OSCR$13.64
$13.6494
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Powered by LiveAIOverall Analysis
BuyOscar Health shows potential due to its forward-looking strategy and positive EPS surprises in recent quarters. However, current valuation metrics and recent performance trends warrant a cautious approach, suggesting it's more of a 'Buy' than a 'Strong Buy' at this juncture.
Thematic
Oscar Health operates within the evolving healthcare and health insurance sector, which is influenced by demographic shifts, technological advancements in healthcare delivery, and regulatory changes. Its focus on technology-driven solutions positions it to potentially benefit from the digitization of healthcare.
Fundamental
Oscar Health has demonstrated improving profitability, with positive EPS surprises in recent quarters. Revenue growth has been significant, although the company has historically struggled with net losses. The balance sheet shows increasing assets and liabilities, with substantial cash reserves.
Technical
The stock price has experienced significant volatility, as indicated by the recent price drop (-10.52%). While some short-term indicators suggest potential buying opportunities, longer-term moving averages and oscillators point towards a generally bearish or neutral trend.
| Factor | Score |
|---|---|
| Healthcare Technology Adoption | 80 |
| Market Growth (Health Insurance) | 70 |
| Regulatory Environment (Healthcare) | 60 |
| Innovation in Health Plans | 75 |
| Competitive Landscape | 70 |
| Factor | Score |
|---|---|
| Valuation | 50 |
| Profitability | 65 |
| Growth | 85 |
| Balance Sheet Health | 60 |
| Cash Flow | 75 |
| Earnings Performance | 70 |
| Factor | Score |
|---|---|
| Trend Analysis | 40 |
| Momentum | 50 |
| Volume Analysis | 65 |
| Support & Resistance | 70 |
| Short-term Indicators | 70 |
AI Investing Checklist
Powered by LiveAIBullish Points (6)
Positive EPS Surprises
The company has exceeded earnings per share (EPS) estimates in 4 out of the last 6 reported quarters, with notable positive surprises in Q2 2024 (+127.94%) and Q3 2023 (+69.57%). This indicates an ability to outperform market expectations.
Improving P/E Ratio Trend
While the trailing P/E ratio is 35.5, the forward P/E ratios are significantly lower (e.g., 10.4 for Q1 2025), suggesting an expectation of future earnings growth that may make the stock more attractive on a forward-looking basis.
Bearish Points (8)
High P/E Ratio
The trailing Price-to-Earnings (P/E) ratio of 35.5 is high, especially considering the company's recent profitability fluctuations and a negative net income in 2023. This suggests the stock might be overvalued relative to its current earnings power.
Slowing Quarterly Revenue Growth
While annual revenue is growing, the quarterly revenue figures show a mixed trend. Revenue for Q4 2024 was $2.39 billion, a decrease from Q3 2024's $2.42 billion, indicating potential deceleration in sequential growth.
Calendar
August 2025
6
Next Earnings Date
H: $0.47
A: $-0.20
L: $-0.87
H: 3.08B
A: 2.96B
L: 2.83B
Profile
Oscar Health, Inc. operates as a healthcare technology company in the United States. The company offers health plans to individuals, families, employees, and small group markets. It also provides +Oscar platform that power others throughout the healthcare system; Campaign Builder platform, an engagement and recommendation platform for providers and payors; and 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.
Seasonals
Price Target
14.12 USD
The 39 analysts offering 1 year price forecasts for OSCR have a max estimate of 28.00 and a min estimate of 8.00.
Debt Level and Coverage
Financial Position Analysis
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Capital Structure
Valuation - Summary
Valuation - Ratios
Revenue to Profit Conversion
Balance Sheet
Income Statement
Cash Flow
Related Companies
Powered by LiveAIWeight: 98
As the largest diversified healthcare company, UnitedHealth is a direct competitor to Oscar Health across various health insurance and healthcare service segments, leveraging extensive data and technology.
Weight: 95
Formerly Anthem, Elevance Health is a leading health benefits company and a direct competitor to Oscar Health in numerous individual, group, and government health insurance markets.
Weight: 92
Through its ownership of Aetna, a major health insurer, and CVS Caremark (a Pharmacy Benefit Manager), CVS Health competes directly and indirectly with Oscar Health in integrated healthcare services and insurance.
Weight: 90
Humana specializes in Medicare Advantage and Medicaid plans, positioning it as a direct competitor to Oscar Health, particularly in the growing senior and government-sponsored markets.