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

NYSE:OSCR • US6877931096

Current stock price

11.14 USD
-0.7 (-5.91%)
At close:
11.11 USD
-0.03 (-0.27%)
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

  • 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.
  • 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

  • OSCR's Return On Assets of -7.01% is on the low side compared to the rest of the industry. OSCR is outperformed by 87.16% of its industry peers.
  • With a Return On Equity value of -45.33%, OSCR is not doing good in the industry: 88.51% of the companies in the same industry are doing better.
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

  • 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 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.
  • Compared to 1 year ago, OSCR has more shares outstanding
  • Compared to 5 years ago, OSCR has more shares outstanding
  • The debt/assets ratio for OSCR is higher compared to a year ago.
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 1.20, we must say that OSCR is in the distress zone and has some risk of bankruptcy.
  • The Altman-Z score of OSCR (1.20) is better than 83.11% 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.
  • Looking at the Debt to FCF ratio, with a value of 0.41, OSCR belongs to the top of the industry, outperforming 85.14% of the companies in the same industry.
  • A Debt/Equity ratio of 0.44 indicates that OSCR is not too dependend on debt financing.
  • OSCR has a Debt to Equity ratio of 0.44. This is in the lower half of the industry: OSCR underperforms 64.86% 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 0.44
Debt/FCF 0.41
Altman-Z 1.2
ROIC/WACCN/A
WACC8.43%
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

  • OSCR has a Current Ratio of 0.09. 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 Current ratio of 0.09 is fine compared to the rest of the industry. OSCR outperforms 64.86% of its industry peers.
  • OSCR has a Quick Ratio of 0.09. 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 0.09 is fine compared to the rest of the industry. OSCR outperforms 64.86% 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

  • OSCR shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -8600.00%.
  • OSCR shows a strong growth in Revenue. In the last year, the Revenue has grown by 28.81%.
  • The Revenue has been growing by 90.80% on average over the past years. This is a very strong growth!
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

  • Based on estimates for the next years, OSCR will show a very strong growth in Earnings Per Share. The EPS will grow by 45.89% on average per year.
  • OSCR is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 21.64% yearly.
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

  • Although the future Revenue growth is still strong, it is not able to hold up the even more excellent growth rate of 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

  • OSCR reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
  • With a Price/Forward Earnings ratio of 19.50, OSCR is valued on the expensive side.
  • 77.70% of the companies in the same industry are cheaper than OSCR, based on the Price/Forward Earnings ratio.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 22.19, OSCR is valued at the same level.
Industry RankSector Rank
PE N/A
Fwd PE 19.5
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 76.35% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 3.13
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

  • No dividends for OSCR!.
Industry RankSector Rank
Dividend Yield 0%

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OSCR Fundamentals: All Metrics, Ratios and Statistics

OSCAR HEALTH INC - CLASS A

NYSE:OSCR (3/27/2026, 7:00:00 PM)

After market: 11.11 -0.03 (-0.27%)

11.14

-0.7 (-5.91%)

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 Change18.5%
Market Cap3.32B
Revenue(TTM)11.70B
Net Income(TTM)-443.15M
Analysts52.94
Price Target16 (43.63%)
Short Float %10.22%
Short Ratio3.05
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)11.78%
EPS NQ rev (3m)55.41%
EPS NY rev (1m)2115.84%
EPS NY rev (3m)809.85%
Revenue NQ rev (1m)11.29%
Revenue NQ rev (3m)56.48%
Revenue NY rev (1m)19.01%
Revenue NY rev (3m)51.31%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE 19.5
P/S 0.28
P/FCF 3.13
P/OCF 3.03
P/B 3.39
P/tB 3.39
EV/EBITDA N/A
EPS(TTM)-1.74
EYN/A
EPS(NY)0.57
Fwd EY5.13%
FCF(TTM)3.55
FCFY31.91%
OCF(TTM)3.68
OCFY33.01%
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 1.2
F-Score2
WACC8.43%
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.