OSCR

Oscar Health Inc

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Advanced Chart

16.800

+1.38(8.949%)1D

Overview
Forecast
Valuation
Earnings

Line

Candle

YTD

High

16.830

Open

15.380

VWAP

16.35

Vol

19.52M

Mkt Cap

4.34B

Low

15.3599

Amount

319.11M

EV/EBITDA(TTM)

Total Shares

237.22M

1.69B

EV/OCF(TTM)

1.37

P/S(TTM)

0.38

Oscar Health, Inc. is a healthcare technology company built around a full stack technology platform. The Company's offerings include its insurance business and +Oscar Platform. Its health plans are offered in the individual market. The individual market primarily consists of policies purchased by individuals and families through health insurance marketplaces, established by the ACA and operated by the federal government, as well as other marketplaces operated by individual states. Individuals and families may also purchase policies in the individual market off-exchange. Employees whose employers have chosen to offer an Individual Coverage Health Reimbursement Arrangement (ICHRA) are also able to purchase its health plans. It offers health plans in the individual market under the five metal plan categories defined by the ACA: Catastrophic, Bronze, Silver, Gold, and Platinum. Through the +Oscar platform, the Company deploys its technology to help others throughout the healthcare system.

Market Estimates

Earnings Estimates

Revenue

YoY Chg

EPS

YoYChg

FY2026Q1

FY2025Q4

FY2025Q3

2.86B

-6.16%

0.350

-61.96%

3.06B

+27.8%

-0.976

+57.39%

3.09B

+27.43%

-0.567

+157.88%

Estimates Revision

The market is revising Upward the revenue expectations for Oscar Health, Inc. (OSCR) for FY2025, with the revenue forecasts being adjusted by 7.25% over the past three months. During the same period, the stock price has changed by 18.56%.

Revenue Estimates for FY2025

Revise Upward

+7.25%

In Past 3 Month

EPS Estimates for FY2025

Revise Downward

-301.84%

In Past 3 Month

Stock Price

Go Up

+18.56%

In Past 3 Month

8 Analyst Rating

-32.80% Downside

Wall Street analysts forecast OSCR stock price to fall over the next 12 months. According to Wall Street analysts, the average 1-year price target for OSCR is 11.29 USD with a low forecast of 8.00 USD and a high forecast of 14.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.

0 Buy

3 Hold

5 Sell

Moderate Sell

-32.80% Downside

Current: 16.800

Low

8.00

Averages

11.29

High

14.00

-32.80% Downside

Current: 16.800

Low

8.00

Averages

11.29

High

14.00

Piper Sandler

Jessica Tassan

Neutral

downgrade

$14 -> $13

2025-08-14

Reason

Piper Sandler

Jessica Tassan

Price Target

$14 -> $13

2025-08-14

downgrade

Neutral

Reason

Piper Sandler analyst Jessica Tassan lowered the firm's price target on Oscar Health to $13 from $14 and keeps a Neutral rating on the shares. The firm notes the company reported mixed Q2 results last week, affirmed the revised 2025 guidance issued with the company's July 22 preannouncement and articulated expectations for a return to profitability in 2026. Piper acknowledges significant questions around the revised 2025 guide and 2026 path to profitability.

Baird

Outperform -> Neutral

downgrade

$28 -> $14

2025-07-25

Reason

Baird

Price Target

$28 -> $14

2025-07-25

downgrade

Outperform -> Neutral

Reason

Baird downgraded Oscar Health to Neutral from Outperform with a price target of $14, down from $28. The firm cites its caution on the healthcare exchange end market for the downgrade. Given Oscar's recent pre-announced Q2 and 2025 outlook revision, Baird is increasingly cautious into 2026 and beyond. There is now significant complexity in projecting Oscar's risk adjustment revenue, the analyst tells investors in a research note.

Baird

Outperform -> Neutral

downgrade

$28 -> $14

2025-07-24

Reason

Baird

Price Target

$28 -> $14

2025-07-24

downgrade

Outperform -> Neutral

Reason

Baird downgraded Oscar Health to Neutral from Outperform with a price target of $14, down from $28.

Barclays

Underweight

downgrade

$17 -> $11

2025-07-23

Reason

Barclays

Price Target

$17 -> $11

2025-07-23

downgrade

Underweight

Reason

Barclays lowered the firm's price target on Oscar Health to $11 from $17 and keeps an Underweight rating on the shares. The firm reduced estimates through 2027 following the earnings report.

UBS

Neutral -> Sell

downgrade

$15 -> $11

2025-07-15

Reason

UBS

Price Target

$15 -> $11

2025-07-15

downgrade

Neutral -> Sell

Reason

UBS downgraded Oscar Health to Sell from Neutral with a price target of $11, down from $15. The firm believes recent developments in the public health insurance exchanges create uncertainty that is not fully priced into the shares. UBS expects Oscar's exchange enrollment to fall at least 30% in 2026 when enhanced subsidies expire. The company will be unable to offset the membership loss with pricing, the analyst tells investors in a research note.

Wells Fargo

Equal Weight -> Underweight

downgrade

$16 -> $10

2025-07-11

Reason

Wells Fargo

Price Target

$16 -> $10

2025-07-11

downgrade

Equal Weight -> Underweight

Reason

Wells Fargo downgraded Oscar Health to Underweight from Equal Weight with a price target of $10, down from $16.

See All Ratings

Valuation Metrics

The current forward P/E ratio for Oscar Health Inc (OSCR.N) is -13.62, compared to its 5-year average forward P/E of 28.89. For a more detailed relative valuation and DCF analysis to assess Oscar Health Inc 's fair value, click here.

Forward PE

The forward P/E ratio is a valuation metric that divides a company's current stock price by its estimated future earnings per share over the next 12 months.

N/A

5Y Average PE

28.89

Current PE

-13.62

Overvalued PE

94.13

Undervalued PE

-36.36

Forward EV/EBITDA

The forward EV/EBITDA ratio is a valuation metric that divides a company's enterprise value (EV) by its estimated future earnings before interest, taxes, depreciation, and amortization (EBITDA) over the next 12 months.

N/A

5Y Average EV/EBITDA

1.26

Current EV/EBITDA

-14.27

Overvalued EV/EBITDA

9.52

Undervalued EV/EBITDA

-6.99

Forward PS

The forward P/S ratio is a valuation metric that divides a company's current stock price by its estimated future sales (or revenue) per share over the next 12 months.

N/A

5Y Average PS

0.51

Current PS

0.34

Overvalued PS

1.03

Undervalued PS

-0.02