OSCR

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Overview
Forecast
Valuation

Line

Candle

YTD

High

13.205

Open

12.905

VWAP

13.11

Vol

1.44M

Mkt Cap

3.31B

Low

12.890

Amount

18.94M

EV/EBITDA(TTM)

23.88

Total Shares

237.22M

2.13B

EV/OCF(TTM)

2.18

P/S(TTM)

0.39

Oscar Health, Inc. is a health insurance company, which has built a full stack technology platform focused on serving its members. It offers individual and family, and small group plans, and +Oscar, its full stack technology platform, to others within the provider and payor space. Its individual market primarily consists of policies purchased by individuals and families through health insurance marketplaces. The small group market consists of employees of companies with up to 50 full-time workers in various states and up to 100 full-time workers in select states. It offers health plans in the individual market on exchange and off-exchange under the five metal plan categories, such as catastrophic, bronze, silver, gold, and platinum. These plans differ based on the size of the monthly premium and the level of sharing of medical costs between Oscar and its members. Oscar brings insurance products to the market to meet various healthcare needs of consumers.

Market Estimates

Earnings Estimates

Revenue

YoY Chg

EPS

YoYChg

FY2025Q1

FY2025Q2

FY2025Q3

2.87B

+33.75%

0.807

+30.24%

2.78B

+25.19%

0.445

+122.5%

2.80B

+15.6%

-0.102

-53.41%

Estimates Revision

The market is revising Downward the revenue expectations for Oscar Health, Inc. (OSCR) for FY2025, with the revenue forecasts being adjusted by -1.72% over the past three months. During the same period, the stock price has changed by -11.40%.

Revenue Estimates for FY2025

Revise Downward

-1.72%

In Past 3 Month

EPS Estimates for FY2025

Revise Downward

-4.21%

In Past 3 Month

Stock Price

Go Down

-11.40%

In Past 3 Month

5 Analyst Rating

29.06% Upside

Wall Street analysts forecast OSCR stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for OSCR is 16.90 USD with a low forecast of 12.00 USD and a high forecast of 28.00 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.

1 Buy

2 Hold

2 Sell

Hold

29.06% Upside

Current: 13.095

Low

12.00

Averages

16.90

High

28.00

29.06% Upside

Current: 13.095

Low

12.00

Averages

16.90

High

28.00

Wells Fargo

Stephen Baxter

Buy

Hold

Downgrades

$20 → $16

2025-03-13

Reason

Wells Fargo

Stephen Baxter

Price Target

$20 → $16

2025-03-13

Downgrades

Buy

Hold

Reason

Wells Fargo downgraded Oscar Health to Equal Weight from Overweight with a price target of $16, down from $20.

Jefferies

David Windley

Sell

Initiates

$12

2024-12-10

Reason

Jefferies

David Windley

Price Target

$12

2024-12-10

Initiates

Sell

Reason

Jefferies analyst David Windley initiated coverage of Oscar Health with an Underperform rating and $12 price target. The firm says health insurance exchange market growth, Oscar's core business, is "overstimulated" by enhanced subsidies and lax disclosure enforcement, which is beginning to unwind. Given the company's overexposure to subsidy-sensitive states, it will be unable to fully mitigate headwinds with buybacks, the analyst tells investors in a research note.

B of A Securities

Adam Ron

Hold

Sell

Downgrades

$21 → $14

2024-11-06

Reason

B of A Securities

Adam Ron

Price Target

$21 → $14

2024-11-06

Downgrades

Hold

Sell

Reason

UBS

Jonathan Yong

Hold

Initiates

$23

2024-10-07

Reason

UBS

Jonathan Yong

Price Target

$23

2024-10-07

Initiates

Hold

Reason

UBS initiated coverage of Oscar Health with a Neutral rating and $23 price target. The firm sees Oscar Health executing on its growth initiatives, but at a more conservative level, balanced against a valuation that largely captures this, the analyst tells investors in a research note. UBS sees a three-year revenue compound annual growth rate of 15% from 2025-2027, and for 2025 sees revenue of $11.1B and EPS of 59c, but is taking a more conservative view in 2026/2027, with revenue of $11.6B/$13.6B and EPS of $1.03/$1.79.

Piper Sandler

Jessica Tassan

Buy

Reiterates

$28

2024-09-10

Reason

Piper Sandler

Jessica Tassan

Price Target

$28

2024-09-10

Reiterates

Buy

Reason

Piper Sandler

Jessica Tassan

Buy

Maintains

$25 → $28

2024-08-08

Reason

Piper Sandler

Jessica Tassan

Price Target

$25 → $28

2024-08-08

Maintains

Buy

Reason

See All Ratings

Valuation Metrics

The current forward P/E ratio for Oscar Health Inc (OSCR.N) is 17.85, compared to its 5-year average forward P/E of 29.20. 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

29.20

Current PE

17.85

Overvalued PE

95.97

Undervalued PE

-37.56

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

1.43

Current EV/EBITDA

5.54

Overvalued EV/EBITDA

9.32

Undervalued EV/EBITDA

-6.47

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

0.52

Current PS

0.30

Overvalued PS

1.06

Undervalued PS

-0.02