OSCAR HEALTH INC - CLASS A (1OSCR.MI) Fundamental Analysis & Valuation

BIT:1OSCR • US6877931096

Current stock price

15.2 EUR
+3.5 (+29.91%)
Last:

This 1OSCR.MI fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

1

1. 1OSCR.MI Profitability Analysis

1.1 Basic Checks

  • In the past year 1OSCR has reported negative net income.
  • In the past year 1OSCR had a positive cash flow from operations.
  • 1OSCR had negative earnings in 4 of the past 5 years.
  • The reported operating cash flow has been mixed in the past 5 years: 1OSCR reported negative operating cash flow in multiple years.
1OSCR.MI Yearly Net Income VS EBIT VS OCF VS FCF1OSCR.MI Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2019 2020 2021 2022 2023 2024 2025 0 500M -500M 1B

1.2 Ratios

  • 1OSCR has a worse Return On Assets (-7.01%) than 88.00% of its industry peers.
  • With a Return On Equity value of -45.33%, 1OSCR is not doing good in the industry: 90.00% of the companies in the same industry are doing better.
Industry RankSector Rank
ROA -7.01%
ROE -45.33%
ROIC N/A
ROA(3y)-4.67%
ROA(5y)-8.93%
ROE(3y)-25.5%
ROE(5y)-37.17%
ROIC(3y)N/A
ROIC(5y)N/A
1OSCR.MI Yearly ROA, ROE, ROIC1OSCR.MI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2019 2020 2021 2022 2023 2024 2025 0 -20 -40 -60 -80

1.3 Margins

  • The Profit Margin and Operating Margin and Gross Margin are not available for 1OSCR so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) N/A
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
1OSCR.MI Yearly Profit, Operating, Gross Margins1OSCR.MI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2019 2020 2021 2022 2023 2024 2025 0 -20 -40 -60 -80

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5

2. 1OSCR.MI Health Analysis

2.1 Basic Checks

  • 1OSCR does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • The number of shares outstanding for 1OSCR has been increased compared to 1 year ago.
  • 1OSCR has more shares outstanding than it did 5 years ago.
  • The debt/assets ratio for 1OSCR is higher compared to a year ago.
1OSCR.MI Yearly Shares Outstanding1OSCR.MI Yearly Shares OutstandingYearly Shares Outstanding 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M 200M 250M
1OSCR.MI Yearly Total Debt VS Total Assets1OSCR.MI Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2019 2020 2021 2022 2023 2024 2025 2B 4B 6B

2.2 Solvency

  • Based on the Altman-Z score of 1.30, we must say that 1OSCR is in the distress zone and has some risk of bankruptcy.
  • 1OSCR has a better Altman-Z score (1.30) than 90.00% of its industry peers.
  • 1OSCR has a debt to FCF ratio of 0.41. This is a very positive value and a sign of high solvency as it would only need 0.41 years to pay back of all of its debts.
  • 1OSCR has a better Debt to FCF ratio (0.41) than 98.00% of its industry peers.
  • 1OSCR has a Debt/Equity ratio of 0.44. This is a healthy value indicating a solid balance between debt and equity.
  • 1OSCR's Debt to Equity ratio of 0.44 is fine compared to the rest of the industry. 1OSCR outperforms 66.00% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.44
Debt/FCF 0.41
Altman-Z 1.3
ROIC/WACCN/A
WACC8.35%
1OSCR.MI Yearly LT Debt VS Equity VS FCF1OSCR.MI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2019 2020 2021 2022 2023 2024 2025 0 500M 1B

2.3 Liquidity

  • A Current Ratio of 0.09 indicates that 1OSCR may have some problems paying its short term obligations.
  • The Current ratio of 1OSCR (0.09) is better than 64.00% of its industry peers.
  • A Quick Ratio of 0.09 indicates that 1OSCR may have some problems paying its short term obligations.
  • 1OSCR has a Quick ratio of 0.09. This is in the better half of the industry: 1OSCR outperforms 64.00% of its industry peers.
Industry RankSector Rank
Current Ratio 0.09
Quick Ratio 0.09
1OSCR.MI Yearly Current Assets VS Current Liabilites1OSCR.MI Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

7

3. 1OSCR.MI Growth Analysis

3.1 Past

  • 1OSCR shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -8600.00%.
  • Looking at the last year, 1OSCR shows a very strong growth in Revenue. The Revenue has grown by 28.81%.
  • The Revenue has been growing by 90.80% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)-8600%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-100%
Revenue 1Y (TTM)28.81%
Revenue growth 3Y43.46%
Revenue growth 5Y90.8%
Sales Q2Q%17.25%

3.2 Future

  • The Earnings Per Share is expected to grow by 45.89% on average over the next years. This is a very strong growth
  • 1OSCR is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 21.64% yearly.
EPS Next Y132.83%
EPS Next 2Y64.28%
EPS Next 3Y45.89%
EPS Next 5YN/A
Revenue Next Year56.44%
Revenue Next 2Y28.35%
Revenue Next 3Y21.64%
Revenue Next 5YN/A

3.3 Evolution

  • Although the future Revenue growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.
1OSCR.MI Yearly Revenue VS Estimates1OSCR.MI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 5B 10B 15B 20B
1OSCR.MI Yearly EPS VS Estimates1OSCR.MI Yearly EPS VS EstimatesYearly EPS VS Estimates 2021 2022 2023 2024 2025 2026 2027 2028 0 1 -1 -2 -3

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3

4. 1OSCR.MI Valuation Analysis

4.1 Price/Earnings Ratio

  • 1OSCR reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
  • A Price/Forward Earnings ratio of 31.39 indicates a quite expensive valuation of 1OSCR.
  • 88.00% of the companies in the same industry are cheaper than 1OSCR, based on the Price/Forward Earnings ratio.
  • The average S&P500 Price/Forward Earnings ratio is at 21.99. 1OSCR is valued slightly more expensive when compared to this.
Industry RankSector Rank
PE N/A
Fwd PE 31.39
1OSCR.MI Price Earnings VS Forward Price Earnings1OSCR.MI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 10 -10 20 30

4.2 Price Multiples

  • 1OSCR's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. 1OSCR is cheaper than 78.00% of the companies in the same industry.
Industry RankSector Rank
P/FCF 5.04
EV/EBITDA N/A
1OSCR.MI Per share data1OSCR.MI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 10 20 30

4.3 Compensation for Growth

  • The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • 1OSCR's earnings are expected to grow with 45.89% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y64.28%
EPS Next 3Y45.89%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. 1OSCR.MI Dividend Analysis

5.1 Amount

  • No dividends for 1OSCR!.
Industry RankSector Rank
Dividend Yield 0%

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1OSCR.MI Fundamentals: All Metrics, Ratios and Statistics

OSCAR HEALTH INC - CLASS A

BIT:1OSCR (4/28/2026, 7:00:00 PM)

15.2

+3.5 (+29.91%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Industry Strength38.51
Industry Growth44.1
Earnings (Last)02-10
Earnings (Next)05-06
Inst Owners65.44%
Inst Owner ChangeN/A
Ins Owners3.85%
Ins Owner ChangeN/A
Market Cap4.53B
Revenue(TTM)11.70B
Net Income(TTM)-443.15M
Analysts52.94
Price Target13 (-14.47%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 0%
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr YearsN/A
Div Non Decr YearsN/A
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-15.16%
Min EPS beat(2)-36.96%
Max EPS beat(2)6.64%
EPS beat(4)2
Avg EPS beat(4)-26.25%
Min EPS beat(4)-88.51%
Max EPS beat(4)13.81%
EPS beat(8)4
Avg EPS beat(8)1.36%
EPS beat(12)7
Avg EPS beat(12)-9.7%
EPS beat(16)8
Avg EPS beat(16)-12.58%
Revenue beat(2)0
Avg Revenue beat(2)-8.49%
Min Revenue beat(2)-11.95%
Max Revenue beat(2)-5.03%
Revenue beat(4)1
Avg Revenue beat(4)-3.87%
Min Revenue beat(4)-11.95%
Max Revenue beat(4)4.4%
Revenue beat(8)3
Avg Revenue beat(8)-2.26%
Revenue beat(12)5
Avg Revenue beat(12)0.8%
Revenue beat(16)7
Avg Revenue beat(16)1.76%
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)-0.31%
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)N/A
Revenue NQ rev (1m)-0.24%
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0.1%
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE N/A
Fwd PE 31.39
P/S 0.46
P/FCF 5.04
P/OCF 4.88
P/B 5.46
P/tB 5.46
EV/EBITDA N/A
EPS(TTM)-1.47
EYN/A
EPS(NY)0.48
Fwd EY3.19%
FCF(TTM)3.01
FCFY19.83%
OCF(TTM)3.12
OCFY20.51%
SpS33.31
BVpS2.78
TBVpS2.78
PEG (NY)N/A
PEG (5Y)N/A
Graham Number0 (-100%)
Profitability
Industry RankSector Rank
ROA -7.01%
ROE -45.33%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM N/A
FCFM 9.05%
ROA(3y)-4.67%
ROA(5y)-8.93%
ROE(3y)-25.5%
ROE(5y)-37.17%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score2
Asset Turnover1.85
Health
Industry RankSector Rank
Debt/Equity 0.44
Debt/FCF 0.41
Debt/EBITDA N/A
Cap/Depr 125.89%
Cap/Sales 0.31%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 0.09
Quick Ratio 0.09
Altman-Z 1.3
F-Score2
WACC8.35%
ROIC/WACCN/A
Cap/Depr(3y)98.67%
Cap/Depr(5y)132.59%
Cap/Sales(3y)0.35%
Cap/Sales(5y)0.64%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-8600%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-100%
EPS Next Y132.83%
EPS Next 2Y64.28%
EPS Next 3Y45.89%
EPS Next 5YN/A
Revenue 1Y (TTM)28.81%
Revenue growth 3Y43.46%
Revenue growth 5Y90.8%
Sales Q2Q%17.25%
Revenue Next Year56.44%
Revenue Next 2Y28.35%
Revenue Next 3Y21.64%
Revenue Next 5YN/A
EBIT growth 1Y-792.14%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year222.79%
EBIT Next 3Y69.34%
EBIT Next 5YN/A
FCF growth 1Y11.38%
FCF growth 3Y44.43%
FCF growth 5Y38.37%
OCF growth 1Y11.93%
OCF growth 3Y42.26%
OCF growth 5Y37.51%

OSCAR HEALTH INC - CLASS A / 1OSCR.MI Fundamental Analysis FAQ

What is the fundamental rating for 1OSCR stock?

ChartMill assigns a fundamental rating of 4 / 10 to 1OSCR.MI.


What is the valuation status for 1OSCR stock?

ChartMill assigns a valuation rating of 4 / 10 to OSCAR HEALTH INC - CLASS A (1OSCR.MI). This can be considered as Fairly Valued.


How profitable is OSCAR HEALTH INC - CLASS A (1OSCR.MI) stock?

OSCAR HEALTH INC - CLASS A (1OSCR.MI) has a profitability rating of 1 / 10.


Can you provide the financial health for 1OSCR stock?

The financial health rating of OSCAR HEALTH INC - CLASS A (1OSCR.MI) is 5 / 10.