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Upturn AI Summary - About
Oscar Health Inc(OSCR)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for OSCR
11/11/2026: OSCR (5-star) is currently NOT-A-BUY. Pass it for now.
Oscar Health is a technology-driven health insurance company focused on providing a user-centric experience in the individual and small business markets. Its main strength lies in its proprietary, vertically integrated technology stack, which aims to simplify care navigation and reduce administrative costs. The core investment story centers on the company’s ability to scale this tech-first insurance model and expand its B2B platform services to other providers. Risks remain prominent, particularly concerning competitive pressure from large national insurers, regulatory fluctuations, and the need for consistent execution in achieving profitability. The stock may best suit growth-oriented investors willing to tolerate volatility while monitoring progress in margins and platform adoption.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Strong fit | Oscar is in a high-growth phase targeting significant expansion within the ACA and health-tech markets. |
| Momentum investor | Mixed fit | Momentum is highly dependent on sustained positive earnings surprises and market sentiment shifts. |
| Value investor | Weak fit | The company is still working toward consistent profitability, making traditional value metrics less applicable. |
| Dividend investor | Weak fit | Oscar does not pay a dividend and is unlikely to do so in the near future. |
| Low-risk investor | Weak fit | The stock exhibits high volatility and faces significant regulatory and competitive risks. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | High | The stock price is sensitive to regulatory changes and earnings performance. |
| Valuation risk | Medium / high | Current valuations are driven by growth expectations rather than established profit streams. |
| Competition risk (National Insurance Incumbents) | High | Large incumbents have massive scale and capital advantages in pricing and network reach. |
| Business quality | Medium | While the tech platform is strong, the insurance core operates in a low-margin, high-regulation environment. |
| Dividend income | Low / none | Income investors should not expect distributions from this stock. |
| Execution risk | Medium / high | The company must execute perfectly on its expansion and cost-reduction plans to reach profitability. |
Price Behavior
Strong Uptrend
The stock has maintained a strong upward price trend across the last three quarters.
Choppy
The stock has experienced frequent reversals and pronounced short-term price swings.
Analysis of Past Performance
Type Stock | Historic Profit 82.96% | Avg. Invested days 27 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  3.0 | Stock Returns Performance  4.0 |
| Profits based on simulation | Last Close 11/11/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 10.40B USD | Price to earnings Ratio 14.88 | 1Y Target Price 37 |
Price to earnings Ratio 14.88 | 1Y Target Price 37 | ||
Volume (30-day avg) 5.3M shares | Beta 2.49 | 52 Weeks Range 10.69 - 38.50 | Updated Date 11/11/2026 |
52 Weeks Range 10.69 - 38.50 | Updated Date 11/11/2026 | ||
Dividends yield (FY) - | Basic EPS (TTM) 2.25 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Insurance Premiums | Premiums from individuals and small businesses enrolling in Oscar health plans. | Most revenue comes from people and businesses paying for health insurance coverage. |
| +Oscar Platform | Technology and administrative services sold to other healthcare entities. | A secondary revenue stream comes from selling their health-tech software to other companies. |
Earnings Date
Report Date 2026-11-05 | When Before Market | Estimate -0.11 | Actual 0.49 |
Profitability
Profit Margin 4.9% | Operating Margin (TTM) 3.46% |
Management Effectiveness
Return on Assets (TTM) 7.43% | Return on Equity (TTM) 52.62% |
Valuation
Trailing PE 14.88 | Forward PE 588.24 | Enterprise Value 5.95B | Price to Sales(TTM) 0.6 |
Enterprise Value 5.95B | Price to Sales(TTM) 0.6 | ||
Enterprise Value to Revenue 0.34 | Enterprise Value to EBITDA - | Shares Outstanding 275.51M | Shares Floating 265.66M |
Shares Outstanding 275.51M | Shares Floating 265.66M | ||
Percent Insiders 5.12 | Percent Institutions 77.31 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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