Oscar Health stock
OSCRNYSEOscar Health, Inc., HealthcareISIN US6877931096
71Score 71 out of 100, Strong
Price and trend
87 / 100
Price history
+112% in one yearThe chart shows daily closes over 6 years, adjusted for stock splits and without dividends. Click into the chart to set a price alert at that price.
Above the 200-day line: the price is 31% above it.
Since May 2026 the 50-day line has been above the 200-day line; the trend has turned up.
Normal: the price is neither overheated nor sold off (RSI 53).
The price is 9.2% below its 52-week high. Largest decline in 6 years: 94% (March 2021 to December 2022).
Chart figures for advanced users
- SMA 50$32.02
- Average price of the last 50 trading days, shows the short-term trend.
- SMA 200$24.35
- Average price of the last 200 trading days, shows the long-term trend.
- RSI (14)53
- Relative strength over the last 14 days on a scale from 0 to 100. Above 70 the price counts as overheated, below 30 as sharply fallen.
- MACDabove the signal line
- Compares a fast and a slow price average. Above its signal line momentum is rising, below it momentum is fading.
- Support$10.85
- The lowest closing price of the last twelve months.
- Resistance$35.19
- The highest closing price of the last twelve months.
Snapshot
Computed from the data by fixed rules, no AI
- Oscar Health, Inc. belongs to the Medical (Healthcare Plans) industry (United States) and, with a market value of $9.88B, is number 8 of 12 companies in its industry on MEQIRI.
- In fiscal 2025 it reported revenue of $11.7B (up 27.5% year on year) and a loss of $443.15M.
- For fiscal 2026, analysts expect on average revenue of $18.89B (up 61.4%) and adjusted earnings per share of $2.35.
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- MEQIRI Score 71 out of 100 (Strong): rank 120 of 714 in Healthcare, median 53.
- The P/E is 12.9 (Medical (Healthcare Plans) median 23, own median of recent years 122.2).
- Our model puts fair value at $46.35, with the price 31% below it.
In plain words
The numbers on this page in plain words, written by an AI
Strengths
- Growing faster than its industryRevenue up 90.8% a year since 2020, Medical (Healthcare Plans) median 11.9%.Growth 83
- Earnings turn into cashFree cash flow 479% of earnings over the last 12 months.Fundamentals 64
- More cash than debtCash $7.49B, financial debt $432.41M.
Weaknesses
- Volatile share priceVolatility 66% a year over the last 12 months.Stability 43
Its standout strengths are technical analysis and valuation, while stability holds the score back.
Daily figure as of 12 Nov 2026
How the score is calculatedScore overview
Score since yesterday from 72 to 71.
The fundamentals are in the middle range.
Score history
The full history of up to 20 years comes with MEQIRI Pro.
See plansCrash risk high
How well MEQIRI warnsOne of the 30% with the highest crash risk among smaller stocks.
From 2016 to 2025, 36 in 100 such stocks fell 30% or more within a year, against a group average of 23 in 100.
What drives the risk
- high price swings
- price up very strongly over the past year
- high growth grade (crashed more often in the backtest)
What lowers it
- price near its 52-week high
Valuation
Valuation signal
Modestly undervaluedClosing price of 11 Nov 2026, used by the daily score.
In our model the price counts as cheap below $30.90 and expensive above $92.70 (uncertainty very high, based on the price swings of the past year).
The two parts of the fair value come to $35.88 (cash-flow model) and $56.82 (industry comparison), and the gap between them shows how uncertain the estimate is. The price is below both.
Calculated with a cost of equity of 8.8%. At 9.8% the fair value would be $44.61, at 7.8% it would be $48.89.
Valuation metrics
Half from the cash-flow model, half from earnings times the industry P/E (23).
Calculate with your own assumptionsCompany performance
This shows several years of history with an automatic assessment.
Revenue
In the twelve months to 30 Sep 2026, revenue rose 54.8% on the twelve months before. Up to 2020 the bars include businesses that were later spun off or sold. On a comparable basis, as restated in the SEC annual reports, revenue grew 90.8% a year.
Margins
- Gross margin
- Operating margin
- Net margin
In fiscal 2025: gross 14%, operating −3%, net −4%. Last 12 months: net 5%.
Debt & balance sheet
latest quarterDebt is low, but interest coverage is weak. Keep an eye on the interest burden and refinancing.
Earnings
- Next earnings
- 9 Feb 2027in 89 days
- Last reported
- 5 Nov 2026EPS reported $0.49 (expected −$0.14)above expectations
Analyst estimates
Analysts have raised their 2026 earnings estimate by 21.6% since 15 Oct 2026.
- Earnings per share
- $2.35+21.6%
- Revenue
- $18.89B+1.2%
- Earnings per share
- $2.60+8.9%
- Revenue
- $21.16B+1.9%
MEQIRI has stored the estimates since 15 Oct 2026. Until 30 days are available, the card shows the change since that day. Mean estimate according to Financial Modeling Prep. No price target and no recommendation.
Company outlook raised
Share price after the results: −7.3%2026 guidance raised: earnings from operations of $500 million to $700 million (up $250 million) and medical loss ratio of 81.5% to 82.5%, 90 basis points better.
“Based on our first half performance, we are raising our full year earnings from operations guidance to a range of $500 million to $700 million, an increase of $250 million from our prior outlook.”The outlook is not part of the score and not a recommendation to buy or sell.
From the earnings call on 6 Aug 2026 (fiscal Q2 2026), read by AI.
Insiders
Open-market purchases and sales by executives, board members and major holders
No open-market purchases in the last 6 months. 7 insiders sold, $135.15M in total.
Sales say less than purchases: many insiders sell on a fixed plan, for taxes or to diversify.
- Wittman Vanessa AmesSale
18 Sept 2026, Board
- Shares
- 25,000
- Price
- $32.24
- Value
- $806,000
- Liang JanetSale
3 Sept 2026, President, Oscar Insurance
- Shares
- 10,360
- Price
- $31.45
- Value
- $325,822
- Baltrus VictoriaSale
3 Sept 2026, Chief Accounting Officer
- Shares
- 958
- Price
- $31.45
- Value
- $30,129
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- Blackley Richard ScottSale
3 Sept 2026, Chief Financial Officer
- Shares
- 28,869
- Price
- $31.45
- Value
- $907,930
- McAnaney AdamSale
3 Sept 2026, Chief Legal Officer
- Shares
- 9,092
- Price
- $31.45
- Value
- $285,943
- Schlosser MarioSale
3 Sept 2026, Board
- Shares
- 31,422
- Price
- $31.45
- Value
- $988,222
- Schlosser MarioSale
28 Aug 2026, Board
- Shares
- 150,000
- Price
- $30.79
- Value
- $4.62M
- Schlosser MarioSale
27 Aug 2026, Board
- Shares
- 600,000
- Price
- $30.34
- Value
- $18.2M
- Blackley Richard ScottSale
18 Aug 2026, Chief Financial Officer
- Shares
- 18,750
- Price
- $31.74
- Value
- $595,125
- Schlosser MarioSale
1 Jul 2026, Board
- Shares
- 47,500
- Price
- $31.24
- Value
- $1.48M
- Bertolini Mark TSale
30 Jun 2026, Chief Executive Officer
- Shares
- 624,244
- Price
- $28.48
- Value
- $17.78M
- Bertolini Mark TSale
29 Jun 2026, Chief Executive Officer
- Shares
- 614,752
- Price
- $29.26
- Value
- $17.99M
- Bertolini Mark TSale
26 Jun 2026, Chief Executive Officer
- Shares
- 591,168
- Price
- $29.28
- Value
- $17.31M
- Bertolini Mark TSale
25 Jun 2026, Chief Executive Officer
- Shares
- 615,142
- Price
- $28.61
- Value
- $17.6M
- Schlosser MarioSale
23 Jun 2026, Board
- Shares
- 993,705
- Price
- $29.37
- Value
- $29.18M
- Baltrus VictoriaSale
2 Jun 2026, Chief Accounting Officer
- Shares
- 1,523
- Price
- $21.94
- Value
- $33,417
- Schlosser MarioSale
2 Jun 2026, Board
- Shares
- 34,120
- Price
- $21.94
- Value
- $748,633
- McAnaney AdamSale
2 Jun 2026, Chief Legal Officer
- Shares
- 9,859
- Price
- $21.94
- Value
- $216,318
- Liang JanetSale
2 Jun 2026, President, Oscar Insurance
- Shares
- 12,475
- Price
- $21.94
- Value
- $273,716
- Blackley Richard ScottSale
2 Jun 2026, Chief Financial Officer
- Shares
- 31,683
- Price
- $21.94
- Value
- $695,162
- Blackley Richard ScottSale
18 May 2026, Chief Financial Officer
- Shares
- 110,000
- Price
- $25.03
- Value
- $2.75M
- Blackley Richard ScottSale
14 May 2026, Chief Financial Officer
- Shares
- 100,000
- Price
- $23.16
- Value
- $2.32M
Partial trades from one filing are shown in one row, with the average price.
Source: Form 4 filings with the US Securities and Exchange Commission. Grants, option exercises, gifts and tax withholdings are hidden. Not a recommendation to buy.
What happened at Oscar Health
The key events of the last six months from our own data. A click takes you to the matching card.
Sector comparison
714 rated companies in Healthcare
- This company
- 71
- Sector median
- 53
Categories against the sector median
The median is the middle value: half of the companies in the sector lie above it, half below. Categories with too few comparable companies are left out.
Competitors in Medical (Healthcare Plans)
The next larger and next smaller companies by market value
- CignaCI $79.43B66
- HumanaHUM $53.6B63
- CenteneCNC $34.89B54
- Molina HealthcareMOH $10.92B50
- BradsaudeSAUD3.SA $8.69B80
- ProgynyPGNY $2.69B79
- Clover Health InvestmentsCLOV $2.64B52
- Alignment HealthcareALHC $1.61B41
ETFs that hold Oscar Health
Held by 15 ETFs on Xetra. Shown per index: the ETF with the largest weight.
| ETF | Weight | Cost | Fund size |
|---|---|---|---|
| Global X Telemedicine & Digital Health UCITS ETFDDOC | 6.69% | 0.68% | €5.31M |
| iShares Ageing Population UCITS ETF2B77 | 0.55% | 0.40% | €807M |
| Avantis Global Small Cap Value UCITS ETFAVWS | 0.37% | 0.39% | €1.47B |
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| State Street SPDR Russell 2000 U.S. Small Cap UCITS ETF (Acc)ZPRR | 0.27% | 0.30% | €4.22B |
| Xtrackers Russell 2000 UCITS ETF 1CXRS2 | 0.26% | 0.30% | €2.17B |
| L&G Russell 2000 US Small Cap Quality UCITS ETFETLZ | 0.12% | 0.30% | €185.82M |
| iShares MSCI USA Small Cap CTB Enhanced ESG UCITS ETFSXRG | 0.11% | 0.43% | €2.48B |
| State Street SPDR MSCI USA Small Cap Value Weighted UCITS ETFZPRV | 0.10% | 0.30% | €944.34M |
Holdings as reported by the funds via FMP, excluding swap ETFs (their holdings are only collateral).
Data status and sources
- Score
- Daily value of 12 Nov 2026, recalculated nightly
- Price
- Closing price of 12 Nov 2026
- Latest annual report
- Fiscal year 2025, period end 31 Dec 2025
- Source
- Financial statements, ratios and prices from Financial Modeling Prep (FMP), based on the company's reports. MEQIRI calculates the score and fair value from them.
Mandatory disclosures for this rating
- ; time horizon around 12 months
- Rated Strong since 10 Nov 2026, previously Neutral
- Valuation signal Fairly valued since 12 Nov 2026, previously Undervalued
- End-of-day prices, metrics cached for up to 24 hours
- Score and fair value are estimates from a disclosed model. They are not facts and not a price target.
- Produced by SSM Ventures UG (haftungsbeschränkt), responsible person Sven Brostmeyer, Managing Director, automatically according to the disclosed model.
- Not investment advice. Losses up to and including a total loss are possible. Personal circumstances are not considered.