OSCAR HEALTH INC - CLASS A (OSCR) Stock Fundamental Analysis

NYSE:OSCR • US6877931096

13.42 USD
-0.29 (-2.12%)
At close: Feb 13, 2026
13.5466 USD
+0.13 (+0.94%)
After Hours: 2/13/2026, 8:04:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

2

Taking everything into account, OSCR scores 2 out of 10 in our fundamental rating. OSCR was compared to 149 industry peers in the Insurance industry. OSCR scores quite bad on profitability, while its financial health is fine. Not spectacular, but in line with the averages. OSCR is valued expensive and it does not seem to be growing.


Dividend Valuation Growth Profitability Health

1

1. Profitability

1.1 Basic Checks

  • In the past year OSCR has reported negative net income.
  • OSCR had a positive operating cash flow in the past year.
  • In the past 5 years OSCR reported 4 times negative net income.
  • In multiple years OSCR reported negative operating cash flow during the last 5 years.
OSCR Yearly Net Income VS EBIT VS OCF VS FCFOSCR Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2019 2020 2021 2022 2023 2024 0 500M -500M

1.2 Ratios

  • OSCR has a Return On Assets of -4.25%. This is amonst the worse of the industry: OSCR underperforms 85.91% of its industry peers.
  • OSCR's Return On Equity of -23.83% is on the low side compared to the rest of the industry. OSCR is outperformed by 86.58% of its industry peers.
Industry RankSector Rank
ROA -4.25%
ROE -23.83%
ROIC N/A
ROA(3y)-6.8%
ROA(5y)-11.11%
ROE(3y)-33.09%
ROE(5y)-46.23%
ROIC(3y)N/A
ROIC(5y)N/A
OSCR Yearly ROA, ROE, ROICOSCR Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2019 2020 2021 2022 2023 2024 0 -20 -40 -60 -80

1.3 Margins

  • OSCR does not have Profit Margin and Operating Margin and Gross Margin available, so we won't be analyzing them here.
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
OSCR Yearly Profit, Operating, Gross MarginsOSCR Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2019 2020 2021 2022 2023 2024 0 -20 -40 -60 -80

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

4

2. Health

2.1 Basic Checks

  • OSCR does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • OSCR has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
OSCR Yearly Shares OutstandingOSCR Yearly Shares OutstandingYearly Shares Outstanding 2019 2020 2021 2022 2023 2024 50M 100M 150M 200M 250M
OSCR Yearly Total Debt VS Total AssetsOSCR Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2019 2020 2021 2022 2023 2024 1B 2B 3B 4B

2.2 Solvency

  • Based on the Altman-Z score of 1.49, we must say that OSCR is in the distress zone and has some risk of bankruptcy.
  • With an excellent Altman-Z score value of 1.49, OSCR belongs to the best of the industry, outperforming 87.25% of the companies in the same industry.
  • OSCR has a debt to FCF ratio of 0.93. This is a very positive value and a sign of high solvency as it would only need 0.93 years to pay back of all of its debts.
  • With a decent Debt to FCF ratio value of 0.93, OSCR is doing good in the industry, outperforming 71.81% of the companies in the same industry.
  • A Debt/Equity ratio of 0.67 indicates that OSCR is somewhat dependend on debt financing.
  • Looking at the Debt to Equity ratio, with a value of 0.67, OSCR is doing worse than 79.19% of the companies in the same industry.
  • Although OSCR does not score too well on debt/equity it has very limited outstanding debt, which is well covered by the FCF. We will not put too much weight on the debt/equity number as it may be because of low equity, which could be a consequence of a share buyback program for instance. This needs to be investigated.
Industry RankSector Rank
Debt/Equity 0.67
Debt/FCF 0.93
Altman-Z 1.49
ROIC/WACCN/A
WACC8.69%
OSCR Yearly LT Debt VS Equity VS FCFOSCR Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2019 2020 2021 2022 2023 2024 0 500M 1B

2.3 Liquidity

  • A Current Ratio of 0.17 indicates that OSCR may have some problems paying its short term obligations.
  • OSCR has a Current ratio of 0.17. This is in the better half of the industry: OSCR outperforms 67.79% of its industry peers.
  • A Quick Ratio of 0.17 indicates that OSCR may have some problems paying its short term obligations.
  • OSCR has a Quick ratio of 0.17. This is in the better half of the industry: OSCR outperforms 67.79% of its industry peers.
Industry RankSector Rank
Current Ratio 0.17
Quick Ratio 0.17
OSCR Yearly Current Assets VS Current LiabilitesOSCR Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M

More info and screens

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

3

3. Growth

3.1 Past

  • OSCR shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -8600.00%.
EPS 1Y (TTM)-8600%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-100%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%17.25%

3.2 Future

  • The Earnings Per Share is expected to grow by 38.09% on average over the next years. This is a very strong growth
  • The Revenue is expected to grow by 8.48% on average over the next years. This is quite good.
EPS Next Y98.37%
EPS Next 2Y60.66%
EPS Next 3Y38.09%
EPS Next 5YN/A
Revenue Next Year4.55%
Revenue Next 2Y9.48%
Revenue Next 3Y8.48%
Revenue Next 5YN/A

3.3 Evolution

OSCR Yearly Revenue VS EstimatesOSCR Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 5B 10B 15B
OSCR Yearly EPS VS EstimatesOSCR Yearly EPS VS EstimatesYearly EPS VS Estimates 2021 2022 2023 2024 2025 2026 2027 2028 0 1 -1 -2 -3

More info and screens

Find the best growth stocksShow best growing peers

2

4. Valuation

4.1 Price/Earnings Ratio

  • The Price/Earnings Ratio is negative for OSCR. In the last year negative earnings were reported.
  • Besides the negative Price/Earnings Ratio, also the Forward Price/Earnings Ratio is negative for OSCR. No positive earnings are expected for the next year.
Industry RankSector Rank
PE N/A
Fwd PE N/A
OSCR Price Earnings VS Forward Price EarningsOSCR Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 -100 -200 -300 -400

4.2 Price Multiples

  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of OSCR indicates a somewhat cheap valuation: OSCR is cheaper than 71.81% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 4.83
EV/EBITDA N/A
OSCR Per share dataOSCR EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 10 20 30 40

4.3 Compensation for Growth

  • OSCR's earnings are expected to grow with 38.09% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y60.66%
EPS Next 3Y38.09%

More info and screens

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

0

5. Dividend

5.1 Amount

  • OSCR does not give a dividend.
Industry RankSector Rank
Dividend Yield 0%

More info and screens

Find the best dividend stocksShow peers with best dividend

OSCAR HEALTH INC - CLASS A

NYSE:OSCR (2/13/2026, 8:04:00 PM)

After market: 13.5466 +0.13 (+0.94%)

13.42

-0.29 (-2.12%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-10
Earnings (Next)05-05
Inst Owners66.41%
Inst Owner Change-1.3%
Ins Owners3.64%
Ins Owner Change-3.52%
Market Cap3.55B
Revenue(TTM)N/A
Net Income(TTM)-244.09M
Analysts50.59
Price Target16.23 (20.94%)
Short Float %11.59%
Short Ratio2.65
Dividend
Industry RankSector Rank
Dividend Yield 0%
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-40.94%
Min EPS beat(2)-88.51%
Max EPS beat(2)6.64%
EPS beat(4)2
Avg EPS beat(4)-17.77%
Min EPS beat(4)-88.51%
Max EPS beat(4)13.81%
EPS beat(8)5
Avg EPS beat(8)7.29%
EPS beat(12)8
Avg EPS beat(12)-5.68%
EPS beat(16)9
Avg EPS beat(16)-10.05%
Revenue beat(2)0
Avg Revenue beat(2)-3.96%
Min Revenue beat(2)-5.03%
Max Revenue beat(2)-2.88%
Revenue beat(4)1
Avg Revenue beat(4)-2.18%
Min Revenue beat(4)-5.21%
Max Revenue beat(4)4.4%
Revenue beat(8)4
Avg Revenue beat(8)-0.37%
Revenue beat(12)6
Avg Revenue beat(12)1.32%
Revenue beat(16)9
Avg Revenue beat(16)3.49%
PT rev (1m)5.53%
PT rev (3m)20.76%
EPS NQ rev (1m)0%
EPS NQ rev (3m)6.96%
EPS NY rev (1m)0%
EPS NY rev (3m)11.8%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)1.66%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.17%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE N/A
P/S 0.31
P/FCF 4.83
P/OCF 4.61
P/B 3.47
P/tB 3.47
EV/EBITDA N/A
EPS(TTM)-1.74
EYN/A
EPS(NY)-0.03
Fwd EYN/A
FCF(TTM)2.78
FCFY20.71%
OCF(TTM)2.91
OCFY21.67%
SpS42.65
BVpS3.87
TBVpS3.87
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/A
Profitability
Industry RankSector Rank
ROA -4.25%
ROE -23.83%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM N/A
FCFM 6.52%
ROA(3y)-6.8%
ROA(5y)-11.11%
ROE(3y)-33.09%
ROE(5y)-46.23%
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-Score4
Asset Turnover1.96
Health
Industry RankSector Rank
Debt/Equity 0.67
Debt/FCF 0.93
Debt/EBITDA N/A
Cap/Depr 112.84%
Cap/Sales 0.3%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 0.17
Quick Ratio 0.17
Altman-Z 1.49
F-Score4
WACC8.69%
ROIC/WACCN/A
Cap/Depr(3y)119.89%
Cap/Depr(5y)132.19%
Cap/Sales(3y)0.49%
Cap/Sales(5y)1.18%
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 Y98.37%
EPS Next 2Y60.66%
EPS Next 3Y38.09%
EPS Next 5YN/A
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%17.25%
Revenue Next Year4.55%
Revenue Next 2Y9.48%
Revenue Next 3Y8.48%
Revenue Next 5YN/A
EBIT growth 1Y-453.4%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year-338.93%
EBIT Next 3Y80.3%
EBIT Next 5Y66.37%
FCF growth 1Y265.57%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y284.29%
OCF growth 3YN/A
OCF growth 5YN/A

OSCAR HEALTH INC - CLASS A / OSCR FAQ

What is the fundamental rating for OSCR stock?

ChartMill assigns a fundamental rating of 2 / 10 to OSCR.


What is the valuation status for OSCR stock?

ChartMill assigns a valuation rating of 2 / 10 to OSCAR HEALTH INC - CLASS A (OSCR). This can be considered as Overvalued.


Can you provide the profitability details for OSCAR HEALTH INC - CLASS A?

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


What is the earnings growth outlook for OSCAR HEALTH INC - CLASS A?

The Earnings per Share (EPS) of OSCAR HEALTH INC - CLASS A (OSCR) is expected to grow by 98.37% in the next year.