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Stock Oscar Health, Inc. OSCR

Oscar Health, Inc. — Investlytic score 3/5 on the five criteria.

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60/ 100
Score Investlytic · 5 criteria

Analysis in progress…

Investlytic score: 3/5 criteria met.

  • ✅ Price trend passed
  • ⚠️ Mixed growth
  • ✅ Debt passed
  • ✅ P/E passed
  • ❌ Correction failed

Price trend

Overall trend (8 years): the price has been multiplied by at least 1.5.

Price change 2021 → 2022: -68.66%

Price change 2022 → 2023: 271.95%

Price change 2023 → 2024: 46.89%

Price change 2024 → 2025: 6.92%

Price change 2025 → 2026: 117.26%

Price change 2026 (year to date): 108.55%

Financial growth

Revenue CAGR (7 years): 66.27%

Earnings CAGR (7 years): N/A

Growth status: positive trend (>1%/yr) in revenue, earnings data insufficient/N/A.

Debt

Debt-to-equity ratio: 0.44

Debt/equity < 0.5 (maximum threshold).

P/E (Price/Earnings)

P/E ratio: 22.10

P/E < 25.0 (maximum threshold).

Correction (6 months)

Current correction: 2.98% from the high over 6 months.

Insufficient correction (< 10.0%).

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Criteria of the Investlytic model

- / 5
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Investlytic rating reserved for members

Score out of 100, model verdict (buy, watch, sell) and details of the 5 criteria · visible with a free account.

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Price trend

Price & trend

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⚖️ Comparison with the market

All stocks →
StockP/EDette/FPRevenue growthRating
Oscar Health, Inc.21.70.44+66.3 %🔒
bioMérieux S.A.22.80.11+7.6 %–
Virbac S.A.19.30.26+6.5 %★ 4/5
Viatris Inc.7.51.00+6.6 %–
BioNTech SE–0.01+60.8 %–

Data from the Investlytic screener. The rating of the stock being viewed is reserved for members.

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Detailed analysis · Price trend

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Global model trend and annual price variations · visible with a free account.

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Revenues & profits

Revenue and net income

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Chart of revenues and net income over 8 periods · real data, no estimates.

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Financial indicators

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18 financial indicators analyzed by groups of criteria: valuation, profitability, growth, solidity, dividend, and momentum.

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Annual financial statements

Fiscal yearRevenueNet income Net marginEPSRevenue growth
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Complete annual financial statements: revenue, net income, margin, and EPS over 8 fiscal years.

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Key reported figures

Revenue, net income and net margin reported by Oscar Health, Inc. over the latest fiscal years.

Revenue
11.7 bn USD
fiscal year 2025
Net income
-443 m USD
fiscal year 2025
Net margin
-3.8 %
fiscal year 2025
Average annual growth
+81.8 %
Revenue growth over 5 years
Market cap
7.9 bn USD
Fiscal yearRevenueNet incomeNet marginRevenue growth
2020590 m-407 m-69.0 %n/a
20211.9 bn-573 m-29.8 %+225.8 %
20224.1 bn-606 m-14.7 %+114.8 %
20235.9 bn-271 m-4.6 %+42.1 %
20249.2 bn25.4 m0.3 %+56.5 %
202511.7 bn-443 m-3.8 %+27.5 %

Amounts converted to USD. Source: published annual accounts, collected on 06/11/2026.

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Accounts and financial health

Balance sheet and cash flow published by Oscar Health, Inc. over the last fiscal years, strength scores and valuation by discounted cash flow (DCF).

Overview
solid accounts
according to Altman Z, Piotroski and net debt
Altman Z-score
2.49
gray zone (1.81 to 2.99)
Piotroski Score
7 / 9
7 to 9: solid accounts
Net Debt / EBITDA
-4.27 x
net cash
Fiscal year20212022202320242025
Cash and investments1.7 bn3.0 bn2.6 bn2.2 bn4.0 bn
Total Debt0298 m299 m300 m430 m
Net Debt-1.1 bn-1.3 bn-1.6 bn-1.2 bn-2.3 bn
Equity1.4 bn890 m804 m1.0 bn978 m
Total assets3.3 bn4.5 bn3.6 bn4.8 bn6.3 bn
Operating cash flow-182 m380 m-272 m978 m1.1 bn
Investments (capex)25.9 m29.0 m25.6 m27.9 m36.4 m
Free cash-flow-208 m351 m-298 m950 m1.1 bn
Share buybacks00000
Dividends paid00000

Amounts in USD, currency of the published accounts.

Trailing 12-month ratios

Price / earnings (P/E)11.03 x
Price / book value4.27 x
Return on Equity (ROE)49.5 %
Return on Invested Capital (ROIC)32.5 %
Net margin4.9 %
Debt / equity0.19 x
Current ratio1.14 x
Interest coverage67.88 x
Free cash-flow yield51.5 %

Altman Z: default risk estimated from the balance sheet and earnings. Piotroski: 9 tests on profitability, debt and efficiency. DCF: estimated value from discounted future cash flows, a model and not a forecast. Source: annual accounts published by the company, data as of 09/11/2026.

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Valuation and competitors

Oscar Health, Inc. compared with its sector on the same exchange and with its main competitors.

Company P/E
21.9
18.2 % below the sector
Sector median P/E
26.8
healthcare, NYSE
Sector over 10 years
22.3
10-year median, range 18.4 to 44.9

Direct competitors

CompanyMarket cap (USD)P/ENet margin
Oscar Health, Inc.7.9 bn21.7-3.8 %
Alignment Healthcare, Inc. ALHC1.5 bn38.3-0.0 %
Clover Health Investments, Corp. CLOV2.4 bn104.6-4.5 %
Molina Healthcare, Inc. MOH10.7 bn29.61.0 %
Centene Corporation CNC33.9 bn27.2-3.4 %
Elevance Health Inc. ELV91.1 bn14.32.8 %
Cigna Corporation CI78.8 bn9.72.2 %
CVS Health Corporation CVS115 bn11.50.4 %
Sector median (NYSE)26.8

Trailing 12-month P/E. Sector: median of companies in the same sector listed on the same exchange, collected on . Competitors: comparable companies named by the data provider.

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Analyst consensus and forecasts

What the financial analysts covering Oscar Health, Inc. publish: ratings, price targets and earnings forecasts.

Majority rating
hold
13 analysts
Average price target
36.80 USD
from n/a to n/a, 22 targets over 12 months
Gap with the share price
+21.2 %
price 30.37 USD on 30/10/2026

Breakdown of ratings

strong buy 0buy 4hold 8sell 1strong sell 0

Average target over the last 3 months: 36.80 USD (10 targets).

Track record against expectations: reported EPS above consensus 9 times over the last 12 releases.

Source: ratings and forecasts published by analysts, collected on 07/11/2026. An analyst rating or target is not a guarantee.

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Dividends and earnings

Oscar Health, Inc.: dividend history, last distributions, stock splits and earnings releases.

No known dividend for this company.

Earnings releases

DatePublished EPSExpected EPSSurprise
06/08/20261.100.40+173.0 %
06/05/20262.071.21+71.1 %
10/02/2026-1.24-0.92n/a
06/11/2025-0.53-0.55n/a
06/08/2025-0.89-0.90n/a
07/05/20250.920.83+10.8 %

Factual data: ex-dividend history and earnings calendar, as of 05/11/2026. A past dividend does not guarantee the next one.

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Who owns the stock

Free float, institutional investors, large funds, executives and elected officials: declared positions in Oscar Health, Inc.

Free float
97.7 %
share of freely traded shares
Large funds tracked
25
hold the stock as of 2026Q2
Executives (insiders)
0 / 9
0 purchases, 9 sales in 130 days

Large funds tracked

FundSharesValue (USD)Weight in the fundChangeQuarter
BlackRock20.6 m587 m0.0 %+18.9 %2026Q2
D. E. Shaw & Co12.6 m361 m0.2 %+130.5 %2026Q2
State Street11.6 m331 m0.0 %+120.5 %2026Q2
Vanguard Group20.7 m297 m0.0 %+2.7 %2025Q4
Citadel Advisors8.5 m241 m0.1 %+144.0 %2026Q2
Geode Capital Management5.8 m166 m0.0 %+15.6 %2026Q2
Fidelity5.0 m143 m0.0 %+317.0 %2026Q2
Two Sigma Investments4.0 m115 m0.1 %+71.8 %2026Q2

Latest insider transactions

DatePersonSideAmount
18/09/2026Wittman Vanessa Amessale806,000 USD
03/09/2026Liang Janetsale325,822 USD
03/09/2026Baltrus Victoriasale30,129 USD
03/09/2026Blackley Richard Scottsale907,930 USD
03/09/2026Mcananey Adamsale285,943 USD
03/09/2026Schlosser Mariosale988,222 USD

Sources: 13F filings (quarter shown), executives' Form 4 filings and US Congress members' disclosures, collected on 08/11/2026. Detailed disclosure obligations mainly apply to companies listed in the United States.

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PEA and practical information

PEA eligibility
no
head office outside the EU and EEA
Listing exchange
NYSE
IPO: 03/03/2021
ISIN code
US6877931096
Workforce
2,400
full-time employees
Chief executive
Mark Thomas Bertolini

Rule applied: the French PEA accepts shares of companies headquartered in the European Union or the European Economic Area and subject to corporate income tax; ADRs and tax-exempt property companies (SIIC) are excluded. The institution holding the PEA confirms eligibility.

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Frequently asked questions about Oscar Health, Inc.

What is the Oscar Health, Inc. share price?

Latest recorded price: 30.65 USD on 06/11/2026, for a market cap of 7.9 bn USD.

What is the revenue of Oscar Health, Inc.?

11.7 bn USD for fiscal year 2025, with net income of -443 m USD (net margin -3.8 %).

What do analysts say about Oscar Health, Inc.?

Out of 13 analysts: 4 buy or strong buy, 8 hold, 1 sell or strong sell. Average price target: 36.80 USD, i.e. +21.2 % from the share price.

What is the P/E ratio of Oscar Health, Inc.?

Trailing 12-month P/E of 21.9, against 26.8 for the sector median on the same exchange (10-year median: 22.3).

Is Oscar Health, Inc. stock eligible for the French PEA?

No: the company is headquartered outside the European Union and the European Economic Area (ISIN US6877931096).

How many employees does Oscar Health, Inc. have?

2,400 full-time employees according to the latest published profile.

Who runs Oscar Health, Inc.?

Mark Thomas Bertolini is the company's chief executive.

Which large funds own Oscar Health, Inc.?

As of 2026Q2, among the large funds tracked: BlackRock, D. E. Shaw & Co, State Street, Vanguard Group, Citadel Advisors.

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