Oscar Health, Inc.
$20.50
-0.44%Oscar Health, Inc. provides health insurance products and services in the United States. The company offers Individual & Family, Small Group, and Medicare Advantage plans, as well as +Oscar, a technology driven platform designed to help providers and payor clients to engage with members and patients. It also provides reinsurance products. The company was formerly known as Mulberry Health Inc. and changed its name to Oscar Health, Inc. in January 2021. Oscar Health, Inc. was incorporated in 2012 and is headquartered in New York, New York.
At a Glance
Live SnapshotIntrinsic Alpha Methodology
Thesis Lenses
Signal
Medium confidenceValuation multiple is compressed (P/E -12.1).
Valuation inputs: P/E -12.1, earnings yield N/A, momentum -0.4%.
If multiples stay elevated while momentum fades, downside repricing risk rises.
Driver
High confidenceReturn profile is soft (ROE -45.3%, ROIC -27.1%).
Profitability stack: net margin -3.8%, ROE -45.3%, ROIC -27.1%.
Quality deterioration often appears in margins before it shows up in headline EPS.
Risk
High confidenceDownside profile is elevated and scenario stress-testing is essential.
Risk factors: liabilities/assets +84.5%, momentum -0.4%, net margin -3.8%.
Higher leverage with weak momentum and thin margins can amplify drawdown severity.
Oscar Health, Inc. Market vs Earnings Trajectory
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Oscar Health, Inc. Fair Value Envelope
Oscar Health, Inc. Profit Bridge
Profitability Analysis
Gross Margin
Thin margins leave little room for error. Cost management and pricing strategy are critical.
Operating Margin
Operating losses indicate the core business is unprofitable. Requires restructuring or revenue growth.
Net Profit Margin
Net losses indicate the company is burning cash. Sustainability depends on path to profitability.
Oscar Health, Inc. Cash Conversion Engine
Cash Flow Quality Analysis
FCF Conversion Rate
Negative free cash flow despite positive earnings raises concerns about cash generation ability or heavy capital requirements.
CapEx Intensity
Asset-light business model. Low capital requirements leave more cash available for shareholders and growth investments.
FCF Growth Trend
Steady FCF growth indicates consistent cash generation improvement. On a positive trajectory.
Working Capital Impact
Working capital inflow boosted cash flow. Efficient management of receivables, inventory, and payables contributing positively.
Oscar Health, Inc. Funding & Solvency Profile
Financial Health Analysis
Current Ratio
Acceptable liquidity, but monitor closely. Current assets just barely cover current liabilities.
Debt-to-Equity Ratio
High financial leverage. Heavy reliance on debt may indicate increased financial risk and potential solvency concerns.
Working Capital
Positive working capital, but relatively tight. The company should monitor cash flow carefully.
Asset Composition
Asset-light business model with high liquidity. Majority of assets are easily convertible to cash.
Oscar Health, Inc. Street Expectations Map
Wall Street analysts project that OSCR stock may experience modest gains over the coming 12 months. The consensus 1-year price target stands at 21.00, with estimates ranging from a low of 16.00 to a high of 30.00.
The consensus 1-year price target stands at 21.00, with estimates ranging from a low of 16.00 to a high of 30.00.
Analyst Consensus Analysis
Upside Potential
Fair value territory. Stock trading near consensus target suggests limited near-term catalysts. Focus on fundamental developments.
Analyst Agreement
High uncertainty. Very wide target spread indicates significant disagreement among analysts—major valuation uncertainty or transformation underway.
Risk-Reward Profile
Favorable risk-reward. Potential upside significantly exceeds downside risk, offering asymmetric return profile attractive for risk-tolerant investors.
Analyst Conviction
High uncertainty: Wide dispersion indicates analysts struggle to agree on valuation—proceed with caution and independent analysis.
Market Sentiment Insight
Monitor and evaluate: Current analyst consensus suggests limited conviction or near-term catalysts. Stay informed on company developments and reassess positioning as new information emerges.
Oscar Health, Inc. Insider Positioning
During the last 12 months, insiders have purchased $11.92M and sold $26.01M worth of OSCR shares, resulting in $14.09M of net selling activity.
3 Months
1.0M
11.92M
201.3K
4.86M
+7.1M
+$7.06M
3-6 Months
0
0.00
448.1K
6.88M
-6.9M
-$6.88M
6-9 Months
0
0.00
848.9K
14.27M
-14.3M
-$14.27M
9-12 Months
0
0.00
0
0.00
+0
+$0
Top Buyers
Bertolini Mark T
Director, Officer: Chief Executive Officer
$11.92M
Top Sellers
Schlosser Mario
Director, Officer: President Of Technology & Cto
$19.84M
Blackley Richard Scott
Officer: Chief Financial Officer
$5.54M
Mcananey Adam
Officer: Chief Legal Officer
$281K
Liang Janet
Officer: President, Oscar Insurance
$222K
Baltrus Victoria
Officer: Chief Accounting Officer
$131K
Insider Activity Analysis
Net Insider Sentiment
Negative insider sentiment with $14.09M net selling. Selling notably exceeds buying, warranting closer scrutiny of company fundamentals.
Buy/Sell Ratio
Weak buy/sell ratio. Selling significantly exceeds buying—monitor for potential fundamental concerns.
Recent Trend (3 Months)
Very strong recent buying momentum. Recent insider purchases significantly outpace sales, suggesting near-term optimism.
Insider Participation
5 insider sellers vs. 1 buyers. Widespread selling across multiple insiders may signal concerns.
No Dividend Yield Data
OSCR has not reported any dividend yield values in the available annual periods.
oscr Dividend History
Learning Layer
Related Guides
Build conviction on OSCR by pairing this stock hub with focused valuation guides.
Research Paths
Snapshot
Start with context, operating signals, and key market metrics.
Value Model
Stress test fair value across bear, base, and bull assumptions.
Statements
Validate revenue quality, margins, and balance sheet durability.
Earnings Call
Read management commentary and compare it with reported outcomes.
Dividends
Check payout sustainability and long-term distribution behavior.
Analyst Expectations
Review consensus spread and where estimate risk is concentrated.