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Healthcare - Medical - Healthcare Plans - NYSE - US
$ 16.47
-0.903 %
$ 4.19 B
Market Cap
41.18
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on Jul, 6, 2025.

The intrinsic value of one OSCR stock under the worst case scenario is HIDDEN Compared to the current market price of 16.5 USD, Oscar Health, Inc. is HIDDEN

This DCF valuation model was last updated on Jul, 6, 2025.

The intrinsic value of one OSCR stock under the base case scenario is HIDDEN Compared to the current market price of 16.5 USD, Oscar Health, Inc. is HIDDEN

This DCF valuation model was last updated on Jul, 6, 2025.

The intrinsic value of one OSCR stock under the best case scenario is HIDDEN Compared to the current market price of 16.5 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$11.015 Jan15 JanFeb '25Feb '2515 Feb15 FebMar '25Mar '2515 Mar15 MarApr '25Apr '2515 Apr15 AprMay '25May '2515 May15 MayJun '25Jun '2515 Jun15 JunJul '25Jul '25
FINANCIALS
9.18 B REVENUE
56.54%
33.4 M OPERATING INCOME
112.51%
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
27.31%
288 M OPERATING INCOME
287.53%
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 9.14 B
Operating Income 33.4 M
Other Expenses 7.3 M
Net Income 26.1 M
10b10b9b9b8b8b7b7b6b6b5b5b4b4b3b3b2b2b1b1b009b09b(9b)33m(7m)26mRevenueRevenueCost Of RevenueCost Of RevenueGross ProfitGross ProfitOperating ExpensesOperating ExpensesOperating IncomeOperating IncomeOther ExpensesOther ExpensesNet IncomeNet Income
RATIOS
100.00% GROSS MARGIN
100.00%
0.36% OPERATING MARGIN
0.36%
0.28% NET MARGIN
0.28%
2.51% ROE
2.51%
0.53% ROA
0.53%
1.57% ROIC
1.57%
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 21.43%
OSCR Average Price Target Wall Street Target
24.8 USD 50.78%
OSCR Highest Price Target Wall Street Target
28 USD 70.01%
Price
Max Price Target
Min Price Target
Average Price Target
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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
Why I'm Buying Oscar's Panic Dip Centene's $1.8B ACA risk shock triggered a ~15-20% drop in Oscar's stock but didn't alter Q1 fundamentals. Oscar posted 42% revenue growth, expanding to 2 million members with a record-low 15.8% SG&A expense ratio. Barclays' downgrade highlights policy risk, projecting over 100bps MLR pressure and aggressive EPS cuts if subsidies expire. seekingalpha.com - 1 week ago
Oscar Health: Should You Buy OSCR Stock At $17? On July 2nd, the health insurance sector underwent a notable decline following Centene (NYSE:CNC)'s retraction of its financial outlook, citing rising costs. Refer to – Centene: Is The Recent Decline In CNC Stock Justified? forbes.com - 1 week ago
Why Did Oscar Health Crash on Wednesday and Is This a Huge Buying Opportunity? In this video, I explain why Oscar Health (OSCR -18.73%) crashed 18% on Wednesday and why I will buy shares. Watch the short video to learn more, consider subscribing, and click the special offer link below. fool.com - 1 week ago
Oscar Health, Inc. (OSCR) Stock Sinks As Market Gains: Here's Why Oscar Health, Inc. (OSCR) concluded the recent trading session at $16.62, signifying a -18.73% move from its prior day's close. zacks.com - 1 week ago
10 Incredible Growth Stocks Poised for Long-Term Gains Growth stocks have been on a tumultuous ride in 2025. The confluence of geopolitical turmoil, high interest rates, the artificial intelligence (AI) superbuild, and valuation concerns has created dramatic volatility. fool.com - 1 week ago
Oscar Health, Inc. (OSCR) Declines More Than Market: Some Information for Investors Oscar Health, Inc. (OSCR) closed the most recent trading day at $20.45, moving 4.62% from the previous trading session. zacks.com - 1 week ago
Oscar Health: A Misunderstood Platform Oscar generated $328.8 million in Q1 adjusted EBITDA with a 9.8% operating margin, up 110 bps year-over-year. SG&A ratio fell to 15.8%, driven by 40% fixed-cost leverage and 15% tech-driven efficiencies like 98% auto-claims processing. A 5-year DCF with 30% FCF growth and a 5x terminal multiple supports a $61/share fair value, over 3x upside. seekingalpha.com - 2 weeks ago
2 Incredible Growth Stocks I'd Buy Right Now The stock market is in an odd place. Tech valuations, from a historical standpoint, look stretched to the breaking point. fool.com - 2 weeks ago
Oscar Health: Building The Operating System Of American Healthcare Oscar Health's tech-driven flywheel is shrinking costs, boosting retention, and driving rapid membership growth, validated by 42% revenue growth and record profitability in Q1 2025. Platform revenue from +Oscar and data licensing is compounding faster than insurance premiums, creating a high-margin, SaaS-like earnings stream that legacy insurers can't match. Favorable policy trends and employer adoption of ICHRAs funnel incremental lives to Oscar at low acquisition cost, while Oscar's consumer-centric UX and provider partnerships deepen its moat. seekingalpha.com - 3 weeks ago
Oscar Health, Inc. (OSCR) Stock Sinks As Market Gains: Here's Why In the latest trading session, Oscar Health, Inc. (OSCR) closed at $20.42, marking a -3.77% move from the previous day. zacks.com - 3 weeks ago
Still Cheap After Near 100% Gains? Oscar Health Stock Could Continue Higher Oscar Health, Inc. is undervalued despite a recent rally, with strong growth and earnings potential as a tech-driven disruptor in health insurance. The company boasts accelerating revenues, improving profitability, a robust balance sheet, and positive cash flow, supporting further upside. ACA enrollment growth, favorable ICHRA trends, and industry disruption position Oscar for continued success and margin expansion. seekingalpha.com - 3 weeks ago
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 - 3 weeks ago
8. Profile Summary

Oscar Health, Inc. OSCR

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COUNTRY US
INDUSTRY Medical - Healthcare Plans
MARKET CAP $ 4.19 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