-1.3%
1W
+4.9%
MIR
Mirum Pharmaceuticals, Inc.
Peer
5Y
+417.6%
3Y
+286.1%
1Y
+143.7%
6M
+33.7%
1M
+6.4%
1W
+0.3%

Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.

Historical Performance Trends

Long-term financial metrics and growth patterns

Revenue & Net Income

Profit & Operating Margins

Return on Equity (ROE)

Quarterly Revenue Growth

Historical data shows last 12 quarters (3 years)

Valuation Metrics

Key valuation ratios and pricing indicators

P/E Ratio
N/A
Forward P/E
12.74
PEG Ratio
N/A
P/B Ratio
5.61
P/S Ratio
0.48
EV/Revenue
0.17
EV/EBITDA
-5.45
Market Cap
$5.56B

Profitability

Profit margins and return metrics

Profit Margin -3.79%
Operating Margin -11.9%
Gross Margin 14.38%
ROE -44.35%
ROA -4.44%

Growth

Revenue and earnings growth rates

Revenue Growth +17.3%
Earnings Growth N/A
Q/Q Revenue Growth +17.24%
Q/Q Earnings Growth N/A

Financial Health

Balance sheet strength and liquidity metrics

Debt/Equity
0.51
Moderate
Current Ratio
0.95
Weak
Quick Ratio
0.92
Poor
Cash/Share
$13.42

Financial Statement Flow

Interactive flow visualization showing how money moves through the company Q4 2025

Revenue
$2.8B
Net Margin
-12.6%
Total Assets
$6.3B
Liabilities
$5.3B
Equity
$1.0B
Debt/Equity
5.47x
Operating CF
$0.7B
CapEx
$-0.0B
Free Cash Flow
$0.7B
FCF Yield
99%

Quarterly Earnings History

EPS performance vs analyst estimates

2026-05-06
$N/A
2026-02-10
$-1.24
-34.6% surprise
2025-11-06
$-0.53
-6.8% surprise
2025-08-06
$-0.89
-0.1% surprise

Healthcare Sector Comparison

Comparing OSCR against 582 companies in the Healthcare sector (37 bullish, 181 neutral, 364 bearish)
Return on Equity (ROE)
-44.35%
This Stock
vs
-87.12%
Sector Avg
-49.1% (Below Avg)
Profit Margin
-3.79%
This Stock
vs
-16.02%
Sector Avg
-76.4% (Weaker)
Debt to Equity
0.51
This Stock
vs
2.6
Sector Avg
-80.5% (Less Debt)
Revenue Growth
17.3%
This Stock
vs
120.93%
Sector Avg
-85.7% (Slower)
Current Ratio
0.95
This Stock
vs
4.39
Sector Avg
-78.4% (Weaker)

Similar Companies

Peer comparison within the same industry

Recent Insider Trading

Insider buy and sell transactions from the last 6 months

BERTOLINI MARK T
Chief Executive Officer
Buy
2026-04-06
1,000,000 shares · $11,920,000
BERTOLINI MARK T
Chief Executive Officer
Stock Award
2026-04-02
5,733,334 shares
BLACKLEY RICHARD SCOTT
Chief Financial Officer
Gift
2026-03-12
150,000 shares
BERTOLINI MARK T
Chief Executive Officer
Stock Award
2026-03-02
1,596,877 shares
BLACKLEY RICHARD SCOTT
Chief Financial Officer
Stock Award
2026-03-02
134,847 shares
BLACKLEY RICHARD SCOTT
Chief Financial Officer
Sell
2026-03-02
19,221 shares · $257,369
MCANANEY ADAM
Officer
Stock Award
2026-03-02
67,424 shares
MCANANEY ADAM
Officer
Sell
2026-03-02
18,710 shares · $250,527
SCHLOSSER MARIO T
Chief Technology Officer
Stock Award
2026-03-02
189,141 shares
SCHLOSSER MARIO T
Chief Technology Officer
Sell
2026-03-02
24,335 shares · $325,846
LIANG JANET
Officer
Stock Award
2026-03-02
106,458 shares
LIANG JANET
Officer
Sell
2026-03-02
7,453 shares · $99,796
BALTRUS VICTORIA
Officer
Stock Award
2026-03-02
17,300 shares
BALTRUS VICTORIA
Officer
Sell
2026-03-02
4,638 shares · $62,103
SCHLOSSER MARIO T
Chief Technology Officer
Sell
2026-01-08
23,038 shares · $406,621
Insider transactions can signal confidence or concerns about company prospects

SEC Filings

Recent regulatory filings from the SEC EDGAR database

DEF 14A
DEF 14A
2026-04-22

Oscar Health, Inc. (OSCR) filed a definitive proxy statement on April 22, 2026, providing shareholders with necessary information and voting materials for its annual meeting.

8-K
8-K
2026-04-21

Oscar Health, Inc. likely filed this 8-K to report its first quarter 2026 financial results.

8-K
8-K
2026-03-02

Oscar Health, Inc. filed an 8-K likely to report its fourth quarter and full-year 2025 financial results.

10-K
10-K
2026-02-13

Oscar Health submitted its 10-K filing on February 13, 2026, which includes comprehensive disclosures regarding its business operations and financial condition. The report provides detailed management analysis of results of operations and outlines the primary risk factors facing the company.

8-K
8-K
2026-02-10

Oscar Health, Inc. likely reported its fourth-quarter and full-year financial results.

8-K
8-K
2025-12-29

Oscar Health, Inc. filed an 8-K likely reporting year-end financial results or a material corporate announcement.

10-Q
10-Q
2025-11-06

Oscar Health issued $410 million in convertible senior subordinated notes due 2030 with an annual interest rate of 2.25%. To manage the offering, the company entered into capped call transactions, though it faces risks related to potential equity dilution upon conversion and cash repurchase obligations in the event of a fundamental change.

8-K
8-K
2025-11-06

Oscar Health, Inc. likely filed this 8-K to report its third quarter financial results for 2025.

8-K
8-K
2025-09-18
8-K
8-K
2025-09-16
8-K
8-K
2025-09-15
8-K
8-K
2025-09-03
10-Q
10-Q
2025-08-07
8-K
8-K
2025-08-06
8-K
8-K
2025-07-22
Data sourced from SEC EDGAR. AI summaries generated automatically.

Wall Street Analysts

Professional analyst ratings and price targets

Consensus
HOLD
10 analysts
Jefferies
2026-04-20
up
Underperform Hold
UBS
2026-01-09
up
Sell Neutral
Barclays
2026-01-05
up
Underweight Equal-Weight
Stephens & Co.
2025-12-11
init
Equal-Weight
Piper Sandler
2025-11-26
up
Neutral Overweight
Wells Fargo
2025-11-13
Maintains
Underweight Underweight
Barclays
2025-11-10
Maintains
Underweight Underweight
UBS
2025-11-07
Maintains
Sell Sell

Past News Coverage

Recent headlines mentioning OSCR from our newsroom.

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