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

USA - NYSE:OSCR - US6877931096 - Common Stock

17.9669 USD
-0.53 (-2.88%)
Last: 9/23/2025, 3:15:09 PM
Fundamental Rating

3

OSCR gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 146 industry peers in the Insurance industry. OSCR scores quite bad on profitability, while its financial health is fine. Not spectacular, but in line with the averages. OSCR is quite expensive at the moment. It does show a decent growth rate.


Dividend Valuation Growth Profitability Health

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1

1. Profitability

1.1 Basic Checks

In the past year OSCR has reported negative net income.
In the past year OSCR had a positive cash flow from operations.
OSCR had negative earnings in 4 of the past 5 years.
The reported operating cash flow has been mixed in the past 5 years: OSCR reported negative operating cash flow in multiple 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

OSCR has a worse Return On Assets (-2.53%) than 89.04% of its industry peers.
Looking at the Return On Equity, with a value of -13.92%, OSCR is doing worse than 89.73% of the companies in the same industry.
Industry RankSector 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
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

The Profit Margin and Operating Margin and Gross Margin are not available for OSCR so they could not be analyzed.
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 0 -20 -40 -60 -80

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5

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.
OSCR has more shares outstanding than it did 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

OSCR has an Altman-Z score of 1.45. This is a bad value and indicates that OSCR is not financially healthy and even has some risk of bankruptcy.
Looking at the Altman-Z score, with a value of 1.45, OSCR belongs to the top of the industry, outperforming 83.56% of the companies in the same industry.
OSCR has a debt to FCF ratio of 0.25. This is a very positive value and a sign of high solvency as it would only need 0.25 years to pay back of all of its debts.
OSCR has a better Debt to FCF ratio (0.25) than 89.04% of its industry peers.
A Debt/Equity ratio of 0.26 indicates that OSCR is not too dependend on debt financing.
With a decent Debt to Equity ratio value of 0.26, OSCR is doing good in the industry, outperforming 60.27% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.26
Debt/FCF 0.25
Altman-Z 1.45
ROIC/WACCN/A
WACC8.78%
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 0.15. 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 better Current ratio (0.15) than 65.75% of its industry peers.
OSCR has a Quick Ratio of 0.15. 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 0.15. This is in the better half of the industry: OSCR outperforms 65.75% of its industry peers.
Industry RankSector Rank
Current Ratio 0.15
Quick Ratio 0.15
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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6

3. Growth

3.1 Past

OSCR shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -523.08%.
The Revenue has grown by 50.22% in the past year. This is a very strong growth!
OSCR shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 79.82% yearly.
EPS 1Y (TTM)-523.08%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-545%
Revenue 1Y (TTM)50.22%
Revenue growth 3Y70.9%
Revenue growth 5Y79.82%
Sales Q2Q%29.04%

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 304.03% on average per year.
The Revenue is expected to grow by 11.84% on average over the next years. This is quite good.
EPS Next Y-6726.86%
EPS Next 2Y-181.31%
EPS Next 3Y304.03%
EPS Next 5YN/A
Revenue Next Year30.19%
Revenue Next 2Y10.47%
Revenue Next 3Y11.84%
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 -3

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2

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 RankSector Rank
PE N/A
Fwd PE N/A
OSCR Price Earnings VS Forward Price EarningsOSCR Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 -50 -100

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 RankSector Rank
P/FCF 3.87
EV/EBITDA N/A
OSCR Per share dataOSCR EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 10 20 30 40

4.3 Compensation for Growth

OSCR's earnings are expected to grow with 304.03% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-181.31%
EPS Next 3Y304.03%

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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 (9/23/2025, 3:15:09 PM)

17.9669

-0.53 (-2.88%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)08-06 2025-08-06/bmo
Earnings (Next)11-05 2025-11-05/amc
Inst Owners83.77%
Inst Owner Change-10.89%
Ins Owners3.86%
Ins Owner Change11.77%
Market Cap4.65B
Analysts49.33
Price Target12.64 (-29.65%)
Short Float %23.33%
Short Ratio1.93
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)-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)-0.8%
PT rev (3m)-25.36%
EPS NQ rev (1m)-5.99%
EPS NQ rev (3m)-432.18%
EPS NY rev (1m)0%
EPS NY rev (3m)-294%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)11.15%
Revenue NY rev (1m)0%
Revenue NY rev (3m)6.5%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE N/A
P/S 0.43
P/FCF 3.87
P/OCF 3.76
P/B 4.01
P/tB 4.01
EV/EBITDA N/A
EPS(TTM)-0.81
EYN/A
EPS(NY)-0.16
Fwd EYN/A
FCF(TTM)4.65
FCFY25.87%
OCF(TTM)4.77
OCFY26.57%
SpS41.48
BVpS4.48
TBVpS4.48
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector 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
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-Score4
Asset Turnover1.68
Health
Industry RankSector 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 1.45
F-Score4
WACC8.78%
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)-523.08%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-545%
EPS Next Y-6726.86%
EPS Next 2Y-181.31%
EPS Next 3Y304.03%
EPS Next 5YN/A
Revenue 1Y (TTM)50.22%
Revenue growth 3Y70.9%
Revenue growth 5Y79.82%
Sales Q2Q%29.04%
Revenue Next Year30.19%
Revenue Next 2Y10.47%
Revenue Next 3Y11.84%
Revenue Next 5YN/A
EBIT growth 1Y-360.53%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year-151.44%
EBIT Next 3Y94.42%
EBIT Next 5YN/A
FCF growth 1Y682.8%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y573.74%
OCF growth 3YN/A
OCF growth 5YN/A