OSCAR HEALTH INC - CLASS A (OSCR)
US6877931096 - Common Stock
OSCR gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 141 industry peers in the Insurance industry. The financial health of OSCR is average, but there are quite some concerns on its profitability. OSCR shows excellent growth, but is valued quite expensive already.
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.
OSCR had negative earnings in each of the past 5 years.
The reported operating cash flow has been mixed in the past 5 years: OSCR reported negative operating cash flow in multiple years.
1.2 Ratios
OSCR has a Return On Assets of 0.65%. This is in the lower half of the industry: OSCR underperforms 64.29% of its industry peers.
Looking at the Return On Equity, with a value of 2.49%, OSCR is doing worse than 72.14% of the companies in the same industry.
Looking at the Return On Invested Capital, with a value of 1.15%, OSCR is in line with its industry, outperforming 44.29% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.65% | ||
| ROE | 2.49% | ||
| ROIC | 1.15% |
ROA(3y)-12.72%
ROA(5y)-15.09%
ROE(3y)-47.68%
ROE(5y)-61.63%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
The Profit Margin of OSCR (0.36%) is worse than 74.29% of its industry peers.
OSCR has a worse Operating Margin (0.73%) than 79.29% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 0.73% | ||
| PM (TTM) | 0.36% | ||
| 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
2. Health
2.1 Basic Checks
OSCR has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
The number of shares outstanding for OSCR has been increased compared to 1 year ago.
OSCR has a worse debt/assets ratio than last year.
2.2 Solvency
Based on the Altman-Z score of 1.64, we must say that OSCR is in the distress zone and has some risk of bankruptcy.
With an excellent Altman-Z score value of 1.64, OSCR belongs to the best of the industry, outperforming 87.86% of the companies in the same industry.
The Debt to FCF ratio of OSCR is 0.33, which is an excellent value as it means it would take OSCR, only 0.33 years of fcf income to pay off all of its debts.
OSCR has a Debt to FCF ratio of 0.33. This is amongst the best in the industry. OSCR outperforms 89.29% of its industry peers.
A Debt/Equity ratio of 0.26 indicates that OSCR is not too dependend on debt financing.
OSCR has a Debt to Equity ratio of 0.26. This is in the better half of the industry: OSCR outperforms 62.86% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.26 | ||
| Debt/FCF | 0.33 | ||
| Altman-Z | 1.64 |
ROIC/WACC0.13
WACC8.85%
2.3 Liquidity
OSCR has a Current Ratio of 0.16. This is a bad value and indicates that OSCR is not financially healthy enough and could expect problems in meeting its short term obligations.
Looking at the Current ratio, with a value of 0.16, OSCR is in the better half of the industry, outperforming 70.00% of the companies in the same industry.
A Quick Ratio of 0.16 indicates that OSCR may have some problems paying its short term obligations.
Looking at the Quick ratio, with a value of 0.16, OSCR is in the better half of the industry, outperforming 70.00% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.16 | ||
| Quick Ratio | 0.16 |
3. Growth
3.1 Past
OSCR shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 96.23%, which is quite impressive.
OSCR shows a strong growth in Revenue. In the last year, the Revenue has grown by 49.71%.
OSCR shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 133.12% yearly.
EPS 1Y (TTM)96.23%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%24.14%
Revenue 1Y (TTM)49.71%
Revenue growth 3Y133.12%
Revenue growth 5YN/A
Sales Q2Q%68.3%
3.2 Future
The Earnings Per Share is expected to grow by 41.77% on average over the next years. This is a very strong growth
OSCR is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 28.71% yearly.
EPS Next Y103.54%
EPS Next 2Y58.28%
EPS Next 3Y45.09%
EPS Next 5Y41.77%
Revenue Next Year54.93%
Revenue Next 2Y37.91%
Revenue Next 3Y28.88%
Revenue Next 5Y28.71%
3.3 Evolution
Although the future Revenue growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings Ratio is negative for OSCR. In the last year negative earnings were reported.
OSCR is valuated quite expensively with a Price/Forward Earnings ratio of 26.36.
OSCR's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. OSCR is more expensive than 72.14% of the companies in the same industry.
OSCR is valuated at similar levels of the S&P average when we compare the Price/Forward Earnings ratio to 24.01, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 26.36 |
4.2 Price Multiples
OSCR's Enterprise Value to EBITDA ratio is a bit more expensive when compared to the industry. OSCR is more expensive than 65.00% of the companies in the same industry.
Based on the Price/Free Cash Flow ratio, OSCR is valued a bit cheaper than 75.71% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 4.39 | ||
| EV/EBITDA | 33.78 |
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 45.09% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y58.28%
EPS Next 3Y45.09%
5. Dividend
5.1 Amount
No dividends for OSCR!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
OSCAR HEALTH INC - CLASS A
NYSE:OSCR (11/22/2024, 8:04:01 PM)
Premarket: 16.9 +0.92 (+5.76%)15.98
-0.33 (-2.02%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap3.95B
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
Max Revenue beat(4)
Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 26.36 | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.65% | ||
| ROE | 2.49% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | 0.73% | ||
| PM (TTM) | 0.36% | ||
| GM | N/A | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover1.81
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.26 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | 0.16 | ||
| Quick Ratio | 0.16 | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
High Growth Momentum
Growth
EPS 1Y (TTM)96.23%
EPS 3YN/A
EPS 5Y
EPS Q2Q%
EPS Next Y103.54%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)49.71%
Revenue growth 3Y133.12%
Revenue growth 5Y
Sales Q2Q%
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y