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OSCROscar Health, Inc.
$30.94$8.0B
Overview & Tools
OverviewChart Terminal ↗Visualize
Valuation & Forecasts
Valuation ModelsEstimatesDCF Model
Price & Analyst Data
Analyst TargetsPrice History
Financial Statements
Income StatementBalance SheetCash FlowRatios & Margins
Performance
P/E HistoryRevenue HistoryEarnings HistoryDividend HistoryTotal Return
Discovery & Screens
Live BreakoutsStock ScreenerOwnership
OSCR logo

Oscar Health, Inc.

OSCR
NYSE · Health Insurance
$30.94
At close - Oct 2, 4:00 PM EDT - USD
Market Cap$8.02B
P/E-18.3x
52W High$34.48
Volume3.9M
OverviewTerminalAnalysisFinancialsValuationEarningsBreakoutsOwnership
VCP Research Verdict2026Q2

Record Premium Growth Masks Reserve Release Reliance

Oscar Health is experiencing a dramatic growth inflection, with revenue surging 70.4% YoY to $4.9B in 2026Q2 and achieving a record combined ratio of 84.8% in 2026Q1. However, the sustainability of this profitability is questionable, as the unusually low loss ...

GrowthAccelerating
ProfitabilityStable
ValuationAttractive
TechnicalsHealthy
Explore valuation models
MARKET ACTION

OSCR price & volume

Price trend, volume and key moving averages

Launch Terminal
Loading chart...
Decision Checklist4 Core Signals

What matters now

The signals most likely to change the investment case.

01

Earnings momentum

9/12 Beats

EPS beat 9 of last 12 quarters

02

Valuation risk

-155% Peers

P/E is 155% below peer median

03

Market leadership

RS 94 · Leader

High momentum (Outperforming 94% of market)

04

Healthy Uptrend

Uptrend

Price > 50DMA > 200DMA

Next CatalystEstimated earnings · Nov 6

Market performance

Price History →

Trailing total returns as of 10/3/2026, which may include dividends or other distributions. Benchmark is S&P 500 (^GSPC).

YTD Return
OSCR+106.68%
S&P 500 (^GSPC)+12.66%
1-Year Return
OSCR+60.48%
S&P 500 (^GSPC)+15.01%
3-Year Return
OSCR+455.48%
S&P 500 (^GSPC)+89.17%
5-Year Return
OSCR+84.06%
S&P 500 (^GSPC)+94.90%
02

Test the fundamentals

Check whether operating performance supports the current valuation.

VALUATION & INTRINSIC VALUE

Valuation Scenarios

Valuation Analysis
Trailing P/E5Y Low
-18.3x
Forward P/E
16.2x
EV/EBITDA
N/A
FCF YieldCash Flow
13.2%

Valuation vs 5-Year History

Multiple Range
Metric
Current
5Y Median
Historical Range
Percentile
P/E
-18.3x
140.4x
0th· Low
EV/EBITDA
N/A
26.2x
N/A
Price/FCF
7.6x
3.6x
100th· High
Current Multiple
5Y Median (50th %ile)

Intrinsic Value Scenarios

DCF Projection
Bear$12.53-59.5%
Base (Fair)$15.93-48.5%
Bull$16.85-45.5%
$12.53 Bear$15.93 Base$16.85 Bull
Current Market Price: $30.94
Trades at a 94.2% premium to Base DCF ($15.93)
Open DCF & Valuation Models →Chart Terminal ↗

Growth & profitability

Annual revenue & EPS trend
Revenue
$11.7B+27.5% YoY
Net income
-$443M-1842.5% YoY
Free cash flow
$1.06B+11.4% YoY
Operating margin
-3.4%-4.0 pts YoY
ROIC (TTM)-
Avg ROIC 5Y-
ROE (TTM)-44.4%
Piotroski Score4 / 9
Financial Statements →
03

Monitor what changed

Recent results and news deserve attention only when they alter the forward view.

OPERATING RESULTS

Recent Earnings

Earnings History
EPS Beat Rate9/12 (75%)
Revenue Beat Rate6/12 (50%)
QuarterEPS (Act vs Est)Revenue (Act vs Est)
Q3 2026Latest
Aug 6, 2026
$1.10+173.0%
vs $0.40
$4.8B+1.3%
vs $4.7B
Q2 2026
May 6, 2026
$2.07+71.1%
vs $1.21
$4.6B-6.4%
vs $4.9B
Q1 2026
Feb 10, 2026
-$1.24-34.6%
vs -$0.92
$2.7B-12.1%
vs $3.1B
Q4 2025
Nov 6, 2025
-$0.53+3.6%
vs -$0.55
$3.0B-2.2%
vs $3.1B
Historical baseline: 12 quarters analyzedGAAP / Adjusted
MARKET COVERAGE

Latest News

5 Stories
Zacks Investment Research·1d ago
Oscar Health, Inc. (OSCR) Stock Dips While Market Gains: Key Facts

Oscar Health, Inc. (OSCR) reached $29.9 at the closing of the latest trading day, reflecting a -3.05% change compared to its last close.

MarketBeat·4d ago
3 Healthcare Stocks Showing Why the Sector Still Has Momentum

The healthcare sector has performed fairly well so far in 2026 due to several factors: GLP-1 medications continue to drive new business and interest, while groundbreaking AI applications help enhance and accelerate the drug discovery process. On top of that, potential mergers and acquisitions activity, as big pharmaceutical companies face a major patent cliff, could provide opportunities for new firms to stand out.

Seeking Alpha·6d ago
Oscar Health: Market Share Gains Are Only Part Of The Plan

Oscar Health is rated a buy, targeting a $45-$49 fair value, driven by scalable growth and margin expansion in the ACA market. OSCR grew membership 60% while the overall ACA market contracted 13%, achieving a 30% market share and improving the medical loss ratio to 81.5%. Management guides for 2029 revenue CAGR above 20%, a 5-7% operating margin, and $4+ EPS, with the Lucie marketplace as a key incremental driver.

Zacks Investment Research·Sep 25, 2026
Best Growth Stocks to Buy for September 25th

WOOF, FIVE and OSCR made it to the Zacks Rank #1 (Strong Buy) growth stocks list on September 25th, 2026.

Filtered for Oscar Health, Inc.More Headlines
04

Compare before deciding

Benchmark OSCR against direct peers instead of judging its metrics in isolation.

Peers Comparison

Key metrics vs top competitors for Oscar Health, Inc. (OSCR)

Full Screener →
CompanyPriceMarket CapP/E RatioRev Growth (1Y)Net MarginROEDiv Yield
OSCR logoOSCROscar Health, Inc.Current
$30.94$8.02B-18.3127.5%-3.79%-44.38%—
CLOV logoCLOVClover Health Investments, Corp.
$4.38$2.27B-25.7640.34%-0.74%-5.38%—
ALHC logoALHCAlignment Healthcare, Inc.
$7.94$1.64B-2145.9546.06%0.89%20.02%—
ACGL logoACGLArch Capital Group Ltd.
$93.60$32.7B8.0614.27%24.44%19.52%—
BHVN logoBHVNBiohaven Ltd.
$12.87$1.94B-1.88——-1328.94%—
MIRA logoMIRAMIRA Pharmaceuticals, Inc.
$0.73$30.68M-0.54——-106.96%—

Compare OSCR vs Peers

Oscar Health, Inc. (OSCR) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs CLOV

Most directly comparable listed peer for OSCR.

Scale Benchmark

vs UNH

Larger-name benchmark to compare OSCR against a more recognizable public peer.

Peer Set

Compare Top 5

vs CLOV, ALHC, ACGL, BHVN

05

Keep researching

Verify the primary filings, follow material updates, and answer the remaining questions.

OSCR SEC Filings & Documents

Oscar Health, Inc. (OSCR) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

Aug 6, 2026·SEC

Material company update

Jun 9, 2026·SEC

Material company update

Jun 8, 2026·SEC

10-K Annual Reports

3
FY 2026

Feb 13, 2026·SEC

FY 2025

Feb 20, 2025·SEC

FY 2024

Feb 15, 2024·SEC

10-Q Quarterly Reports

6
FY 2026

Aug 7, 2026·SEC

FY 2026

May 7, 2026·SEC

FY 2025

Nov 6, 2025·SEC

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OSCR Frequently Asked Questions

Oscar Health, Inc. (OSCR) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials
How fast is Oscar Health, Inc. growing?

Oscar Health, Inc. (OSCR) grew revenue by 27.5% over the past year. This is strong growth.

Is OSCR profitable?

Yes, Oscar Health, Inc. (OSCR) is profitable, generating $550.7M in net income for fiscal year 2025 (-3.8% net margin).

Dividend & Returns
What is OSCR's return on equity?

Oscar Health, Inc. (OSCR) has a return on equity (ROE) of -44.4%. Negative ROE indicates the company is unprofitable.

Industry Metrics
What is Oscar Health, Inc.'s combined ratio?

Oscar Health, Inc. (OSCR) has a combined ratio of 103.4%. A ratio above 100% means claims and expenses exceed premiums.

What if you invested $1,000 in OSCR back in 2019?

Total return calculator · dividends reinvested · 7+ years of data

See returns →