Oscar Health, Inc. (OSCR)

US — Healthcare Sector
Peers: ACLX  NAMS  AKRO  HNGE  ALHC  OPCH  KYMR  IMVT  TMDX  VKTX 

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Key Metrics & Ratings

  • symbol OSCR
  • Rev/Share 44.198
  • Book/Share 4.0208
  • PB 3.6439
  • Debt/Equity 0.6702
  • CurrentRatio 0.9461
  • ROIC -0.132

 

  • MktCap 3731671590.0
  • FreeCF/Share 2.8801
  • PFCF 5.0727
  • PE -15.2883
  • Debt/Assets 0.1194
  • DivYield 0
  • ROE -0.2156

 

  • Rating D+
  • Score 1
  • Recommendation Strong Sell
  • P/E Score 1
  • DCF Score 1
  • P/B Score 2
  • D/E Score 1

Recent Analyst Ratings

Type Ticker Analyst Firm Previous Rating Current Rating Previous Price Target Current Price Target Date
Initiation OSCR Goldman -- Neutral -- $17 Oct. 14, 2025
Downgrade OSCR Robert W. Baird Outperform Neutral -- $14 July 25, 2025
Downgrade OSCR UBS Neutral Sell -- $11 July 15, 2025
Downgrade OSCR Piper Sandler Overweight Neutral -- $14 July 14, 2025
Downgrade OSCR Wells Fargo Equal Weight Underweight -- $10 July 11, 2025
Initiation OSCR Barclays -- Underweight -- $17 July 2, 2025
Downgrade OSCR Raymond James Outperform Market Perform -- -- June 24, 2025
Downgrade OSCR Wells Fargo Overweight Equal Weight $20 $16 March 13, 2025
Initiation OSCR Jefferies -- Underperform -- $12 Dec. 10, 2024
Initiation OSCR UBS -- Neutral -- $23 Oct. 7, 2024

News

Obamacare Stock Stung by Potential Healthcare Disruption
OSCR
Published: November 10, 2025 by: Schaeffers Research
Sentiment: Negative

Oscar Health Inc (NYSE:OSCR) is sitting out today's broad market rally , last seen down 15.9% to trade at $14.98.

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image for news Obamacare Stock Stung by Potential Healthcare Disruption
Oscar Health Misses Q3 Revenue, Loss Widens To $129 Million Despite Membership Surge
OSCR
Published: November 06, 2025 by: Benzinga
Sentiment: Negative

Oscar Health Inc. (NYSE: OSCR) reported third-quarter revenue of approximately $2.99 billion, compared to $2.4 billion a year ago, missing the consensus estimate of $3.08 billion.

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image for news Oscar Health Misses Q3 Revenue, Loss Widens To $129 Million Despite Membership Surge
Compared to Estimates, Oscar Health (OSCR) Q3 Earnings: A Look at Key Metrics
OSCR
Published: November 06, 2025 by: Zacks Investment Research
Sentiment: Positive

The headline numbers for Oscar Health (OSCR) give insight into how the company performed in the quarter ended September 2025, but it may be worthwhile to compare some of its key metrics to Wall Street estimates and the year-ago actuals.

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image for news Compared to Estimates, Oscar Health (OSCR) Q3 Earnings: A Look at Key Metrics
Oscar Launches New Affordable Health Insurance Choices for Orlando Individuals, Families, and Businesses
OSCR
Published: November 05, 2025 by: Business Wire
Sentiment: Neutral

ORLANDO, Fla.--(BUSINESS WIRE)--Oscar Health introduces new health plans for individuals, families, and businesses in Orlando on the individual marketplace for 2026 Open Enrollment.

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image for news Oscar Launches New Affordable Health Insurance Choices for Orlando Individuals, Families, and Businesses
Oscar Launches New Affordable Health Insurance Choices for Tampa Individuals, Families, and Businesses
OSCR
Published: November 05, 2025 by: Business Wire
Sentiment: Neutral

TAMPA, Fla.--(BUSINESS WIRE)--Oscar Health introduces new health plans for individuals, families, and businesses in Tampa on the individual marketplace for 2026 Open Enrollment.

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image for news Oscar Launches New Affordable Health Insurance Choices for Tampa Individuals, Families, and Businesses
Oscar Launches New Affordable Health Insurance Choices for Charlotte Individuals and Families
OSCR
Published: November 05, 2025 by: Business Wire
Sentiment: Neutral

CHARLOTTE, N.C.--(BUSINESS WIRE)--Oscar Health offers affordable, tech-powered plans for individuals and families in Charlotte on the individual marketplace for 2026 Open Enrollment.

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image for news Oscar Launches New Affordable Health Insurance Choices for Charlotte Individuals and Families
Oscar Health: What The US Government Shutdown Means To The Company
OSCR
Published: October 08, 2025 by: Seeking Alpha
Sentiment: Positive

Oscar Health (OSCR) faces uncertainty as the expiration of enhanced ACA premium tax credits could impact membership and margins. Oscar's growth is supported by rising Individual Coverage Health Reimbursement Arrangements (ICHRA), expanding its addressable market and revenue potential. If subsidies are extended, Oscar will able to continue to grow their member base and eventually reach profitability.

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image for news Oscar Health: What The US Government Shutdown Means To The Company
Bear of the Day: Oscar Health (OSCR)
OSCR
Published: October 08, 2025 by: Zacks Investment Research
Sentiment: Neutral

Oscar Health ( OSCR ) is a $5 billion digital health-insurance company that was expected to see a strong rise to profitability this year into 2026. But even after raising top line guidance this year to $12-12.2 billion from $11.2-11.3 billion, analysts reversed course on their EPS forecast by moving the consensus from $0.61 to a loss of $1.42 in the past few months.

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image for news Bear of the Day: Oscar Health (OSCR)
Here's why the Oscar Health stock price is in a bull run
OSCR
Published: October 07, 2025 by: Invezz
Sentiment: Positive

Oscar Health stock price has been in a strong uptrend in the past few weeks as the company shared plans on integrating artificial intelligence (AI) into its business. OSCR surged to a high of $24.2, its highest level since June 2021.

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image for news Here's why the Oscar Health stock price is in a bull run
Oscar Health, Inc. (OSCR) Outperforms Broader Market: What You Need to Know
OSCR
Published: October 02, 2025 by: Zacks Investment Research
Sentiment: Positive

Oscar Health, Inc. (OSCR) reached $19.28 at the closing of the latest trading day, reflecting a +2.01% change compared to its last close.

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image for news Oscar Health, Inc. (OSCR) Outperforms Broader Market: What You Need to Know
Oscar Health: Buy Now On ACA Concerns
OSCR
Published: September 25, 2025 by: Seeking Alpha
Sentiment: Neutral

Oscar Health (OSCR) remains up 31% YTD as investors watch for developments on ACA enhanced subsidies, a key driver for its marketplace business. Policy risk looms with potential ACA subsidy expiration in 2026, but congressional pressure to extend could trigger a rally in OSCR shares. OSCR is leveraging ICHRA growth, AI-driven cost reductions, and improved customer experience to drive long-term margin expansion and membership gains.

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image for news Oscar Health: Buy Now On ACA Concerns
Defiance Launches OSCX: The First 2X Long ETF for Oscar Health, Inc.
OSCR
Published: September 25, 2025 by: GlobeNewsWire
Sentiment: Neutral

MIAMI, Sept. 25, 2025 (GLOBE NEWSWIRE) -- Defiance ETFs, a leader in thematic and leveraged exchange-traded funds, today announced the launch of the Defiance Daily Target 2X Long OSCR ETF (Ticker: OSCX).

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image for news Defiance Launches OSCX: The First 2X Long ETF for Oscar Health, Inc.
Oscar Health Set For HIMS-Style Moonshot? Shorts Could Burn As ACA Buzz Builds
OSCR
Published: September 19, 2025 by: Benzinga
Sentiment: Positive

Oscar Health Inc OSCR just became one of Wall Street's buzziest policy trades. With ACA (Affordable Care Act) subsidy chatter swirling ahead of a possible government shutdown, the tech-driven insurer is drawing Hims & Hers Health Inc HIMS style moonshot comparisons — and short sellers may be sitting on a powder keg.

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image for news Oscar Health Set For HIMS-Style Moonshot? Shorts Could Burn As ACA Buzz Builds
Oscar Health: The Market Is Mispricing This Disruptor
OSCR
Published: September 17, 2025 by: Seeking Alpha
Sentiment: Positive

Oscar Health stock is up 21% since my strong buy rating, outperforming the S&P 500's 4% return. Membership surpassed 2.0 million in June 2025, growing 28% year-over-year compared to just 13% ACA market growth. Expansion remains the primary catalyst, with coverage in 18 states and 446 counties, targeting 150 new metros by 2027.

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image for news Oscar Health: The Market Is Mispricing This Disruptor
Rocket, Oscar, Hims & Hers: Short Sellers Are Playing With Fire
HIMS, OSCR, RKT
Published: August 25, 2025 by: Benzinga
Sentiment: Positive

Wall Street's most crowded shorts are starting to look like powder kegs. Rocket Companies Inc RKT, Oscar Health Inc OSCR, and Hims & Hers Health Inc HIMS are sitting at the top of the market's short-interest leaderboard, each with more than a quarter of their float sold short.

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image for news Rocket, Oscar, Hims & Hers: Short Sellers Are Playing With Fire
Oscar Health: Undervalued, But Not Without Risk
OSCR
Published: August 18, 2025 by: Seeking Alpha
Sentiment: Neutral

Oscar Health is deeply undervalued but faces high short-term uncertainty due to ACA-specific risks and sector-wide negative catalysts. The expiration of ACA subsidies, adverse selection, and new legislation threaten enrollment and profitability, making Oscar more vulnerable than diversified peers. Despite near-term headwinds, Oscar is uniquely positioned for long-term growth, especially if ICHRA adoption improves the ACA risk pool.

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image for news Oscar Health: Undervalued, But Not Without Risk
Wall Street Got Oscar All Wrong
OSCR
Published: August 08, 2025 by: Seeking Alpha
Sentiment: Negative

Oscar's Q2 revenue rose 29% YoY to $2.86 billion, with membership growing 28% to over 2 million. The reported 91.1% MLR was distorted by a $692 million retroactive risk adjustment; normalized MLR was ~85.1%. SG&A dropped to 18.7% of revenue, driven by automation, AI, and vendor optimization, unlocking $60 million in annualized savings.

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image for news Wall Street Got Oscar All Wrong
Oscar Health: Underrated Growth Story With Big-Cap Ambitions
OSCR
Published: August 05, 2025 by: Seeking Alpha
Sentiment: Positive

Oscar Health is facing short-term ACA market concerns and negative analyst sentiment. I think it will be short-lived. The company is expanding into the high-potential ICHRA market, leveraging operational scale and AI-driven care coordination to improve margins. Current market concerns are cyclical, not structural. Valuation suggests growth rate is overlooked and company is mispriced.

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image for news Oscar Health: Underrated Growth Story With Big-Cap Ambitions
Oscar Health: Barclays, UBS, And Wells Fargo Downgraded, But The Real Story Says Buy
BCS, OSCR
Published: July 20, 2025 by: Seeking Alpha
Sentiment: Positive

I rate Oscar Health as a buy, viewing short-term regulatory headwinds as a buying opportunity given its long-term growth prospects. Oscar's strong revenue growth, improving profitability, and efficient SG&A management support my positive outlook, despite recent bearish analyst coverage. The company's strategic expansion into the ICHRA market and deployment of AI technology are key drivers for future revenue and cost efficiency.

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image for news Oscar Health: Barclays, UBS, And Wells Fargo Downgraded, But The Real Story Says Buy
Is $20 a Fair Valuation for Oscar Health (OSCR) — or a Stretch Too Far?
OSCR
Published: July 20, 2025 by: 24/7 Wall Street
Sentiment: Neutral

Key Points in This Article: Oscar Health's (OSCR) stock surged in June 2025 due to strong Q1 earnings but crashed after Centene's guidance withdrawal and analyst downgrades.

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image for news Is $20 a Fair Valuation for Oscar Health (OSCR) — or a Stretch Too Far?
Oscar Health, Inc. (OSCR) Surpasses Market Returns: Some Facts Worth Knowing
OSCR
Published: July 16, 2025 by: Zacks Investment Research
Sentiment: Positive

Oscar Health, Inc. (OSCR) closed at $15.35 in the latest trading session, marking a +2.88% move from the prior day.

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image for news Oscar Health, Inc. (OSCR) Surpasses Market Returns: Some Facts Worth Knowing
Why I'm Buying Oscar's Panic Dip
OSCR
Published: July 03, 2025 by: Seeking Alpha
Sentiment: Negative

Centene's $1.8B ACA risk shock triggered a ~15-20% drop in Oscar's stock but didn't alter Q1 fundamentals. Oscar posted 42% revenue growth, expanding to 2 million members with a record-low 15.8% SG&A expense ratio. Barclays' downgrade highlights policy risk, projecting over 100bps MLR pressure and aggressive EPS cuts if subsidies expire.

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image for news Why I'm Buying Oscar's Panic Dip
Oscar Health: Should You Buy OSCR Stock At $17?
OSCR
Published: July 03, 2025 by: Forbes
Sentiment: Neutral

On July 2nd, the health insurance sector underwent a notable decline following Centene (NYSE:CNC)'s retraction of its financial outlook, citing rising costs. Refer to – Centene: Is The Recent Decline In CNC Stock Justified?

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image for news Oscar Health: Should You Buy OSCR Stock At $17?
Oscar Health: Should You Buy OSCR Stock At $17?
OSCR
Published: July 03, 2025 by: Forbes
Sentiment: Neutral

On July 2nd, the health insurance sector underwent a notable decline following Centene (NYSE:CNC)'s retraction of its financial outlook, citing rising costs. Refer to – Centene: Is The Recent Decline In CNC Stock Justified?

Read More
image for news Oscar Health: Should You Buy OSCR Stock At $17?
Oscar Health, Inc. (OSCR) Stock Sinks As Market Gains: Here's Why
OSCR
Published: July 02, 2025 by: Zacks Investment Research
Sentiment: Negative

Oscar Health, Inc. (OSCR) concluded the recent trading session at $16.62, signifying a -18.73% move from its prior day's close.

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image for news Oscar Health, Inc. (OSCR) Stock Sinks As Market Gains: Here's Why
Oscar Health (OSCR) Soars 7.8%: Is Further Upside Left in the Stock?
OSCR
Published: June 18, 2025 by: Zacks Investment Research
Sentiment: Positive

Oscar Health (OSCR) witnessed a jump in share price last session on above-average trading volume. The latest trend in earnings estimate revisions for the stock doesn't suggest further strength down the road.

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image for news Oscar Health (OSCR) Soars 7.8%: Is Further Upside Left in the Stock?
Oscar Health: The Healthcare Disruptor Just Hit Its Stride
OSCR
Published: May 14, 2025 by: Seeking Alpha
Sentiment: Positive

Oscar Health, Inc. delivered strong Q1 results with 42% revenue growth, improved cost control, and expanding membership, signaling sustainable profitability and margin expansion. The company stands to benefit from competitor exits in ACA exchanges and potential policy changes lowering prescription drug costs, enhancing long-term operating leverage. Despite a high current P/E, forward multiples and consensus EPS growth suggest Oscar is undervalued with >41% upside potential in the next 12-18 months.

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image for news Oscar Health: The Healthcare Disruptor Just Hit Its Stride
Oscar Health, Inc. (OSCR) Q1 2025 Earnings Call Transcript
OSCR
Published: May 07, 2025 by: Seeking Alpha
Sentiment: Neutral

Oscar Health, Inc. (NYSE:OSCR ) Q1 2025 Earnings Conference Call May 7, 2025 8:00 AM ET Company Participants Chris Potochar - Vice President of Treasury and Investor Relations Mark Bertolini - Chief Executive Officer Scott Blackley - Chief Financial Officer Conference Call Participants John Ransom - Raymond James Stephen Baxter - Wells Fargo Jonathan Yong - UBS Joanna Gajuk - Bank of America Josh Raskin - Nephron Research Jessica Tassan - Piper Sandler Michael Ha - Baird David Windley - Jefferies Operator Good morning, everyone. My name is Ellie, and I will be your conference operator for today.

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image for news Oscar Health, Inc. (OSCR) Q1 2025 Earnings Call Transcript
Oscar Health, Inc. (OSCR) Beats Q1 Earnings and Revenue Estimates
OSCR
Published: May 07, 2025 by: Zacks Investment Research
Sentiment: Positive

Oscar Health, Inc. (OSCR) came out with quarterly earnings of $0.92 per share, beating the Zacks Consensus Estimate of $0.83 per share. This compares to earnings of $0.62 per share a year ago.

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image for news Oscar Health, Inc. (OSCR) Beats Q1 Earnings and Revenue Estimates
Oscar Health Announces Strong Financial Results for First Quarter 2025 And Reaffirms 2025 Guidance
OSCR
Published: May 07, 2025 by: Business Wire
Sentiment: Neutral

NEW YORK--(BUSINESS WIRE)--Oscar Health, Inc. (“Oscar” or the “Company”) (NYSE: OSCR), a leading healthcare technology company, announced today its financial results for the first quarter ended March 31, 2025. “Oscar reported strong financial results in the first quarter,” said Mark Bertolini, CEO of Oscar Health. “We delivered continued top-line growth and bottom-line performance with significant year-over-year increases in revenue and net income. We continue to expect meaningful margin expans.

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image for news Oscar Health Announces Strong Financial Results for First Quarter 2025 And Reaffirms 2025 Guidance

About Oscar Health, Inc. (OSCR)

  • IPO Date 2021-03-03
  • Website https://www.hioscar.com
  • Industry Medical - Healthcare Plans
  • CEO Mark Thomas Bertolini
  • Employees 2400

Oscar Health, Inc. provides health insurance products and services in the United States. The company offers Individual & Family, Small Group, and Medicare Advantage plans, as well as +Oscar, a technology driven platform designed to help providers and payor clients to engage with members and patients. It also provides 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.