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Upturn AI SWOT - About
Oscar Health Inc (OSCR)
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Upturn Advisory Summary
07/10/2025: OSCR (2-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Number of Analysts
7 Analysts rated it
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $17.49
1 Year Target Price $17.49
| 2 | Strong Buy |
| 1 | Buy |
| 2 | Hold |
| 1 | Sell |
| 1 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 24.72% | Avg. Invested days 27 | Today’s Advisory WEAK BUY |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 07/10/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 3.82B USD | Price to earnings Ratio 38.83 | 1Y Target Price 17.49 |
Price to earnings Ratio 38.83 | 1Y Target Price 17.49 | ||
Volume (30-day avg) 7 | Beta 1.73 | 52 Weeks Range 11.20 - 23.79 | Updated Date 07/11/2025 |
52 Weeks Range 11.20 - 23.79 | Updated Date 07/11/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 0.4 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 1.22% | Operating Margin (TTM) 9.75% |
Management Effectiveness
Return on Assets (TTM) 2.06% | Return on Equity (TTM) 10.48% |
Valuation
Trailing PE 38.83 | Forward PE 22.57 | Enterprise Value 2158403392 | Price to Sales(TTM) 0.38 |
Enterprise Value 2158403392 | Price to Sales(TTM) 0.38 | ||
Enterprise Value to Revenue 0.21 | Enterprise Value to EBITDA - | Shares Outstanding 219163008 | Shares Floating 206414763 |
Shares Outstanding 219163008 | Shares Floating 206414763 | ||
Percent Insiders 4.12 | Percent Institutions 86.78 |
Upturn AI SWOT
Oscar Health Inc
Company Overview
History and Background
Oscar Health Inc. was founded in 2012 by Mario Schlosser, Josh Kushner, and Kevin Nazemi. It aimed to leverage technology to simplify health insurance. Oscar went public in March 2021 and has since focused on expanding its geographical footprint and member base while working towards profitability.
Core Business Areas
- Individual & Family Plans: Oscar offers individual and family health insurance plans, providing coverage for medical, dental, and vision care.
- Small Group Plans: Oscar provides health insurance options for small businesses and their employees.
- Medicare Advantage Plans: Oscar offers Medicare Advantage plans, providing comprehensive coverage for seniors.
- Oscar + Care: Provides virtual and in-person primary care services.
Leadership and Structure
Mark Bertolini serves as the Chief Executive Officer. The organizational structure includes functional departments like marketing, technology, operations, finance, and actuarial. Board consists of experienced individuals from healthcare and technology sectors.
Top Products and Market Share
Key Offerings
- Individual & Family Plans: This is Oscar's main product, targeting individuals and families who do not receive insurance through an employer. Market share information is dynamic; see below in 'Market Share Comparison'. Competitors include UnitedHealth Group, Anthem, and Cigna.
- Medicare Advantage Plans: These plans provide Medicare beneficiaries with comprehensive health coverage. Market share is growing, but remains relatively small. Competitors include UnitedHealth Group, Humana, and CVS Health.
- Oscar + Care: Integrated virtual and in-person primary care with the goal of reducing costs and improving health outcomes. Competitors include Teladoc Health, and Amazon Clinic.
Market Dynamics
Industry Overview
The health insurance industry is highly regulated and competitive, influenced by factors such as healthcare costs, government policies (Affordable Care Act), and technological advancements. Consumer demand for affordable and accessible healthcare is increasing.
Positioning
Oscar Health Inc positions itself as a tech-driven health insurer focused on providing a user-friendly experience and value-based care. Its competitive advantages include a strong technology platform, emphasis on virtual care, and a customer-centric approach.
Total Addressable Market (TAM)
The TAM for health insurance in the US is estimated to be in the trillions of dollars. Oscar Health Inc is positioned to capture a small, but growing, share of this market, focusing on select geographic areas and demographics.
Upturn SWOT Analysis
Strengths
- Technology platform and user-friendly app
- Focus on customer experience
- Partnerships with healthcare providers
- Data-driven approach to care management
Weaknesses
- Lack of profitability
- Limited geographic presence
- Reliance on government subsidies
- High marketing and administrative costs
Opportunities
- Expansion into new markets
- Growth in the Medicare Advantage market
- Partnerships with telehealth providers
- Increased adoption of value-based care models
Threats
- Changes in government regulations (Affordable Care Act)
- Increased competition from established insurers
- Rising healthcare costs
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- UNH
- HUM
- CI
- ANTM
Competitive Landscape
Oscar Health Inc. differentiates itself through its technology-driven approach, but faces intense competition from larger, more established insurers with greater financial resources and wider geographic presence. Key advantages are user experience and technology. Key disadvantages are profitability and market reach.
Growth Trajectory and Initiatives
Historical Growth: Oscar Health Inc. has experienced rapid revenue growth since its founding, driven by expansion into new markets and increased membership. However, profitability has remained a challenge.
Future Projections: Analysts expect Oscar Health Inc. to continue growing its membership and revenue in the coming years, but profitability remains uncertain. The company's success will depend on its ability to manage healthcare costs and improve operational efficiency.
Recent Initiatives: Recent initiatives include expanding its Medicare Advantage footprint, investing in technology and data analytics, and strengthening partnerships with healthcare providers.
Summary
Oscar Health is an innovative company using technology to change the health insurance experience. Although membership has been increasing, the company still struggles to reach profitability and this is crucial for Oscaru2019s survival. Oscar's success depends on improving cost management and operational efficiency, while navigating a highly regulated and competitive market. While innovative, Oscar must become profitable.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings
- Analyst reports
- Industry publications
- Market research reports
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market share data is approximate and subject to change. Future performance is not guaranteed.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Oscar Health Inc
Exchange NYSE | Headquaters New York, NY, United States | ||
IPO Launch date 2021-03-03 | CEO & Director Mr. Mark Thomas Bertolini | ||
Sector Healthcare | Industry Healthcare Plans | Full time employees 2400 | Website https://www.hioscar.com |
Full time employees 2400 | Website https://www.hioscar.com | ||
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. 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.
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