# Oscar Health Inc. (OSCR) fundamentals

Data as of 2026-11-04. NYSE, United States. Sector: Healthcare / Health Care Providers. Price $32.41, market value $10.0 billion.

## Valuation
- **P/E (trailing): 25.1×** (5-yr avg 134.4×, 3-yr avg 134.4×). Oscar Health Inc. trades at 25.1× trailing earnings, well below its own five-year average of 134.4×: cheap by its own standards. The Healthcare median in the September 2026 study was 28.5×. Forward P/E is 14.6×, lower than trailing, so analysts expect earnings to grow.
- **Price / sales: 2.0×**. Each dollar of revenue is priced at 2.0×.
- **Price / book: 4.9×**. The shares trade at 4.9× book value; book value is a meaningful part of the valuation.
- **EV / EBITDA: 11.6×**. Enterprise value is 11.6× operating earnings before depreciation, the multiple that ignores how the company is financed.
- **Free-cash-flow yield: 43.8%** (5-yr avg 18.5%). Free cash flow equals 43.8% of the market value, above its five-year average of 18.5%, so the shares are cheaper on cash than they have usually been. Above 5% is generally attractive.
- **Earnings yield: 4.0%**. The inverse of the P/E: 4.0% of the price is earned each year.

## Profitability
- **Operating margin: 12.8%**. 12.8% of revenue is left after running the business.
- **Return on equity: -45.3%**. Return on equity is negative because earnings are negative.
- **Return on invested capital: -36.4%**. Return on all capital, debt included, is -36.4%: close to or below the cost of capital, so growth may not create value.
- **Return on assets: 8.7%**. Each dollar of assets produces 8.7% of profit.

## Growth
- **Revenue growth (1 yr): 39.0%** (3-yr -23.9%/yr). Revenue grew 39.0% over the last year.
- **EPS growth (1 yr): -1790.0%**. Earnings per share fell 1790.0%, slower than revenue, so margins compressed.
- **Free-cash-flow growth (3 yr): 44.4%/yr**. Free cash flow has compounded at 44.4% a year over three years.

## Financial health
- **Debt to equity: 0.44**. Debt is 0.44 times equity: a conservative balance sheet.
- **Net debt / EBITDA: net cash**. Oscar Health Inc. holds more cash than debt.
- **Current ratio: 0.95** (quick 0.95). Current liabilities exceed current assets, so the company depends on ongoing cash generation or refinancing to pay the next year's bills.
- **Altman Z-score: 1.09**. A Z-score of 1.09 is in the distress zone, a signal to examine the balance sheet closely.
- **Piotroski F-score: 5/9**. 5 of 9 checks pass: mixed.

## Dividends
- **Dividend: none**. Oscar Health Inc. does not currently pay a dividend.

## Analyst view
- **Analyst consensus: hold** (10 analysts). 10 analysts cover Oscar Health Inc.; the consensus is hold, with an average price target of $36.40 (+12% from the current price). Analyst opinion is shown for context; it is not part of the Fundamental Score.

## Price and momentum
- **Total return (1 yr): 72.2%** (YTD 115.7%, 3-mo 0.8%). The shares are up 72.2% over twelve months including dividends.
- **From 52-week high: -7.4%** (203.2% above the low). Trading 7% below its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 46**. An RSI of 46 is neutral.
- **Beta (1 yr): 1.44** (volatility 67%). Beta of 1.44 against the S&P 500: the shares move much more than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=OSCR · Page: https://foliofundamentals.com/stocks/oscr

Not investment advice.