OSCAR HEALTH INC - CLASS A(NYSE:OSCR) stock Fundamental Analysis

Fundamental Rating

We assign a fundamental rating of 4 out of 10 to OSCR. OSCR was compared to 143 industry peers in the Insurance industry. OSCR scores quite bad on profitability, while its financial health is fine. Not spectacular, but in line with the averages. OSCR has a correct valuation and a medium growth rate.

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1. Profitability

1.1 Basic Checks

OSCR had negative earnings in the past year.

OSCR had a positive operating cash flow in the past year.

In the past 5 years OSCR reported 4 times negative net income.

In multiple years OSCR reported negative operating cash flow during the last 5 years.

1.2 Ratios

OSCR has a worse Return On Assets (0.53%) than 72.03% of its industry peers.

OSCR has a Return On Equity of 2.51%. This is amonst the worse of the industry: OSCR underperforms 81.12% of its industry peers.

OSCR has a Return On Invested Capital (1.02%) which is in line with its industry peers.

		Industry Rank	Sector Rank
ROA	0.53%
ROE	2.51%
ROIC	1.02%

ROA(3y)-6.8%

ROA(5y)-11.11%

ROE(3y)-33.09%

ROE(5y)-46.23%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

Looking at the Profit Margin, with a value of 0.28%, OSCR is doing worse than 81.82% of the companies in the same industry.

OSCR has a Operating Margin of 0.63%. This is amonst the worse of the industry: OSCR underperforms 82.52% of its industry peers.

		Industry Rank	Sector Rank
OM	0.63%
PM (TTM)	0.28%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3YN/A

PM growth 5YN/A

GM growth 3YN/A

GM growth 5YN/A

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), OSCR is destroying value.

The number of shares outstanding for OSCR has been increased compared to 1 year ago.

OSCR has more shares outstanding than it did 5 years ago.

Compared to 1 year ago, OSCR has an improved debt to assets ratio.

2.2 Solvency

Based on the Altman-Z score of 1.48, we must say that OSCR is in the distress zone and has some risk of bankruptcy.

OSCR has a better Altman-Z score (1.48) than 84.62% of its industry peers.

The Debt to FCF ratio of OSCR is 0.32, which is an excellent value as it means it would take OSCR, only 0.32 years of fcf income to pay off all of its debts.

Looking at the Debt to FCF ratio, with a value of 0.32, OSCR belongs to the top of the industry, outperforming 88.81% of the companies in the same industry.

OSCR has a Debt/Equity ratio of 0.30. This is a healthy value indicating a solid balance between debt and equity.

The Debt to Equity ratio of OSCR (0.30) is comparable to the rest of the industry.

		Industry Rank	Sector Rank
Debt/Equity	0.3
Debt/FCF	0.32
Altman-Z	1.48

ROIC/WACC0.11

WACC8.92%

2.3 Liquidity

A Current Ratio of 0.15 indicates that OSCR may have some problems paying its short term obligations.

The Current ratio of OSCR (0.15) is better than 66.43% of its industry peers.

OSCR has a Quick Ratio of 0.15. This is a bad value and indicates that OSCR is not financially healthy enough and could expect problems in meeting its short term obligations.

With a decent Quick ratio value of 0.15, OSCR is doing good in the industry, outperforming 66.43% of the companies in the same industry.

		Industry Rank	Sector Rank
Current Ratio	0.15
Quick Ratio	0.15

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

OSCR shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 98.33%, which is quite impressive.

OSCR shows a strong growth in Revenue. In the last year, the Revenue has grown by 54.95%.

OSCR shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 79.82% yearly.

EPS 1Y (TTM)98.33%

EPS 3YN/A

EPS 5YN/A

EPS Q2Q%6.06%

Revenue 1Y (TTM)54.95%

Revenue growth 3Y70.9%

Revenue growth 5Y79.82%

Sales Q2Q%67.11%

3.2 Future

The Earnings Per Share is expected to grow by 352.98% on average over the next years. This is a very strong growth

The Revenue is expected to grow by 13.37% on average over the next years. This is quite good.

EPS Next Y3810.25%

EPS Next 2Y629.32%

EPS Next 3Y352.98%

EPS Next 5YN/A

Revenue Next Year20.69%

Revenue Next 2Y10.16%

Revenue Next 3Y13.37%

Revenue Next 5YN/A

3.3 Evolution

The estimated forward Revenue growth is still strong, although it is decreasing when compared to the stronger growth in the past years.

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4. Valuation

4.1 Price/Earnings Ratio

OSCR reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.

OSCR is valuated rather expensively with a Price/Forward Earnings ratio of 17.01.

Based on the Price/Forward Earnings ratio, OSCR is valued a bit more expensive than the industry average as 63.64% of the companies are valued more cheaply.

When comparing the Price/Forward Earnings ratio of OSCR to the average of the S&P500 Index (21.38), we can say OSCR is valued slightly cheaper.

		Industry Rank	Sector Rank
PE	N/A
Fwd PE	17.01

4.2 Price Multiples

Based on the Enterprise Value to EBITDA ratio, OSCR is valued a bit more expensive than 63.64% of the companies in the same industry.

Based on the Price/Free Cash Flow ratio, OSCR is valued a bit cheaper than 78.32% of the companies in the same industry.

		Industry Rank	Sector Rank
P/FCF	3.33
EV/EBITDA	20.54

4.3 Compensation for Growth

OSCR's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.

A more expensive valuation may be justified as OSCR's earnings are expected to grow with 352.98% in the coming years.

PEG (NY)N/A

PEG (5Y)N/A

EPS Next 2Y629.32%

EPS Next 3Y352.98%

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5. Dividend

5.1 Amount

No dividends for OSCR!.

		Industry Rank	Sector Rank
Dividend Yield	N/A

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OSCAR HEALTH INC - CLASS A

NYSE:OSCR (4/28/2025, 7:00:00 PM)

After market: 12.5005 -0.12 (-0.95%)

12.62

+0.39 (+3.19%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupInsurance

GICS IndustryInsurance

Earnings (Last)02-04 2025-02-04/amc

Earnings (Next)05-07 2025-05-07/amc

Inst Owners87.89%

Inst Owner Change-0.44%

Ins Owners2.66%

Ins Owner Change24.15%

Market Cap3.16B

Analysts72

Price Target18.64 (47.7%)

Short Float %9.91%

Short Ratio3.99

Dividend

		Industry Rank	Sector Rank
Dividend Yield	N/A

Yearly DividendN/A

Dividend Growth(5Y)N/A

DPN/A

Div Incr Years0

Div Non Decr Years0

Ex-DateN/A

Surprises & Revisions

EPS beat(2)0

Avg EPS beat(2)-14.42%

Min EPS beat(2)-25.82%

Max EPS beat(2)-3.02%

EPS beat(4)2

Avg EPS beat(4)28.98%

Min EPS beat(4)-25.82%

Max EPS beat(4)123.47%

EPS beat(8)5

Avg EPS beat(8)-1.42%

EPS beat(12)6

Avg EPS beat(12)-8.02%

EPS beat(16)8

Avg EPS beat(16)-12.4%

Revenue beat(2)1

Avg Revenue beat(2)-1.82%

Min Revenue beat(2)-5.21%

Max Revenue beat(2)1.57%

Revenue beat(4)3

Avg Revenue beat(4)0.45%

Min Revenue beat(4)-5.21%

Max Revenue beat(4)4.45%

Revenue beat(8)5

Avg Revenue beat(8)3.67%

Revenue beat(12)7

Avg Revenue beat(12)4%

Revenue beat(16)11

Avg Revenue beat(16)17.55%

PT rev (1m)-2.37%

PT rev (3m)-6.57%

EPS NQ rev (1m)-3.16%

EPS NQ rev (3m)15.98%

EPS NY rev (1m)-2.07%

EPS NY rev (3m)-3.26%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)1.25%

Revenue NY rev (1m)0.42%

Revenue NY rev (3m)-3.25%

Valuation

		Industry Rank	Sector Rank
PE	N/A
Fwd PE	17.01
P/S	0.35
P/FCF	3.33
P/OCF	3.23
P/B	3.12
P/tB	3.12
EV/EBITDA	20.54

EPS(TTM)-0.02

EYN/A

EPS(NY)0.74

Fwd EY5.88%

FCF(TTM)3.79

FCFY30.05%

OCF(TTM)3.9

OCFY30.93%

SpS36.26

BVpS4.05

TBVpS4.05

PEG (NY)N/A

PEG (5Y)N/A

Profitability

		Industry Rank	Sector Rank
ROA	0.53%
ROE	2.51%
ROCE	1.3%
ROIC	1.02%
ROICexc	1.55%
ROICexgc	1.8%
OM	0.63%
PM (TTM)	0.28%
GM	N/A
FCFM	10.46%

ROA(3y)-6.8%

ROA(5y)-11.11%

ROE(3y)-33.09%

ROE(5y)-46.23%

ROIC(3y)N/A

ROIC(5y)N/A

ROICexc(3y)N/A

ROICexc(5y)N/A

ROICexgc(3y)N/A

ROICexgc(5y)N/A

ROCE(3y)N/A

ROCE(5y)N/A

ROICexcg growth 3YN/A

ROICexcg growth 5YN/A

ROICexc growth 3YN/A

ROICexc growth 5YN/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3YN/A

PM growth 5YN/A

GM growth 3YN/A

GM growth 5YN/A

F-Score7

Asset Turnover1.88

Health

		Industry Rank	Sector Rank
Debt/Equity	0.3
Debt/FCF	0.32
Debt/EBITDA	3.35
Cap/Depr	86.78%
Cap/Sales	0.31%
Interest Coverage	1.7
Cash Conversion	1094.05%
Profit Quality	3736.62%
Current Ratio	0.15
Quick Ratio	0.15
Altman-Z	1.48

F-Score7

WACC8.92%

ROIC/WACC0.11

Cap/Depr(3y)119.89%

Cap/Depr(5y)132.19%

Cap/Sales(3y)0.49%

Cap/Sales(5y)1.18%

Profit Quality(3y)N/A

Profit Quality(5y)N/A

High Growth Momentum

Growth

EPS 1Y (TTM)98.33%

EPS 3YN/A

EPS 5YN/A

EPS Q2Q%6.06%

EPS Next Y3810.25%

EPS Next 2Y629.32%

EPS Next 3Y352.98%

EPS Next 5YN/A

Revenue 1Y (TTM)54.95%

Revenue growth 3Y70.9%

Revenue growth 5Y79.82%

Sales Q2Q%67.11%

Revenue Next Year20.69%

Revenue Next 2Y10.16%

Revenue Next 3Y13.37%

Revenue Next 5YN/A

EBIT growth 1Y124.31%

EBIT growth 3YN/A

EBIT growth 5YN/A

EBIT Next Year397.38%

EBIT Next 3Y114.16%

EBIT Next 5YN/A

FCF growth 1Y419.17%

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1Y459.42%

OCF growth 3YN/A

OCF growth 5YN/A

OSCAR HEALTH INC - CLASS A (OSCR) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

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5. Dividend

5.1 Amount

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