OSCAR HEALTH INC - CLASS A (OSCR) Stock Fundamental Analysis
NYSE:OSCR - New York Stock Exchange, Inc. - US6877931096 - Common Stock - Currency: USD
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.
1. Profitability
1.1 Basic Checks
In the past year OSCR has reported negative net income.
OSCR had a positive operating cash flow in the past year.
OSCR had negative earnings in 4 of the past 5 years.
In multiple years OSCR reported negative operating cash flow during the last 5 years.
1.2 Ratios
The Return On Assets of OSCR (0.53%) is worse than 73.05% of its industry peers.
OSCR has a Return On Equity of 2.51%. This is in the lower half of the industry: OSCR underperforms 73.76% 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 75.89% of the companies in the same industry.
OSCR's Operating Margin of 0.63% is on the low side compared to the rest of the industry. OSCR is outperformed by 81.56% 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
2. Health
2.1 Basic Checks
The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so OSCR is destroying value.
OSCR has more shares outstanding than it did 1 year ago.
The number of shares outstanding for OSCR has been increased compared to 5 years ago.
Compared to 1 year ago, OSCR has an improved debt to assets ratio.
2.2 Solvency
OSCR has an Altman-Z score of 1.63. This is a bad value and indicates that OSCR is not financially healthy and even has some risk of bankruptcy.
The Altman-Z score of OSCR (1.63) is better than 84.40% 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.
OSCR has a Debt to FCF ratio of 0.32. This is amongst the best in the industry. OSCR outperforms 89.36% of its industry peers.
A Debt/Equity ratio of 0.30 indicates that OSCR is not too dependend on debt financing.
OSCR has a Debt to Equity ratio of 0.30. This is comparable to the rest of the industry: OSCR outperforms 57.45% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.3 | ||
| Debt/FCF | 0.32 | ||
| Altman-Z | 1.63 |
ROIC/WACC0.11
WACC9.11%
2.3 Liquidity
OSCR has a Current 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.
OSCR has a Current ratio of 0.15. This is in the better half of the industry: OSCR outperforms 69.50% of its industry peers.
A Quick Ratio of 0.15 indicates that OSCR may have some problems paying its short term obligations.
Looking at the Quick ratio, with a value of 0.15, OSCR is in the better half of the industry, outperforming 69.50% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.15 | ||
| Quick Ratio | 0.15 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 98.33% over the past year.
Looking at the last year, OSCR shows a very strong growth in Revenue. 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
OSCR is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 338.36% yearly.
Based on estimates for the next years, OSCR will show a quite strong growth in Revenue. The Revenue will grow by 16.31% on average per year.
EPS Next Y3888.59%
EPS Next 2Y575.95%
EPS Next 3Y338.36%
EPS Next 5YN/A
Revenue Next Year24.74%
Revenue Next 2Y12.42%
Revenue Next 3Y16.31%
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.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings Ratio is negative for OSCR. In the last year negative earnings were reported.
Based on the Price/Forward Earnings ratio of 19.56, the valuation of OSCR can be described as rather expensive.
Based on the Price/Forward Earnings ratio, OSCR is valued a bit more expensive than 69.50% of the companies in the same industry.
OSCR's Price/Forward Earnings ratio indicates a similar valuation than the S&P500 average which is at 22.68.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 19.56 |
4.2 Price Multiples
OSCR's Enterprise Value to EBITDA ratio is in line with the industry average.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of OSCR indicates a somewhat cheap valuation: OSCR is cheaper than 75.18% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 3.9 | ||
| EV/EBITDA | 31.23 |
4.3 Compensation for Growth
The 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 338.36% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y575.95%
EPS Next 3Y338.36%
5. Dividend
5.1 Amount
OSCR does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
14.82
-1.25 (-7.78%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners78.61%
Inst Owner Change10.4%
Ins Owners2.82%
Ins Owner Change12.97%
Market Cap3.71B
Analysts73.33
Price Target18.64 (25.78%)
Short Float %9.69%
Short Ratio4.79
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)-6.57%
PT rev (3m)-25.4%
EPS NQ rev (1m)19.12%
EPS NQ rev (3m)-4.8%
EPS NY rev (1m)-1.22%
EPS NY rev (3m)25%
Revenue NQ rev (1m)0.35%
Revenue NQ rev (3m)0.87%
Revenue NY rev (1m)4.05%
Revenue NY rev (3m)3.59%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 19.56 | ||
| P/S | 0.41 | ||
| P/FCF | 3.9 | ||
| P/OCF | 3.79 | ||
| P/B | 3.66 | ||
| P/tB | 3.66 | ||
| EV/EBITDA | 31.23 |
EPS(TTM)-0.02
EYN/A
EPS(NY)0.76
Fwd EY5.11%
FCF(TTM)3.8
FCFY25.63%
OCF(TTM)3.91
OCFY26.38%
SpS36.31
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 | 1.63 |
F-Score7
WACC9.11%
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 Y3888.59%
EPS Next 2Y575.95%
EPS Next 3Y338.36%
EPS Next 5YN/A
Revenue 1Y (TTM)54.95%
Revenue growth 3Y70.9%
Revenue growth 5Y79.82%
Sales Q2Q%67.11%
Revenue Next Year24.74%
Revenue Next 2Y12.42%
Revenue Next 3Y16.31%
Revenue Next 5YN/A
EBIT growth 1Y124.31%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year436.91%
EBIT Next 3Y120%
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