OSCAR HEALTH INC - CLASS A (OSCR) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:OSCR - US6877931096 - Common Stock
16.885 USD
-1.08 (-6.04%)
OSCR gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 148 industry peers in the Insurance industry. While OSCR seems to be doing ok healthwise, there are quite some concerns on its profitability. While showing a medium growth rate, OSCR is valued expensive at the moment.
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.
1.2 Ratios
Looking at the Return On Assets, with a value of -4.25%, OSCR is doing worse than 90.54% of the companies in the same industry.
With a Return On Equity value of -23.83%, OSCR is not doing good in the industry: 90.54% of the companies in the same industry are doing better.
| Industry Rank | Sector 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
1.3 Margins
The Profit Margin and Operating Margin and Gross Margin are not available for OSCR so they could not be analyzed.
| Industry Rank | Sector 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
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 more shares outstanding than it did 1 year ago.
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.
2.2 Solvency
Based on the Altman-Z score of 1.63, we must say that OSCR is in the distress zone and has some risk of bankruptcy.
OSCR has a Altman-Z score of 1.63. This is amongst the best in the industry. OSCR outperforms 85.14% of its industry peers.
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.
OSCR's Debt to FCF ratio of 0.93 is fine compared to the rest of the industry. OSCR outperforms 70.95% of its industry peers.
OSCR has a Debt/Equity ratio of 0.67. This is a neutral value indicating OSCR is somewhat dependend on debt financing.
OSCR's Debt to Equity ratio of 0.67 is on the low side compared to the rest of the industry. OSCR is outperformed by 82.43% of its industry peers.
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 Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.67 | ||
| Debt/FCF | 0.93 | ||
| Altman-Z | 1.63 |
ROIC/WACCN/A
WACC8.67%
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 66.22% 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 66.22% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.17 | ||
| Quick Ratio | 0.17 |
3. Growth
3.1 Past
The earnings per share for OSCR have decreased strongly by -1766.67% in the last year.
The Revenue has grown by 38.96% in the past year. This is a very strong growth!
The Revenue has been growing by 79.82% on average over the past years. This is a very strong growth!
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
OSCR is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 174.87% yearly.
Based on estimates for the next years, OSCR will show a quite strong growth in Revenue. The Revenue will grow by 13.46% on average per year.
EPS Next Y-7231.61%
EPS Next 2Y-361.04%
EPS Next 3Y269.33%
EPS Next 5Y174.87%
Revenue Next Year30.02%
Revenue Next 2Y10.65%
Revenue Next 3Y11.6%
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.
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 Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | N/A |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, OSCR is valued a bit cheaper than the industry average as 66.22% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 6.08 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
OSCR's earnings are expected to grow with 269.33% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-361.04%
EPS Next 3Y269.33%
5. Dividend
5.1 Amount
No dividends for OSCR!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
NYSE:OSCR (12/1/2025, 3:08:09 PM)
16.885
-1.08 (-6.04%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners76.17%
Inst Owner Change-10.47%
Ins Owners3.76%
Ins Owner Change-0.67%
Market Cap4.47B
Revenue(TTM)11.29B
Net Income(TTM)-244.09M
Analysts50
Price Target14.09 (-16.55%)
Short Float %17.56%
Short Ratio2.14
Dividend
| Industry Rank | Sector 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)-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)11.44%
PT rev (3m)11.44%
EPS NQ rev (1m)4.65%
EPS NQ rev (3m)6.39%
EPS NY rev (1m)0%
EPS NY rev (3m)-7.39%
Revenue NQ rev (1m)1.9%
Revenue NQ rev (3m)1.51%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.13%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | N/A | ||
| P/S | 0.4 | ||
| P/FCF | 6.08 | ||
| P/OCF | 5.81 | ||
| P/B | 4.36 | ||
| P/tB | 4.36 | ||
| EV/EBITDA | N/A |
EPS(TTM)-1.12
EYN/A
EPS(NY)-0.43
Fwd EYN/A
FCF(TTM)2.78
FCFY16.46%
OCF(TTM)2.91
OCFY17.22%
SpS42.65
BVpS3.87
TBVpS3.87
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/A
Profitability
| Industry Rank | Sector 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 Rank | Sector 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 | 1.63 |
F-Score4
WACC8.67%
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-7231.61%
EPS Next 2Y-361.04%
EPS Next 3Y269.33%
EPS Next 5Y174.87%
Revenue 1Y (TTM)38.96%
Revenue growth 3Y70.9%
Revenue growth 5Y79.82%
Sales Q2Q%23.21%
Revenue Next Year30.02%
Revenue Next 2Y10.65%
Revenue Next 3Y11.6%
Revenue Next 5Y13.46%
EBIT growth 1Y-453.4%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year-343.66%
EBIT Next 3Y83.73%
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 of OSCAR HEALTH INC - CLASS A (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.
Can you provide the financial health for OSCR stock?
The financial health rating of OSCAR HEALTH INC - CLASS A (OSCR) is 4 / 10.