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OSCROscar Health, Inc.
$30.65$7.9B
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
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OSCR logo

Oscar Health, Inc.

OSCR
NYSE · Health Insurers
$30.65
At close - Nov 6, 4:00 PM EST - USD
Market Cap$7.95B
P/E12.4x
52W High$38.50
Volume8.83M
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.

GrowthAccelerating
ProfitabilityStable
ValuationReview
TechnicalsMixed
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

-71% Peers

P/E is 71% below peer median

03

Market leadership

RS 93 · Leader

High momentum (Outperforming 93% of market)

04

Mixed Trend

Mixed

Price < 50DMA but > 200DMA

Next CatalystEstimated earnings · Feb 5

Market performance

Price History →

Trailing total returns as of 11/8/2026, which may include dividends or other distributions. Benchmark is S&P 500 (^GSPC).

YTD Return
OSCR+104.74%
S&P 500 (^GSPC)+7.63%
1-Year Return
OSCR+85.08%
S&P 500 (^GSPC)+9.69%
3-Year Return
OSCR+436.78%
S&P 500 (^GSPC)+49.59%
5-Year Return
OSCR+85.65%
S&P 500 (^GSPC)+44.26%
02

Test the fundamentals

Check whether operating performance supports the current valuation.

VALUATION & INTRINSIC VALUE

Valuation Scenarios

Valuation Analysis
Trailing P/E5Y Low
12.4x
Forward P/E
15.9x
EV/EBITDA0th %ile
5.8x
FCF YieldCash Flow
51.6%

Valuation vs 5-Year History

Multiple Range
Metric
Current
5Y Median
Historical Range
Percentile
P/E
12.4x
140.4x
0th· Low
EV/EBITDA
5.8x
26.2x
0th· Low
Price/FCF
1.9x
3.6x
33rd· Fair
Current Multiple
5Y Median (50th %ile)

Intrinsic Value Scenarios

DCF Projection
Bear$12.37-59.6%
Base (Fair)$17.06-44.3%
Bull$20.35-33.6%
$12.37 Bear$17.06 Base$20.35 Bull
Current Market Price: $30.65
Trades at a 79.7% premium to Base DCF ($17.06)
Open DCF & Valuation Models →Chart Terminal ↗

Growth & profitability

Annual revenue & EPS trend
Revenue FY25
$11.7B+27.5% YoY
Net income FY25
-$443M-1842.5% YoY
Free cash flow FY25
$1.06B+11.4% YoY
Operating margin FY25
-3.4%-4.0 pts YoY
ROIC (FY25)-
Avg ROIC 5Y-148.3%
ROE (TTM)49.4%
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)
Q4 2026Latest
Nov 5, 2026
$0.49+440.7%
vs -$0.14
$5.1B+9.5%
vs $4.7B
Q3 2026
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
Historical baseline: 12 quarters analyzedGAAP / Adjusted
MARKET COVERAGE

Latest News

4 Stories
Zacks Investment Research·1d ago
OSCR Q3 Earnings Call Highlights Strong Outlook and Margin Gains

Oscar Health raises its 2026 earnings outlook as improving medical costs and operating efficiencies boost margins, while expansion fuels 2027 growth ambitions.

Zacks Investment Research·2d ago
Best Growth Stocks to Buy for November 6th

MDB, INGM, and OSCR it to the Zacks Rank #1 (Strong Buy) growth stocks list on November 6, 2026.

Seeking Alpha·2d ago
Oscar Health, Inc. (OSCR) Q3 2026 Earnings Call Transcript

Oscar Health, Inc. ( OSCR ) Q3 2026 Earnings Call November 5, 2026 8:00 AM EST Company Participants Mark Bertolini - CEO & Director Richard Blackley - Chief Financial Officer Chris Potochar - Vice President of Treasury & Investor Relations Conference Call Participants Andrew Mok - Barclays Bank PLC, Research Division Jessica Tassan - Piper Sandler & Co., Research Division Parker Snure - Raymond James & Associates, Inc., Research Division Stephen Baxter - Wells Fargo Securities, LLC, Research Division Scott Fidel - Goldman Sachs Group, Inc., Research Division Jonathan Yong - UBS Investment Bank, Research Division Hua Ha - Robert W. Baird & Co. Incorporated, Research Division Joaquin Eduardo Martinez - BofA Securities, Research Division Presentation Mark Bertolini CEO & Director [Audio Gap] address consumer needs, including opportunities created by competitor exits.

24/7 Wall Street·2d ago
Hospital Stocks Soared as Democrats Took Congress

HCA posted its biggest one-day jump in four years before a single law changed. Wall Street is pricing in relief that needs Congress, a presidential signature, and a December funding fight to survive.

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
$30.65$7.95B12.4127.5%4.9%49.39%—
CLOV logoCLOVClover Health Investments, Corp.
$4.82$2.5B216.1440.34%0.45%3.52%—
ALHC logoALHCAlignment Healthcare, Inc.
$7.34$1.52B52.9246.06%0.59%12.46%—
ACGL logoACGLArch Capital Group Ltd.
$107.28$37.48B8.3714.27%23.19%18.35%0.02%
BHVN logoBHVNBiohaven Ltd.
$14.48$2.18B-4.03——-2271.87%—
MIRA logoMIRAMIRA Pharmaceuticals, Inc.
$0.57$23.97M-2.53——-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 54.8% over the trailing twelve months, compared with the twelve months before.

Is OSCR profitable?

Yes. Oscar Health, Inc. (OSCR) earned $855.5M in net income over the trailing twelve months (a 4.9% net margin).

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

Oscar Health, Inc. (OSCR) had a return on equity (ROE) of 49.4% over the trailing twelve months. That is well above the market's typical 10-15%.

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 →