Oscar Health, Inc.
Oscar Health, Inc. Fundamental Analysis
Oscar Health, Inc. (OSCR) shows moderate financial fundamentals with a PE ratio of -172.59, profit margin of -0.30%, and ROE of -3.27%. The company generates $11.6B in annual revenue with strong year-over-year growth of 27.50%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 53.4/100 based on profitability, valuation, growth, and balance sheet metrics. The C grade reflects average fundamentals, with notable risks in certain areas.
Fundamental Health Score
We analyze OSCR's fundamental strength across five key dimensions:
Efficiency Score
WeakOSCR struggles to generate sufficient returns from assets.
Valuation Score
ExcellentOSCR trades at attractive valuation levels.
Growth Score
ModerateOSCR shows steady but slowing expansion.
Financial Health Score
ExcellentOSCR maintains a strong and stable balance sheet.
Profitability Score
WeakOSCR struggles to sustain strong margins.
Key Financial Metrics
Is OSCR Expensive or Cheap?
P/E Ratio
OSCR trades at -172.59 times earnings. This suggests potential undervaluation.
PEG Ratio
When adjusting for growth, OSCR's PEG of 1.25 indicates fair valuation.
Price to Book
The market values Oscar Health, Inc. at 4.09 times its book value. This suggests the stock is fully valued or overvalued on an asset basis.
EV/EBITDA
Enterprise value stands at 535.12 times EBITDA. This signals the market has high growth expectations.
How Well Does OSCR Make Money?
Net Profit Margin
For every $100 in sales, Oscar Health, Inc. keeps $-0.30 as profit after all expenses.
Operating Margin
Core operations generate 0.08 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $-3.27 in profit for every $100 of shareholder equity.
ROA
Oscar Health, Inc. generates $-0.42 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
Oscar Health, Inc. produces operating cash flow of $2.47B, showing steady but balanced cash generation.
Free Cash Flow
Oscar Health, Inc. generates strong free cash flow of $2.43B, providing ample flexibility for dividends, buybacks, or growth.
FCF Per Share
Each share generates $9.39 in free cash annually.
FCF Yield
OSCR converts 46.78% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
-172.59
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
1.25
vs 25 benchmark
P/B Ratio
Price to book value ratio
4.09
vs 25 benchmark
P/S Ratio
Price to sales ratio
0.44
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.26
vs 25 benchmark
Current Ratio
Current assets to current liabilities
1.09
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
-0.03
vs 25 benchmark
ROA
Return on assets percentage
-0.00
vs 25 benchmark
ROCE
Return on capital employed
0.005
vs 25 benchmark
How OSCR Stacks Against Its Sector Peers
| Metric | OSCR Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | -172.59 | 28.62 | Better (Cheaper) |
| ROE | -3.27% | 788.00% | Weak |
| Net Margin | -0.30% | -48085.00% (disorted) | Weak |
| Debt/Equity | 0.26 | 0.39 | Strong (Low Leverage) |
| Current Ratio | 1.09 | 4.11 | Neutral |
| ROA | -0.42% | -21875.00% (disorted) | Weak |
OSCR outperforms its industry in 2 out of 6 key metrics, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews Oscar Health, Inc.'s 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
1709.93%
Industry Style: Defensive, Growth, Innovation
High GrowthEPS CAGR
0.65%
Industry Style: Defensive, Growth, Innovation
GrowingFCF CAGR
348.32%
Industry Style: Defensive, Growth, Innovation
High Growth