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

USA • New York Stock Exchange • NYSE:OSCR • US6877931096

13.21 USD
+0.55 (+4.34%)
Last: Feb 10, 2026, 11:17 AM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

3

Overall OSCR gets a fundamental rating of 3 out of 10. We evaluated OSCR against 149 industry peers in the Insurance industry. The financial health of OSCR is average, but there are quite some concerns on its profitability. OSCR is valied quite expensively at the moment, while it does show a decent growth rate.


Dividend Valuation Growth Profitability Health

1

1. Profitability

1.1 Basic Checks

  • OSCR had negative earnings in the past year.
  • OSCR had a positive operating cash flow in the past year.
  • OSCR had negative earnings in 4 of the past 5 years.
  • The reported operating cash flow has been mixed in the past 5 years: OSCR reported negative operating cash flow in multiple 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

  • With a Return On Assets value of -4.25%, OSCR is not doing good in the industry: 85.91% of the companies in the same industry are doing better.
  • OSCR has a Return On Equity of -23.83%. This is amonst the worse of the industry: OSCR underperforms 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

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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.
  • Compared to 1 year ago, OSCR has more shares outstanding
  • The number of shares outstanding for OSCR has been increased compared to 5 years ago.
  • OSCR has a better debt/assets ratio than last year.
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 1.46, we must say that OSCR is in the distress zone and has some risk of bankruptcy.
  • Looking at the Altman-Z score, with a value of 1.46, OSCR belongs to the top of the industry, outperforming 86.58% of the companies in the same industry.
  • The Debt to FCF ratio of OSCR is 0.93, which is an excellent value as it means it would take OSCR, only 0.93 years of fcf income to pay off 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.
  • OSCR has a Debt/Equity ratio of 0.67. This is a neutral value indicating OSCR is somewhat dependend on debt financing.
  • OSCR has a worse Debt to Equity ratio (0.67) than 79.19% of its industry peers.
  • Even though the debt/equity ratio score it not favorable for OSCR, it has very limited outstanding debt, so we won't put too much weight on the DE evaluation.
Industry RankSector Rank
Debt/Equity 0.67
Debt/FCF 0.93
Altman-Z 1.46
ROIC/WACCN/A
WACC8.86%
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

  • OSCR has a Current Ratio of 0.17. This is a bad value and indicates that OSCR is not financially healthy enough and could expect problems in meeting 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.
  • OSCR has a Quick Ratio of 0.17. This is a bad value and indicates that OSCR is not financially healthy enough and could expect problems in meeting its short term obligations.
  • OSCR's Quick ratio of 0.17 is fine compared to the rest 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

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

6

3. Growth

3.1 Past

  • OSCR shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -1766.67%.
  • The Revenue has grown by 38.96% in the past year. This is a very strong growth!
  • OSCR shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 79.82% yearly.
EPS 1Y (TTM)-1766.67%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-140.91%
Revenue 1Y (TTM)38.96%
Revenue growth 3Y70.9%
Revenue growth 5Y79.82%
Sales Q2Q%23.21%

3.2 Future

  • Based on estimates for the next years, OSCR will show a very strong growth in Earnings Per Share. The EPS will grow by 174.87% on average per year.
  • The Revenue is expected to grow by 13.46% on average over the next years. This is quite good.
EPS Next Y-6366.8%
EPS Next 2Y-19.03%
EPS Next 3Y274.59%
EPS Next 5Y174.87%
Revenue Next Year29.79%
Revenue Next 2Y16.49%
Revenue Next 3Y15.87%
Revenue Next 5Y13.46%

3.3 Evolution

  • The estimated forward Revenue growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
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

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Find the best growth stocksShow best growing peers

2

4. Valuation

4.1 Price/Earnings Ratio

  • OSCR reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
  • 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

  • Based on the Price/Free Cash Flow ratio, OSCR is valued a bit cheaper than the industry average as 74.50% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 4.75
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 274.59% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-19.03%
EPS Next 3Y274.59%

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 (2/10/2026, 11:17:08 AM)

13.21

+0.55 (+4.34%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)11-06
Earnings (Next)02-10
Inst Owners66.41%
Inst Owner Change-1.3%
Ins Owners3.64%
Ins Owner Change-3.52%
Market Cap3.50B
Revenue(TTM)11.29B
Net Income(TTM)-244.09M
Analysts48.75
Price Target16.23 (22.86%)
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 4.75
P/OCF 4.54
P/B 3.41
P/tB 3.41
EV/EBITDA N/A
EPS(TTM)-1.12
EYN/A
EPS(NY)-0.03
Fwd EYN/A
FCF(TTM)2.78
FCFY21.04%
OCF(TTM)2.91
OCFY22.02%
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 1.46
F-Score4
WACC8.86%
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)-1766.67%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-140.91%
EPS Next Y-6366.8%
EPS Next 2Y-19.03%
EPS Next 3Y274.59%
EPS Next 5Y174.87%
Revenue 1Y (TTM)38.96%
Revenue growth 3Y70.9%
Revenue growth 5Y79.82%
Sales Q2Q%23.21%
Revenue Next Year29.79%
Revenue Next 2Y16.49%
Revenue Next 3Y15.87%
Revenue Next 5Y13.46%
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 3 / 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 decline by -6366.8% in the next year.