OSCR

Strong BuyFull HouseFLAG

Oscar Health, Inc. · Healthcare · United States · $9.4B · Avg Vol: $175M/d

Full House: Strong business, sensible price, market agrees. The rare full house.

98
StockRank
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Quality
61
Value
68
Momentum
83
P/E (TTM)
24.7x
peers 25.2x
ROE
34.3%
peers -31.0%
D/E
0.2x
peers 0.2x
Dividend %
trailing yield
AI CONVICTION THESIS

Passes quantitative thresholds, but net insider selling occurred over the last 90 days. While EPS revisions are strongly positive, the negative insider signal triggers a flag per protocol.

ABOUT OSCAR HEALTH, INC.

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Oscar Health, Inc. is a technology-driven health insurance company focused on the individual and family plan market in the United States. The company utilizes a proprietary full-stack technology platform to simplify the member experience, coordinate care, and lower healthcare costs. Oscar's competitive advantage is driven by its high member engagement, personalized virtual care integration, and strategic partnerships with major provider networks.

FINANCIAL SUMMARY (USD)

Year2022202320242025CAGRTTM2026E2027EFwd CAGR
Revenue4.1B5.9B9.2B11.7B41.6%15.3B18.7B20.3B31.7%
EPS-2.85-1.220.10-1.691.301.751.88166.0%
Shares216.3M229.4M250.5M297.7M+37.6%273.5M
Debt298.0M298.8M299.6M430.1M13.0%482.1M
Equity890.4M804.0M1.0B977.6M3.2%
Op CF380.3M-272.2M978.2M1.1B42.3%4.4B
Inv CF-226.5M577.2M-1.4B-241.1M
Fin CF301.1M6.4M68.4M399.2M
Loading 1Y...
PRICE (1Y)+15.2%
27.6729.2130.7432.2833.81Aug 7Aug 28Sep 18
SMA 50SMA 200

Close
$32.13
RSI (14)
59.1
52W High
$34.48
From 52W High
0.9%

SCORE BREAKDOWN

Quality
61
ROIC (ROA)
4.5%*54.2
ROE
34.3%95.5
GP/Assets
48.8%85.6
Op. Margin
8.0%59.1
FCF/Assets
25.7%97.4
Piotroski
211.8
Int. Cover
-23.8x16.7
D/E Ratio
0.23x47.2
Current Ratio
1.08x13.3
Value
68
P/E (TTM)
24.7x48.1
EV/EBITDA
2.7x97.5
P/FCF
5.8x91.1
P/B
4.8x28.7
P/S
0.6x90.2
Div Yield
N/A
Momentum
83
52W High %
93%89.8
RS 6M
125%97.5
SMA 50/200
1.45x97.0
EPS Rev 4W
+26.2%96.7
EPS Rev 12W
+48.3%96.7
EPS Improve
+67%63.7
Q Growth
N/A

FUNDAMENTALS

Market Cap
$9.4B
P/E (Forward)
14.8x
Gross Margin
20.2%

SECTOR PEERS

Closest peers in Healthcare, ranked by industry match, size, and score similarity. Cross-listings of OSCR are excluded.

TickerCompanyMkt CapStockRankSignal
OSCROscar Health, Inc.(you)$9.4B98Strong Buy
MOHMolina Healthcare, Inc.$10.4B71Buy
CNCCentene Corporation$32.0B93Strong Buy
PGNYProgyny, Inc.$2.0B98Strong Buy
HUMHumana Inc.$46.3B89Strong Buy
CIThe Cigna Group$73.7B92Strong Buy
CLOVClover Health Investments, Corp.$2.2B79Buy
ELVElevance Health, Inc.$85.5B90Strong Buy
CVSCVS Health Corporation$119.0B93Strong Buy
ALHCAlignment Healthcare, Inc.$2.8B59Hold

Peer medians: ROE -31.0% · P/E 25.2x · Gross margin 58.3%

Company Deep Dive

Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.

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Oscar Health, Inc. (OSCR): Stock Score Summary

Oscar Health, Inc. (OSCR) has a MoatMap StockRank of 98/100 based on Quality (61/100), Value (68/100), and Momentum (83/100) factor scores. The current signal is STRONG BUY. Passes quantitative thresholds, but net insider selling occurred over the last 90 days. While EPS revisions are strongly positive, the negative insider signal triggers a flag per protocol.

Oscar Health, Inc. is a technology-driven health insurance company focused on the individual and family plan market in the United States. The company utilizes a proprietary full-stack technology platform to simplify the member experience, coordinate care, and lower healthcare costs. Oscar's competitive advantage is driven by its high member engagement, personalized virtual care integration, and strategic partnerships with major provider networks.

Key Financial Metrics

Price$32.13
Market Cap$9.4B
P/E (TTM)24.72
P/E (Forward)14.84
Price/Book4.83
Return on Equity34.3%
Debt/Equity0.23x
Gross Margin20.2%
Operating Margin8.0%
Revenue Growth70.4%
Free Cash Flow$1.6B

Oscar Health, Inc. operates in the Healthcare Plans industry, part of the Healthcare sector (United States).

Frequently Asked Questions

What is Oscar Health, Inc.’s (OSCR) StockRank?
MoatMap’s StockRank for Oscar Health, Inc. (OSCR) is 98/100, with a Strong Buy signal. It is a composite of Quality (61), Value (68), and Momentum (83) factor ranks across MoatMap’s universe of 25,000+ stocks.
Does Oscar Health, Inc. have an economic moat?
Oscar Health, Inc. (OSCR) has a Quality factor score of 61/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage: the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the characteristics of a moated business.
Is Oscar Health, Inc. a buy, hold, or sell?
MoatMap’s current signal for Oscar Health, Inc. (OSCR) is Strong Buy, based on a StockRank of 98/100. Signals are derived mechanically from the StockRank composite and should be one input among many; combine with your own thesis on management, competitive position, and valuation.
What sector is Oscar Health, Inc. in?
Oscar Health, Inc. (OSCR) operates in the Healthcare sector, specifically the Healthcare Plans industry (United States).