OSCAR HEALTH INC - CLASS A (OSCR) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:OSCR - US6877931096 - Common Stock
17.66 USD
-0.07 (-0.39%)
17.7 USD
+0.04 (+0.23%)
Taking everything into account, OSCR scores 3 out of 10 in our fundamental rating. OSCR was compared to 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.
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.
1.2 Ratios
OSCR has a worse Return On Assets (-4.25%) than 86.30% of its industry peers.
The Return On Equity of OSCR (-23.83%) is worse than 86.99% of its industry peers.
| 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.
Compared to 1 year ago, OSCR has more shares outstanding
The number of shares outstanding for OSCR has been increased compared to 5 years ago.
The debt/assets ratio for OSCR has been reduced compared to a year ago.
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 86.30% of its industry peers.
OSCR has a debt to FCF ratio of 0.93. This is a very positive value and a sign of high solvency as it would only need 0.93 years to pay back of all of its debts.
OSCR's Debt to FCF ratio of 0.93 is fine compared to the rest of the industry. OSCR outperforms 71.23% 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 80.14% 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
WACC8.82%
2.3 Liquidity
A Current Ratio of 0.17 indicates that OSCR may have some problems paying its short term obligations.
OSCR's Current ratio of 0.17 is fine compared to the rest of the industry. OSCR outperforms 67.81% of its industry peers.
A Quick Ratio of 0.17 indicates that OSCR may have some problems paying its short term obligations.
OSCR has a Quick ratio of 0.17. This is in the better half of the industry: OSCR outperforms 67.81% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.17 | ||
| Quick Ratio | 0.17 |
3. Growth
3.1 Past
OSCR shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -1766.67%.
Looking at the last year, OSCR shows a very strong growth in Revenue. The Revenue has grown by 38.96%.
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
The Earnings Per Share is expected to grow by 174.87% on average over the next years. This is a very strong growth
The Revenue is expected to grow by 13.46% on average over the next years. This is quite good.
EPS Next Y-6366.8%
EPS Next 2Y-123.56%
EPS Next 3Y272.85%
EPS Next 5Y174.87%
Revenue Next Year29.79%
Revenue Next 2Y15.94%
Revenue Next 3Y15.28%
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
The Price/Earnings Ratio is negative for OSCR. In the last year negative earnings were reported.
Also next year OSCR is expected to report negative earnings again, which makes the also the Forward Price/Earnings Ratio negative.
| 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 63.70% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 6.35 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
OSCR's earnings are expected to grow with 272.85% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-123.56%
EPS Next 3Y272.85%
5. Dividend
5.1 Amount
OSCR does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
17.66
-0.07 (-0.39%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners66.41%
Inst Owner Change0.95%
Ins Owners3.64%
Ins Owner Change-3.52%
Market Cap4.67B
Revenue(TTM)11.29B
Net Income(TTM)-244.09M
Analysts48.75
Price Target15.38 (-12.91%)
Short Float %13.06%
Short Ratio2.21
Dividend
| Industry Rank | Sector 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)-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)1.17%
PT rev (3m)21.66%
EPS NQ rev (1m)-1.05%
EPS NQ rev (3m)9.03%
EPS NY rev (1m)0.65%
EPS NY rev (3m)5.7%
Revenue NQ rev (1m)0.25%
Revenue NQ rev (3m)2.15%
Revenue NY rev (1m)0.02%
Revenue NY rev (3m)-0.3%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | N/A | ||
| P/S | 0.41 | ||
| P/FCF | 6.35 | ||
| P/OCF | 6.07 | ||
| P/B | 4.56 | ||
| P/tB | 4.56 | ||
| EV/EBITDA | N/A |
EPS(TTM)-1.12
EYN/A
EPS(NY)-0.1
Fwd EYN/A
FCF(TTM)2.78
FCFY15.74%
OCF(TTM)2.91
OCFY16.47%
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
WACC8.82%
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-6366.8%
EPS Next 2Y-123.56%
EPS Next 3Y272.85%
EPS Next 5Y174.87%
Revenue 1Y (TTM)38.96%
Revenue growth 3Y70.9%
Revenue growth 5Y79.82%
Sales Q2Q%23.21%
Revenue Next Year29.79%
Revenue Next 2Y15.94%
Revenue Next 3Y15.28%
Revenue Next 5Y13.46%
EBIT growth 1Y-453.4%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year-338.93%
EBIT Next 3Y79.63%
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 for 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.
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 decline by -6366.8% in the next year.