Oscar Health Inc (OSCR) Fair Value & Analysis
Healthcare · US · Market cap $8.8B · ISIN US6877931096
What is Oscar Health Inc really worth?
Oscar Health Inc
OSCR · US
Below-average quality, trading 48% below our fair value of $61.86.
Strengths
Risks
Fair value as of: Aug 27, 2026
From 3 valuation models · updated 9 days ago
Fair value updated Aug 27, 2026, revised from $59.22 to $61.86 (+4.5%) since Aug 13, 2026. Share price +6.1% over the past month.
What runs behind every stock
69 individual criteria per stock, every one traceable See the method →
What matters now
- The price is below even our cautious bear case ($40.34). The market is more pessimistic than our downside scenario.
- The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution.
- Solid quality (49/100) at a price below fair value, the discount is the argument here, not the business quality.
- A fairly wide model range ($40.34 to $95.49) leaves room in how you read the outcome.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Aug 27, 2026.
How to read this chart
60‑month range $2.15 – $32.76 · fair‑value band $40.34 – $95.49 · the $32.24 price screens below the $61.86 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Aug 27, 2026.
Analysis
Oscar Health Inc (OSCR) currently trades at $32.24, while our model-based Fair Value estimate is $61.86, implying the stock looks roughly 47.9% undervalued today. The Quality Score stands at 49/100 (below-average quality), in the Healthcare sector. How firm this estimate is: it rests on 7 models at a data quality of 95/100, which puts the evidence level at low.
Over the trailing twelve months, Oscar Health Inc generated revenue of $13.3B at a net margin of −0.3%. Revenue grew 52.6% year over year. It earns a return on equity of −2.6%. The balance sheet holds a net cash position of $2.3B. Fundamentals as of Aug 27, 2026
Our scenario range runs from $40.34 (bear case) to $95.49 (bull case); at $32.24, the current price sits below that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades near its 52-week high and 202% above its 52-week low, currently above its 200-day average. For context, the median of 10 Healthcare peers we cover trades at −26% fair-value upside, at 92%, OSCR screens cheaper than that median.
Fair Value models
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted, family-balanced blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small. Every input is real reported data, nothing guessed.
All 3 models by family
Widest divergence: Growth DCF ($99.48) versus Asset-Based ($2.46). Highest evidence: Growth DCF (73).
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Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Aug 27, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 58 · Market factors (momentum, volatility) 69
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
All values are scores from 0 to 100 (100 = best against fixed, research-based bands), not percentages. The three market factors (momentum, 52-week proximity, low volatility) are displayed but carry zero weight in the headline number: market sentiment is not a business property.
About the company
Oscar Health, Inc. operates as a healthcare technology company in the United States. The company offers health plans to individuals, families, employees, and small group markets.
Full company description
Oscar Health, Inc. operates as a healthcare technology company in the United States. The company offers health plans to individuals, families, employees, and small group markets. It also provides +Oscar platform that power others throughout the healthcare system; Campaign Builder platform, an engagement and recommendation platform for providers and payors; and reinsurance products. In addition, the company offers brokerage services and enrollment platform for brokers and consumers to shop, buy, and enroll in medical and supplemental health products. The company was formerly known as Mulberry Health Inc. and changed its name to Oscar Health, Inc. in January 2021. Oscar Health, Inc. was incorporated in 2012 and is headquartered in New York, New York.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
Oscar Health Inc reported revenue of $11.7B in FY2025 versus $1.9B in FY2021, a compound +57.1%/yr. Reported net income was −$443M in FY2025.
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Recent news
External third-party headlines (Yahoo Finance, Reuters and others), not an editorial selection.
- Is Oscar Health (OSCR) Still Below Fair Value After 3.6x Gains?
- Is Oscar Health (OSCR) Fully Priced Following Raised 2026 Guidance?
- How Strong First-Half Results And Raised Guidance At Oscar Health (OSCR) Have Changed Its Investment Story
Peer Group
Healthcare Plans · 15 stocks
How this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.
Valuation Multiples vs Healthcare Plans median · lower = cheaper
Strength profile in five axes (Snowflake)
Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.
Insider activity: 66/100
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Healthcare Plans stocks, each showing price versus our Fair Value estimate (as of Aug 27, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| UnitedHealth Group UNH | $395.05 | $292.06 | −26% |
| CVS Health Corporation CVS | $93.06 | $42.25 | −55% |
| Elevance Health, Inc ELV | $399.14 | $426.53 | +7% |
| The Cigna Group CI | $276.08 | $495.42 | +79% |
| Humana Inc HUM | $385.54 | $126.42 | −67% |
| Centene Corporation CNC | $64.75 | $111.96 | +73% |
| Molina Healthcare, Inc MOH | $203.06 | $199.31 | −2% |
| Alignment Healthcare, Inc ALHC | $13.52 | $2.37 | −82% |
| Progyny, Inc PGNY | $25.65 | $16.44 | −36% |
| Medi Assist Healthcare Services Limited MEDIASSIST | ₹346.80 | ₹226.12 | −35% |
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