OSCAR HEALTH INC - CLASS A (OSCR) Stock Fundamental Analysis
USA - NYSE:OSCR - US6877931096 - Common Stock
17.72 USD
+1.16 (+7%)
17.96 USD
+0.24 (+1.35%)
OSCR gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 146 industry peers in the Insurance industry. The financial health of OSCR is average, but 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
OSCR had negative earnings in the past year.
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
With a Return On Assets value of -2.53%, OSCR is not doing good in the industry: 89.73% of the companies in the same industry are doing better.
Looking at the Return On Equity, with a value of -13.92%, OSCR is doing worse than 89.04% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -2.53% | ||
| ROE | -13.92% | ||
| 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.
The number of shares outstanding for OSCR has been increased compared to 1 year ago.
Compared to 5 years ago, OSCR has more shares outstanding
Compared to 1 year ago, OSCR has an improved debt to assets ratio.
2.2 Solvency
Based on the Altman-Z score of 1.40, we must say that OSCR is in the distress zone and has some risk of bankruptcy.
The Altman-Z score of OSCR (1.40) is better than 83.56% 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 89.73% of the companies in the same industry.
A Debt/Equity ratio of 0.26 indicates that OSCR is not too dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.26, OSCR is in the better half of the industry, outperforming 60.96% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.26 | ||
| Debt/FCF | 0.25 | ||
| Altman-Z | 1.4 |
ROIC/WACCN/A
WACC8.75%
2.3 Liquidity
A Current Ratio of 0.15 indicates that OSCR may have some problems paying its short term obligations.
With a decent Current ratio value of 0.15, OSCR is doing good in the industry, outperforming 65.75% of the companies in the same industry.
A Quick Ratio of 0.15 indicates that OSCR may have some problems paying its short term obligations.
The Quick ratio of OSCR (0.15) is better than 65.75% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.15 | ||
| Quick Ratio | 0.15 |
3. Growth
3.1 Past
The earnings per share for OSCR have decreased strongly by -1766.67% in the last year.
OSCR shows a strong growth in Revenue. In the last year, the Revenue has grown by 56.54%.
OSCR shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 79.82% yearly.
EPS 1Y (TTM)-1766.67%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-140.91%
Revenue 1Y (TTM)56.54%
Revenue growth 3Y70.9%
Revenue growth 5Y79.82%
Sales Q2Q%23.21%
3.2 Future
The Earnings Per Share is expected to grow by 174.87% on average over the next years. This is a very strong growth
Based on estimates for the next years, OSCR will show a quite strong growth in Revenue. The Revenue will grow by 12.77% 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 5Y12.77%
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
The Price/Earnings Ratio is negative for OSCR. In the last year negative earnings were reported.
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
77.40% of the companies in the same industry are more expensive than OSCR, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 3.81 | ||
| 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
OSCR does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
17.72
+1.16 (+7%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners76.17%
Inst Owner Change-6.22%
Ins Owners3.76%
Ins Owner Change-1%
Market Cap4.58B
Revenue(TTM)9.18B
Net Income(TTM)-161.23M
Analysts50
Price Target13.44 (-24.15%)
Short Float %18.05%
Short Ratio2.1
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)-37.35%
Min EPS beat(2)-88.51%
Max EPS beat(2)13.81%
EPS beat(4)1
Avg EPS beat(4)-25.89%
Min EPS beat(4)-88.51%
Max EPS beat(4)13.81%
EPS beat(8)5
Avg EPS beat(8)11.44%
EPS beat(12)7
Avg EPS beat(12)-8.08%
EPS beat(16)8
Avg EPS beat(16)-13.7%
Revenue beat(2)1
Avg Revenue beat(2)0.76%
Min Revenue beat(2)-2.88%
Max Revenue beat(2)4.4%
Revenue beat(4)2
Avg Revenue beat(4)-0.53%
Min Revenue beat(4)-5.21%
Max Revenue beat(4)4.4%
Revenue beat(8)4
Avg Revenue beat(8)0.19%
Revenue beat(12)6
Avg Revenue beat(12)1.71%
Revenue beat(16)10
Avg Revenue beat(16)4.13%
PT rev (1m)6.31%
PT rev (3m)-1.95%
EPS NQ rev (1m)1.03%
EPS NQ rev (3m)-19.95%
EPS NY rev (1m)-6.91%
EPS NY rev (3m)-308.34%
Revenue NQ rev (1m)-0.19%
Revenue NQ rev (3m)1.68%
Revenue NY rev (1m)-0.13%
Revenue NY rev (3m)2.04%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | N/A | ||
| P/S | 0.43 | ||
| P/FCF | 3.81 | ||
| P/OCF | 3.71 | ||
| P/B | 3.96 | ||
| P/tB | 3.96 | ||
| EV/EBITDA | N/A |
EPS(TTM)-1.12
EYN/A
EPS(NY)-0.43
Fwd EYN/A
FCF(TTM)4.65
FCFY26.23%
OCF(TTM)4.77
OCFY26.94%
SpS41.48
BVpS4.48
TBVpS4.48
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -2.53% | ||
| ROE | -13.92% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | N/A | ||
| GM | N/A | ||
| FCFM | 11.2% |
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 Turnover1.68
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.26 | ||
| Debt/FCF | 0.25 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 107.41% | ||
| Cap/Sales | 0.3% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | N/A | ||
| Current Ratio | 0.15 | ||
| Quick Ratio | 0.15 | ||
| Altman-Z | 1.4 |
F-Score4
WACC8.75%
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)56.54%
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 5Y12.77%
EBIT growth 1Y-360.53%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year-343.66%
EBIT Next 3Y83.73%
EBIT Next 5Y66.44%
FCF growth 1Y682.8%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y573.74%
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 5 / 10.