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Healthcare - Medical - Healthcare Plans - NYSE - US
$ 21.22
13.1 %
$ 4.65 B
Market Cap
53.05
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on Jun, 21, 2025.

The intrinsic value of one OSCR stock under the worst case scenario is HIDDEN Compared to the current market price of 21.2 USD, Oscar Health, Inc. is HIDDEN

This DCF valuation model was last updated on Jun, 21, 2025.

The intrinsic value of one OSCR stock under the base case scenario is HIDDEN Compared to the current market price of 21.2 USD, Oscar Health, Inc. is HIDDEN

This DCF valuation model was last updated on Jun, 21, 2025.

The intrinsic value of one OSCR stock under the best case scenario is HIDDEN Compared to the current market price of 21.2 USD, Oscar Health, Inc. is HIDDEN

2. FUNDAMENTAL ANALYSIS

Price Chart OSCR

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$22.0$22.0$21.0$21.0$20.0$20.0$19.0$19.0$18.0$18.0$17.0$17.0$16.0$16.0$15.0$15.0$14.0$14.0$13.0$13.0$12.0$12.0$11.0$11.0Jan '25Jan '2515 Jan15 JanFeb '25Feb '2515 Feb15 FebMar '25Mar '2515 Mar15 MarApr '25Apr '2515 Apr15 AprMay '25May '2515 May15 MayJun '25Jun '2515 Jun15 Jun
FINANCIALS
9.18 B REVENUE
56.54%
57.3 M OPERATING INCOME
124.30%
26.1 M NET INCOME
109.65%
978 M OPERATING CASH FLOW
459.42%
-1.39 B INVESTING CASH FLOW
-240.38%
68.4 M FINANCING CASH FLOW
960.94%
3.05 B REVENUE
27.33%
288 M OPERATING INCOME
295.09%
276 M NET INCOME
279.43%
879 M OPERATING CASH FLOW
153.31%
-174 M INVESTING CASH FLOW
-454.02%
4.87 M FINANCING CASH FLOW
27.67%
Balance Sheet Oscar Health, Inc.
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Current Assets 2.85 B
Cash & Short-Term Investments 2.15 B
Receivables 316 M
Other Current Assets 378 M
Non-Current Assets 2 B
Long-Term Investments 1.82 B
PP&E 66.8 M
Other Non-Current Assets 113 M
44.45 %6.53 %7.80 %37.50 %Total Assets$4.8b
Current Liabilities 3.17 B
Accounts Payable 1.4 B
Short-Term Debt 0
Other Current Liabilities 1.77 B
Non-Current Liabilities 361 M
Long-Term Debt 300 M
Other Non-Current Liabilities 61.3 M
39.58 %50.21 %8.48 %Total Liabilities$3.5b
EFFICIENCY
Earnings Waterfall Oscar Health, Inc.
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Revenue 9.18 B
Cost Of Revenue 0
Gross Profit 9.18 B
Operating Expenses 9.12 B
Operating Income 57.3 M
Other Expenses 31.1 M
Net Income 26.1 M
10b10b9b9b8b8b7b7b6b6b5b5b4b4b3b3b2b2b1b1b009b09b(9b)57m(31m)26mRevenueRevenueCost Of RevenueCost Of RevenueGross ProfitGross ProfitOperating ExpensesOperating ExpensesOperating IncomeOperating IncomeOther ExpensesOther ExpensesNet IncomeNet Income
RATIOS
100.00% GROSS MARGIN
100.00%
0.62% OPERATING MARGIN
0.62%
0.28% NET MARGIN
0.28%
2.51% ROE
2.51%
0.53% ROA
0.53%
2.68% ROIC
2.68%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis Oscar Health, Inc.
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1b1b800m800m600m600m400m400m200m200m00(200m)(200m)(400m)(400m)202020202021202120222022202320232024202420252025
Net Income 26.1 M
Depreciation & Amortization 32.1 M
Capital Expenditures -27.9 M
Stock-Based Compensation 110 M
Change in Working Capital 839 M
Others 660 M
Free Cash Flow 950 M
3. WALL STREET ANALYSTS ESTIMATES
Wall Street Analysts Price Targets Oscar Health, Inc.
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Wall Street analysts predict an average 1-year price target for OSCR of $24.8 , with forecasts ranging from a low of $20 to a high of $28 .
OSCR Lowest Price Target Wall Street Target
20 USD -5.75%
OSCR Average Price Target Wall Street Target
24.8 USD 17.03%
OSCR Highest Price Target Wall Street Target
28 USD 31.95%
Price
Max Price Target
Min Price Target
Average Price Target
2828262624242222202018181616141412121010Aug '24Aug '24Oct '24Oct '24Nov '24Nov '2420252025Feb '25Feb '25Apr '25Apr '25Jun '25Jun '25Jul '25Jul '25Aug '25Aug '25Oct '25Oct '25Nov '25Nov '2520262026Feb '26Feb '26Apr '26Apr '26Jun '26Jun '26
4. DIVIDEND ANALYSIS
5. COMPETITION
slide 2 of 9
6. Ownership
Insider Ownership Oscar Health, Inc.
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Sold
0-3 MONTHS
411 K USD 1
3-6 MONTHS
0 USD 0
6-9 MONTHS
3.09 M USD 7
9-12 MONTHS
7.61 M USD 6
Bought
0 USD 0
0-3 MONTHS
0 USD 0
3-6 MONTHS
46.1 M USD 2
6-9 MONTHS
0 USD 0
9-12 MONTHS
7. News
Is Oscar Health Stock Still a Buy? Wall Street thinks health insurance is boring. That's exactly why Oscar Health (OSCR 16.70%) could be your best contrarian play in 2025. fool.com - 1 week ago
1 Undervalued Growth Stock That Could Go Parabolic Soon In this video, I will cover Oscar Health (OSCR 16.70%) and why I find this a compelling investment opportunity. Watch the short video to learn more, consider subscribing, and click the special offer link below. fool.com - 1 week ago
Oscar Health: I'm Bullish, But I'm Careful Oscar Health is uniquely undervalued, combining 42% revenue growth with profitability and a low EV/Sales multiple, making it a standout in the market. The company's $2.23B cash position versus its $4.8B market cap highlights significant balance sheet strength and downside protection. ICHRA market expansion offers massive upside potential, but regulatory risks and limited pricing power cap long-term sustainability. seekingalpha.com - 1 week ago
Oscar Health (OSCR) Soars 7.8%: Is Further Upside Left in the Stock? Oscar Health (OSCR) witnessed a jump in share price last session on above-average trading volume. The latest trend in earnings estimate revisions for the stock doesn't suggest further strength down the road. zacks.com - 1 week ago
Move Over Hims & Hers Health: This Insurance Business Could Be the Next Monster Healthcare Stock (Hint: It's Not UnitedHealth) When it comes to healthcare stocks, many investors pay attention to the usual suspects: Eli Lilly, Novo Nordisk, CVS Health, or Johnson & Johnson. These companies have built up enormous brand equity thanks to blockbuster drugs and widely recognized pharmacy management services. fool.com - 1 week ago
Oscar Health Could Be The Next Growth Monster With Tremendous Upside Oscar Health is leveraging technology and AI to disrupt the health insurance industry, driving strong membership growth and improving operational efficiency. Financials are rapidly improving: premium revenue growth outpaces claims, margins are expanding, and the company has turned profitable with a strong balance sheet. Analysts project massive EPS growth through 2027, making OSCR undervalued compared to peers and offering significant upside for risk-tolerant investors. seekingalpha.com - 1 week ago
Oscar Health, Inc. (OSCR) Laps the Stock Market: Here's Why Oscar Health, Inc. (OSCR) reached $14.34 at the closing of the latest trading day, reflecting a +1.34% change compared to its last close. zacks.com - 2 weeks ago
Should Investors Buy Oscar Health Stock Right Now? Healthcare stocks have been under pressure in the U.S. due to increasing regulatory headwinds and rising costs. fool.com - 1 month ago
Oscar Health: Steep Budget Cuts In 2026 Healthcare Estimates Spell Uncertainty I rate Oscar Health as a Hold, due to proposed steep budget cuts in the 2026 budget, impacting Medicaid and Medicare Advantage coverage. Oscar Health's impressive financials and revenue growth are overshadowed by macroeconomic risks, including potential policy changes and increased uninsured rates. Despite strong internal operations and a projected revenue CAGR of ~20% between 2024 and 2027, external factors pose significant risks to growth. seekingalpha.com - 1 month ago
Oscar Health: The Healthcare Disruptor Just Hit Its Stride Oscar Health, Inc. delivered strong Q1 results with 42% revenue growth, improved cost control, and expanding membership, signaling sustainable profitability and margin expansion. The company stands to benefit from competitor exits in ACA exchanges and potential policy changes lowering prescription drug costs, enhancing long-term operating leverage. Despite a high current P/E, forward multiples and consensus EPS growth suggest Oscar is undervalued with >41% upside potential in the next 12-18 months. seekingalpha.com - 1 month ago
How AI helped Oscar Health cut costs and grow Oscar Health (OSCR) stock has been rising since the company reported first quarter earnings results that beat estimates on both the top and bottom lines. Oscar Health also reaffirmed its full-year guidance for all metrics. youtube.com - 1 month ago
Oscar Health, Inc. (OSCR) Q1 2025 Earnings Call Transcript Oscar Health, Inc. (NYSE:OSCR ) Q1 2025 Earnings Conference Call May 7, 2025 8:00 AM ET Company Participants Chris Potochar - Vice President of Treasury and Investor Relations Mark Bertolini - Chief Executive Officer Scott Blackley - Chief Financial Officer Conference Call Participants John Ransom - Raymond James Stephen Baxter - Wells Fargo Jonathan Yong - UBS Joanna Gajuk - Bank of America Josh Raskin - Nephron Research Jessica Tassan - Piper Sandler Michael Ha - Baird David Windley - Jefferies Operator Good morning, everyone. My name is Ellie, and I will be your conference operator for today. seekingalpha.com - 1 month ago
8. Profile Summary

Oscar Health, Inc. OSCR

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COUNTRY US
INDUSTRY Medical - Healthcare Plans
MARKET CAP $ 4.65 B
Dividend Yield 0.00%
Description 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.
Contact 75 Varick Street, New York City, NY, 10013 https://www.hioscar.com
IPO Date March 3, 2021
Employees 2400
Officers Mr. Adam McAnaney EVice President & Chief Legal Officer Mr. Richard Scott Blackley CPA Chief Financial Officer Mr. Joel I. Klein J.D. Senior Advisor Ms. Ranmali Bopitiya Executive Vice President of Public Affairs Ms. Victoria Baltrus Chief Accounting Officer Chris Potochar Vice President of Treasury & Investor Relations Mr. Mark Thomas Bertolini Chief Executive Officer & Director Mr. Joshua Kushner Co-Founder & Vice Chairman Ms. Rebecca Krouse Chief People Officer Mr. Mario Tobias Schlosser Co-Founder, Chief Technology Officer & Director