OSCAR HEALTH INC - CLASS A (OSCR) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:OSCR - US6877931096 - Common Stock
17.73 USD
+0.83 (+4.91%)
17.75 USD
+0.02 (+0.11%)
OSCR gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 148 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. 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.
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.
1.2 Ratios
Looking at the Return On Assets, with a value of -4.25%, OSCR is doing worse than 86.49% of the companies in the same industry.
OSCR has a Return On Equity of -23.83%. This is amonst the worse of the industry: OSCR underperforms 87.16% 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.
OSCR has a better debt/assets ratio than last year.
2.2 Solvency
OSCR has an Altman-Z score of 1.60. This is a bad value and indicates that OSCR is not financially healthy and even has some risk of bankruptcy.
OSCR has a better Altman-Z score (1.60) than 85.14% 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.
Looking at the Debt to FCF ratio, with a value of 0.93, OSCR is in the better half of the industry, outperforming 71.62% of the companies in the same industry.
A Debt/Equity ratio of 0.67 indicates that 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 80.41% 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 | 1.6 |
ROIC/WACCN/A
WACC8.82%
2.3 Liquidity
OSCR has a Current Ratio of 0.17. This is a bad value and indicates that OSCR is not financially healthy enough and could expect problems in meeting its short term obligations.
The Current ratio of OSCR (0.17) is better than 66.89% of its industry peers.
A Quick Ratio of 0.17 indicates that OSCR may have some problems paying its short term obligations.
The Quick ratio of OSCR (0.17) is better than 66.89% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.17 | ||
| Quick Ratio | 0.17 |
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 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
OSCR is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 174.87% yearly.
OSCR is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 13.46% yearly.
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
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.
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 67.57% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 6.38 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
A more expensive valuation may be justified as OSCR's earnings are expected to grow with 272.85% in the coming years.
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% |
17.73
+0.83 (+4.91%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners66.41%
Inst Owner Change0%
Ins Owners3.64%
Ins Owner Change-2.29%
Market Cap4.69B
Revenue(TTM)11.29B
Net Income(TTM)-244.09M
Analysts51.25
Price Target15.38 (-13.25%)
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)9.16%
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 | 0.42 | ||
| P/FCF | 6.38 | ||
| P/OCF | 6.1 | ||
| P/B | 4.58 | ||
| P/tB | 4.58 | ||
| EV/EBITDA | N/A |
EPS(TTM)-1.12
EYN/A
EPS(NY)-0.1
Fwd EYN/A
FCF(TTM)2.78
FCFY15.68%
OCF(TTM)2.91
OCFY16.4%
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 | 1.6 |
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.