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

NYSE:OSCR • US6877931096

Current stock price

13.23 USD
+0.23 (+1.77%)
At close:
13.16 USD
-0.07 (-0.53%)
After Hours:

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

1

1. OSCR Profitability Analysis

1.1 Basic Checks

  • In the past year OSCR has reported negative net income.
  • In the past year OSCR had a positive cash flow from operations.
  • 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 2025 0 500M -500M 1B

1.2 Ratios

  • Looking at the Return On Assets, with a value of -7.01%, OSCR is doing worse than 86.58% of the companies in the same industry.
  • OSCR has a Return On Equity of -45.33%. This is amonst the worse of the industry: OSCR underperforms 87.92% of its industry peers.
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
OSCR Yearly ROA, ROE, ROICOSCR 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 OSCR 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
OSCR Yearly Profit, Operating, Gross MarginsOSCR 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. OSCR Health Analysis

2.1 Basic Checks

  • OSCR does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • The number of shares outstanding for OSCR has been increased compared to 1 year ago.
  • The number of shares outstanding for OSCR has been increased compared to 5 years ago.
  • OSCR has a worse debt/assets ratio than last year.
OSCR Yearly Shares OutstandingOSCR Yearly Shares OutstandingYearly Shares Outstanding 2019 2020 2021 2022 2023 2024 2025 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 2025 2B 4B 6B

2.2 Solvency

  • Based on the Altman-Z score of 1.24, we must say that OSCR is in the distress zone and has some risk of bankruptcy.
  • The Altman-Z score of OSCR (1.24) is better than 84.56% of its industry peers.
  • The Debt to FCF ratio of OSCR is 0.41, which is an excellent value as it means it would take OSCR, only 0.41 years of fcf income to pay off all of its debts.
  • The Debt to FCF ratio of OSCR (0.41) is better than 85.23% of its industry peers.
  • OSCR has a Debt/Equity ratio of 0.44. This is a healthy value indicating a solid balance between debt and equity.
  • OSCR's Debt to Equity ratio of 0.44 is on the low side compared to the rest of the industry. OSCR is outperformed by 63.76% of its industry peers.
  • Although OSCR's pure debt/equity ratio does not look good, it has limited outstanding debt compared to the Free Cash Flow. 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 0.44
Debt/FCF 0.41
Altman-Z 1.24
ROIC/WACCN/A
WACC8.4%
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 2025 0 500M 1B

2.3 Liquidity

  • A Current Ratio of 0.09 indicates that OSCR may have some problems paying its short term obligations.
  • OSCR has a Current ratio of 0.09. This is in the better half of the industry: OSCR outperforms 65.10% of its industry peers.
  • A Quick Ratio of 0.09 indicates that OSCR may have some problems paying its short term obligations.
  • OSCR's Quick ratio of 0.09 is fine compared to the rest of the industry. OSCR outperforms 65.10% of its industry peers.
Industry RankSector Rank
Current Ratio 0.09
Quick Ratio 0.09
OSCR Yearly Current Assets VS Current LiabilitesOSCR 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. OSCR Growth Analysis

3.1 Past

  • The earnings per share for OSCR have decreased strongly by -8600.00% in the last year.
  • Looking at the last year, OSCR shows a very strong growth in Revenue. The Revenue has grown by 28.81%.
  • Measured over the past years, OSCR shows a very strong growth in Revenue. The Revenue has been growing by 90.80% on average per year.
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

  • OSCR is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 45.89% yearly.
  • The Revenue is expected to grow by 21.64% on average over the next years. This is a very strong growth
EPS Next Y132.83%
EPS Next 2Y65.88%
EPS Next 3Y45.89%
EPS Next 5YN/A
Revenue Next Year56.29%
Revenue Next 2Y28.35%
Revenue Next 3Y21.64%
Revenue Next 5YN/A

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 20B
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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3

4. OSCR Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings Ratio is negative for OSCR. In the last year negative earnings were reported.
  • With a Price/Forward Earnings ratio of 23.16, OSCR is valued on the expensive side.
  • Based on the Price/Forward Earnings ratio, OSCR is valued a bit more expensive than the industry average as 77.18% of the companies are valued more cheaply.
  • OSCR is valuated at similar levels of the S&P average when we compare the Price/Forward Earnings ratio to 23.84, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE N/A
Fwd PE 23.16
OSCR Price Earnings VS Forward Price EarningsOSCR Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 10 20

4.2 Price Multiples

  • Based on the Price/Free Cash Flow ratio, OSCR is valued a bit cheaper than the industry average as 75.84% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 3.72
EV/EBITDA N/A
OSCR Per share dataOSCR 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.
  • A more expensive valuation may be justified as OSCR's earnings are expected to grow with 45.89% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y65.88%
EPS Next 3Y45.89%

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

0

5. OSCR Dividend Analysis

5.1 Amount

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

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OSCR Fundamentals: All Metrics, Ratios and Statistics

OSCAR HEALTH INC - CLASS A

NYSE:OSCR (3/13/2026, 8:04:00 PM)

After market: 13.16 -0.07 (-0.53%)

13.23

+0.23 (+1.77%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-10
Earnings (Next)05-05
Inst Owners65.34%
Inst Owner Change5.85%
Ins Owners3.16%
Ins Owner Change19.81%
Market Cap3.94B
Revenue(TTM)11.70B
Net Income(TTM)-443.15M
Analysts52.94
Price Target16 (20.94%)
Short Float %12.67%
Short Ratio3.26
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)-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)4
Avg Revenue beat(8)-1.71%
Revenue beat(12)6
Avg Revenue beat(12)1.16%
Revenue beat(16)8
Avg Revenue beat(16)2.03%
PT rev (1m)-1.41%
PT rev (3m)5.26%
EPS NQ rev (1m)55.41%
EPS NQ rev (3m)51.82%
EPS NY rev (1m)2115.84%
EPS NY rev (3m)809.85%
Revenue NQ rev (1m)54.31%
Revenue NQ rev (3m)55.46%
Revenue NY rev (1m)49.48%
Revenue NY rev (3m)51.31%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE 23.16
P/S 0.34
P/FCF 3.72
P/OCF 3.6
P/B 4.03
P/tB 4.03
EV/EBITDA N/A
EPS(TTM)-1.74
EYN/A
EPS(NY)0.57
Fwd EY4.32%
FCF(TTM)3.55
FCFY26.87%
OCF(TTM)3.68
OCFY27.79%
SpS39.3
BVpS3.28
TBVpS3.28
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/A
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 1.24
F-Score2
WACC8.4%
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 2Y65.88%
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 Year56.29%
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 Year231.32%
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 / OSCR Fundamental Analysis FAQ

What is the fundamental rating for OSCR stock?

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


What is the valuation status for OSCR stock?

ChartMill assigns a valuation rating of 3 / 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 132.83% in the next year.