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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

16.47  -0.28 (-1.67%)

Premarket: 16.33 -0.14 (-0.85%)

Fundamental Rating

4

We assign a fundamental rating of 4 out of 10 to OSCR. OSCR was compared to 143 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 overvalued while it is showing excellent growth. This is an interesting combination.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

OSCR had positive earnings in the past year.
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 0 500M -500M

1.2 Ratios

With a Return On Assets value of 2.11%, OSCR perfoms like the industry average, outperforming 48.95% of the companies in the same industry.
The Return On Equity of OSCR (9.25%) is comparable to the rest of the industry.
The Return On Invested Capital of OSCR (2.53%) is comparable to the rest of the 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 amonst the worse of the industry: OSCR underperforms 80.42% of its industry peers.
OSCR's Operating Margin of 1.68% is on the low side compared to the rest of the industry. OSCR is outperformed by 81.82% 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.
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.
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 1.64, we must say that OSCR is in the distress zone and has some risk of bankruptcy.
OSCR's Altman-Z score of 1.64 is amongst the best of the industry. OSCR outperforms 87.41% 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.
OSCR has a Debt to FCF ratio of 0.25. This is amongst the best in the industry. OSCR outperforms 88.11% of its industry peers.
A Debt/Equity ratio of 0.22 indicates that OSCR is not too dependend on debt financing.
With a decent Debt to Equity ratio value of 0.22, OSCR is doing good in the industry, outperforming 69.93% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.22
Debt/FCF 0.25
Altman-Z 1.64
ROIC/WACC0.28
WACC9.08%
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 0.14. This is a bad value and indicates that OSCR is not financially healthy enough and could expect problems in meeting its short term obligations.
With a decent Current ratio value of 0.14, OSCR is doing good in the industry, outperforming 66.43% of the companies in the same industry.
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.
OSCR has a Quick ratio of 0.14. This is in the better half of the industry: OSCR outperforms 66.43% of its industry peers.
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%.
OSCR shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 79.82% yearly.
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

The Earnings Per Share is expected to grow by 367.69% on average over the next years. This is a very strong growth
OSCR is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 12.57% yearly.
EPS Next Y3588.4%
EPS Next 2Y591.18%
EPS Next 3Y367.69%
EPS Next 5YN/A
Revenue Next Year22.57%
Revenue Next 2Y11.02%
Revenue Next 3Y12.57%
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 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 -2 -3

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4

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 58.82, OSCR can be considered very expensive at the moment.
Based on the Price/Earnings ratio, OSCR is valued expensively inside the industry as 83.22% of the companies are valued cheaper.
When comparing the Price/Earnings ratio of OSCR to the average of the S&P500 Index (26.60), we can say OSCR is valued expensively.
Based on the Price/Forward Earnings ratio of 17.99, the valuation of OSCR can be described as rather expensive.
Based on the Price/Forward Earnings ratio, OSCR is valued a bit more expensive than 66.43% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of OSCR to the average of the S&P500 Index (22.43), we can say OSCR is valued inline with the index average.
Industry RankSector Rank
PE 58.82
Fwd PE 17.99
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

The rest of the industry has a similar Enterprise Value to EBITDA ratio as OSCR.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of OSCR indicates a somewhat cheap valuation: OSCR is cheaper than 76.22% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 3.52
EV/EBITDA 11.28
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 367.69% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.02
PEG (5Y)N/A
EPS Next 2Y591.18%
EPS Next 3Y367.69%

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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 (5/20/2025, 8:25:19 PM)

Premarket: 16.33 -0.14 (-0.85%)

16.47

-0.28 (-1.67%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)05-07 2025-05-07/bmo
Earnings (Next)08-05 2025-08-05/amc
Inst Owners87.89%
Inst Owner Change-2.5%
Ins Owners2.66%
Ins Owner Change16.05%
Market Cap4.19B
Analysts72
Price Target18.64 (13.18%)
Short Float %8.21%
Short Ratio3.01
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)0%
PT rev (3m)0%
EPS NQ rev (1m)-18.13%
EPS NQ rev (3m)-4.37%
EPS NY rev (1m)-5.98%
EPS NY rev (3m)-7.92%
Revenue NQ rev (1m)3.17%
Revenue NQ rev (3m)3.24%
Revenue NY rev (1m)1.56%
Revenue NY rev (3m)-1.74%
Valuation
Industry RankSector Rank
PE 58.82
Fwd PE 17.99
P/S 0.42
P/FCF 3.52
P/OCF 3.43
P/B 3.14
P/tB 3.14
EV/EBITDA 11.28
EPS(TTM)0.28
EY1.7%
EPS(NY)0.92
Fwd EY5.56%
FCF(TTM)4.68
FCFY28.42%
OCF(TTM)4.8
OCFY29.16%
SpS39.42
BVpS5.24
TBVpS5.24
PEG (NY)0.02
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 1.64
F-Score7
WACC9.08%
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 Y3588.4%
EPS Next 2Y591.18%
EPS Next 3Y367.69%
EPS Next 5YN/A
Revenue 1Y (TTM)54.51%
Revenue growth 3Y70.9%
Revenue growth 5Y79.82%
Sales Q2Q%42.2%
Revenue Next Year22.57%
Revenue Next 2Y11.02%
Revenue Next 3Y12.57%
Revenue Next 5YN/A
EBIT growth 1Y785.77%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year397.38%
EBIT Next 3Y114.16%
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