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

NYSE:OSCR - New York Stock Exchange, Inc. - US6877931096 - Common Stock - Currency: USD

14.38  -1.15 (-7.41%)

After market: 14.3993 +0.02 (+0.13%)

Fundamental Rating

4

Overall OSCR gets a fundamental rating of 4 out of 10. We evaluated OSCR against 145 industry peers in the Insurance industry. While OSCR seems to be doing ok healthwise, there are quite some concerns on its profitability. OSCR is not priced too expensively while it is growing strongly. Keep and eye on this one!


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

In the past year OSCR was profitable.
In the past year OSCR had a positive cash flow from operations.
OSCR had negative earnings in 4 of the past 5 years.
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

With a Return On Assets value of 2.11%, OSCR perfoms like the industry average, outperforming 53.10% of the companies in the same industry.
Looking at the Return On Equity, with a value of 9.25%, OSCR is in line with its industry, outperforming 46.90% of the companies in the same industry.
With a Return On Invested Capital value of 2.53%, OSCR perfoms like the industry average, outperforming 53.10% of the companies in the same industry.
Industry RankSector Rank
ROA 2.11%
ROE 9.25%
ROIC 2.53%
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 has a Profit Margin of 1.23%. This is in the lower half of the industry: OSCR underperforms 78.62% of its industry peers.
The Operating Margin of OSCR (1.68%) is worse than 81.38% of its industry peers.
Industry RankSector Rank
OM 1.68%
PM (TTM) 1.23%
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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5

2. Health

2.1 Basic Checks

With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), OSCR is destroying value.
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.
The debt/assets ratio for OSCR has been reduced compared to a year ago.
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

OSCR has an Altman-Z score of 1.57. This is a bad value and indicates that OSCR is not financially healthy and even has some risk of bankruptcy.
OSCR has a Altman-Z score of 1.57. This is amongst the best in the industry. OSCR outperforms 85.52% of its industry peers.
The Debt to FCF ratio of OSCR is 0.25, which is an excellent value as it means it would take OSCR, only 0.25 years of fcf income to pay off all of its debts.
With an excellent Debt to FCF ratio value of 0.25, OSCR belongs to the best of the industry, outperforming 88.28% of the companies in the same industry.
OSCR has a Debt/Equity ratio of 0.22. This is a healthy value indicating a solid balance between debt and equity.
OSCR has a Debt to Equity ratio of 0.22. This is in the better half of the industry: OSCR outperforms 69.66% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.22
Debt/FCF 0.25
Altman-Z 1.57
ROIC/WACC0.28
WACC9.05%
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 0.14 indicates that OSCR may have some problems paying its short term obligations.
OSCR's Current ratio of 0.14 is fine compared to the rest of the industry. OSCR outperforms 66.90% of its industry peers.
OSCR has a Quick Ratio of 0.14. This is a bad value and indicates that OSCR is not financially healthy enough and could expect problems in meeting its short term obligations.
Looking at the Quick ratio, with a value of 0.14, OSCR is in the better half of the industry, outperforming 66.90% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 0.14
Quick Ratio 0.14
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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7

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 170.00% over the past year.
OSCR shows a strong growth in Revenue. In the last year, the Revenue has grown by 54.51%.
The Revenue has been growing by 79.82% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)170%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%48.39%
Revenue 1Y (TTM)54.51%
Revenue growth 3Y70.9%
Revenue growth 5Y79.82%
Sales Q2Q%42.2%

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 340.78% on average per year.
Based on estimates for the next years, OSCR will show a quite strong growth in Revenue. The Revenue will grow by 12.18% on average per year.
EPS Next Y3619%
EPS Next 2Y586.81%
EPS Next 3Y340.78%
EPS Next 5YN/A
Revenue Next Year22.24%
Revenue Next 2Y10.89%
Revenue Next 3Y12.18%
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 2B 4B 6B 8B 10B
OSCR Yearly EPS VS EstimatesOSCR Yearly EPS VS EstimatesYearly EPS VS Estimates 2021 2022 2023 2024 2025 2026 2027 0 1 -1 -2 -3

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4

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 51.36 indicates a quite expensive valuation of OSCR.
Compared to the rest of the industry, the Price/Earnings ratio of OSCR indicates a rather expensive valuation: OSCR more expensive than 80.00% of the companies listed in the same industry.
When comparing the Price/Earnings ratio of OSCR to the average of the S&P500 Index (27.41), we can say OSCR is valued expensively.
A Price/Forward Earnings ratio of 15.92 indicates a correct valuation of OSCR.
Compared to the rest of the industry, the Price/Forward Earnings ratio of OSCR indicates a slightly more expensive valuation: OSCR is more expensive than 65.52% of the companies listed in the same industry.
When comparing the Price/Forward Earnings ratio of OSCR to the average of the S&P500 Index (35.19), we can say OSCR is valued rather cheaply.
Industry RankSector Rank
PE 51.36
Fwd PE 15.92
OSCR Price Earnings VS Forward Price EarningsOSCR Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30 40 50

4.2 Price Multiples

OSCR's Enterprise Value to EBITDA ratio is in line with the industry average.
Based on the Price/Free Cash Flow ratio, OSCR is valued a bit cheaper than 79.31% of the companies in the same industry.
Industry RankSector Rank
P/FCF 3.07
EV/EBITDA 8.63
OSCR Per share dataOSCR EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 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.
OSCR's earnings are expected to grow with 340.78% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.01
PEG (5Y)N/A
EPS Next 2Y586.81%
EPS Next 3Y340.78%

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0

5. Dividend

5.1 Amount

No dividends for OSCR!.
Industry RankSector Rank
Dividend Yield N/A

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OSCAR HEALTH INC - CLASS A

NYSE:OSCR (7/11/2025, 8:04:01 PM)

After market: 14.3993 +0.02 (+0.13%)

14.38

-1.15 (-7.41%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)05-07 2025-05-07/bmo
Earnings (Next)08-07 2025-08-07/amc
Inst Owners83.6%
Inst Owner Change0%
Ins Owners8.64%
Ins Owner Change16.98%
Market Cap3.66B
Analysts72.5
Price Target16.94 (17.8%)
Short Float %15.44%
Short Ratio2.25
Dividend
Industry RankSector Rank
Dividend Yield N/A
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)5.39%
Min EPS beat(2)-3.02%
Max EPS beat(2)13.81%
EPS beat(4)2
Avg EPS beat(4)1.56%
Min EPS beat(4)-25.82%
Max EPS beat(4)21.28%
EPS beat(8)6
Avg EPS beat(8)31.27%
EPS beat(12)7
Avg EPS beat(12)-1.42%
EPS beat(16)9
Avg EPS beat(16)-6.53%
Revenue beat(2)1
Avg Revenue beat(2)-0.41%
Min Revenue beat(2)-5.21%
Max Revenue beat(2)4.4%
Revenue beat(4)3
Avg Revenue beat(4)0.43%
Min Revenue beat(4)-5.21%
Max Revenue beat(4)4.4%
Revenue beat(8)5
Avg Revenue beat(8)1.01%
Revenue beat(12)7
Avg Revenue beat(12)2.33%
Revenue beat(16)11
Avg Revenue beat(16)13.43%
PT rev (1m)-9.97%
PT rev (3m)-9.15%
EPS NQ rev (1m)-7.85%
EPS NQ rev (3m)-22.77%
EPS NY rev (1m)0.88%
EPS NY rev (3m)-7.12%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)4.51%
Revenue NY rev (1m)-0.04%
Revenue NY rev (3m)1.29%
Valuation
Industry RankSector Rank
PE 51.36
Fwd PE 15.92
P/S 0.37
P/FCF 3.07
P/OCF 3
P/B 2.75
P/tB 2.75
EV/EBITDA 8.63
EPS(TTM)0.28
EY1.95%
EPS(NY)0.9
Fwd EY6.28%
FCF(TTM)4.68
FCFY32.53%
OCF(TTM)4.8
OCFY33.38%
SpS39.39
BVpS5.23
TBVpS5.23
PEG (NY)0.01
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 2.11%
ROE 9.25%
ROCE 3.24%
ROIC 2.53%
ROICexc 4.44%
ROICexgc 4.94%
OM 1.68%
PM (TTM) 1.23%
GM N/A
FCFM 11.88%
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
ROICexcg growth 3YN/A
ROICexcg 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-Score7
Asset Turnover1.72
Health
Industry RankSector Rank
Debt/Equity 0.22
Debt/FCF 0.25
Debt/EBITDA 1.5
Cap/Depr 99.71%
Cap/Sales 0.31%
Interest Coverage 7.43
Cash Conversion 611.51%
Profit Quality 965.99%
Current Ratio 0.14
Quick Ratio 0.14
Altman-Z 1.57
F-Score7
WACC9.05%
ROIC/WACC0.28
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)170%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%48.39%
EPS Next Y3619%
EPS Next 2Y586.81%
EPS Next 3Y340.78%
EPS Next 5YN/A
Revenue 1Y (TTM)54.51%
Revenue growth 3Y70.9%
Revenue growth 5Y79.82%
Sales Q2Q%42.2%
Revenue Next Year22.24%
Revenue Next 2Y10.89%
Revenue Next 3Y12.18%
Revenue Next 5YN/A
EBIT growth 1Y785.77%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year381.66%
EBIT Next 3Y110.46%
EBIT Next 5YN/A
FCF growth 1Y489.8%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y426.43%
OCF growth 3YN/A
OCF growth 5YN/A