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OSCR 
Oscar Health Inc (OSCR)
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Upturn Advisory Summary
11/05/2025: OSCR (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
7 Analysts rated it
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $12.38
1 Year Target Price $12.38
| 2 | Strong Buy |
| 1 | Buy |
| 2 | Hold |
| 1 | Sell |
| 1 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 33.13% | Avg. Invested days 29 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 11/05/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 4.28B USD | Price to earnings Ratio - | 1Y Target Price 12.38 |
Price to earnings Ratio - | 1Y Target Price 12.38 | ||
Volume (30-day avg) 7 | Beta 1.88 | 52 Weeks Range 11.20 - 23.80 | Updated Date 11/7/2025 |
52 Weeks Range 11.20 - 23.80 | Updated Date 11/7/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) -0.99 |
Earnings Date
Report Date 2025-11-06 | When Before Market | Estimate -0.5 | Actual -0.53 |
Profitability
Profit Margin -1.5% | Operating Margin (TTM) -8.05% |
Management Effectiveness
Return on Assets (TTM) -1.42% | Return on Equity (TTM) -13.96% |
Valuation
Trailing PE - | Forward PE 588.24 | Enterprise Value 2686004115 | Price to Sales(TTM) 0.4 |
Enterprise Value 2686004115 | Price to Sales(TTM) 0.4 | ||
Enterprise Value to Revenue 0.25 | Enterprise Value to EBITDA - | Shares Outstanding 223044000 | Shares Floating 210091010 |
Shares Outstanding 223044000 | Shares Floating 210091010 | ||
Percent Insiders 4.03 | Percent Institutions 76.45 |
Upturn AI SWOT
Oscar Health Inc
Company Overview
History and Background
Oscar Health Inc. was founded in 2012 by Mario Schlosser, Kevin Nazemi, and Josh Kushner with the goal of simplifying and improving health insurance using technology. It gained traction as an early adopter of the Affordable Care Act (ACA) marketplaces and expanded to offer individual, family, and small group plans. The company went public in March 2021.
Core Business Areas
- Individual & Family Plans (IFP): Oscar's core business provides health insurance plans to individuals and families primarily through ACA marketplaces and direct enrollment. These plans often include features like telehealth services and personalized care navigation.
- Small Group Plans: Oscar offers health insurance plans to small businesses and their employees, providing coverage options and administrative tools.
- Medicare Advantage: Oscar has expanded into Medicare Advantage plans in select markets, targeting the senior population with integrated health benefits and services.
- Oscar + Platform: Oscar provides its technology platform and services to other healthcare providers and organizations, enabling them to deliver better care and improve operational efficiency. The segments have merged into one, and the other segments are not individually stated anymore.
Leadership and Structure
Mark Bertolini serves as the CEO. The company has a traditional corporate structure with a board of directors overseeing executive management. The organizational structure is designed to support its technology-driven healthcare model.
Top Products and Market Share
Key Offerings
- Individual & Family Health Insurance Plans: Provides health insurance to individuals and families, sold primarily through the ACA exchanges. Oscar has 1,237,205 members as of March 31, 2024. Competition includes UnitedHealth, Centene, and CVS Health (Aetna).
- Oscar + Platform: Oscar offers its tech platform and services to other healthcare providers. Revenue contribution not publicly broken out. Competitors include Accolade, Transcarent, and other healthcare technology companies.
- Medicare Advantage Plans: Health insurance plans for seniors enrolled in Medicare. Competition includes UnitedHealth, Humana, and CVS Health (Aetna).
Market Dynamics
Industry Overview
The health insurance industry is highly regulated and competitive, influenced by government policies, healthcare costs, and technological advancements. The shift towards value-based care and consumer-centric healthcare is driving innovation.
Positioning
Oscar Health Inc. is positioned as a technology-driven health insurer focused on providing user-friendly and personalized health insurance experiences. Its competitive advantage lies in its technology platform, data analytics capabilities, and member engagement strategies.
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 portion of this market by focusing on individual, family, small group, and Medicare Advantage segments. Further expansion into technology platform services also increases TAM.
Upturn SWOT Analysis
Strengths
- Technology-driven platform
- Focus on member experience
- Data analytics capabilities
- Partnerships with providers
- Strong brand recognition among younger demographics
Weaknesses
- History of unprofitability
- High medical loss ratio
- Limited geographic presence
- Dependence on ACA marketplace dynamics
- Smaller size compared to major insurers
Opportunities
- Expansion into new geographic markets
- Growth in Medicare Advantage segment
- Increased adoption of telehealth services
- Strategic partnerships with healthcare providers
- Development of new health insurance products
Threats
- Changes in government regulations (ACA)
- Increasing healthcare costs
- Competition from larger, established insurers
- Economic downturn impacting enrollment
- Cybersecurity risks and data breaches
Competitors and Market Share
Key Competitors
- UNH
- HUM
- CVS
Competitive Landscape
Oscar Health Inc. faces intense competition from larger, well-established health insurers. Its technology-driven approach and focus on member experience differentiate it, but it needs to demonstrate sustainable profitability.
Growth Trajectory and Initiatives
Historical Growth: Oscar experienced rapid membership growth initially, but it has also faced challenges in managing medical costs and achieving profitability.
Future Projections: Analysts project continued revenue growth, driven by expansion into new markets and increasing enrollment in Medicare Advantage. Profitability remains a key focus for the company.
Recent Initiatives: Recent initiatives include expanding the Oscar + Platform, improving cost management through care coordination, and enhancing member engagement through digital health tools.
Summary
Oscar Health Inc. is a tech-driven health insurer aiming to disrupt the industry with its user-friendly platform. It has shown revenue growth and membership gains, but profitability remains a challenge. Managing medical costs and expanding into new markets are crucial for future success. Competition is high, requiring sustained innovation and efficient operations.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company filings (SEC)
- Analyst reports
- Press releases
- Industry publications
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Investment decisions should be based on individual research and consultation with a financial professional. Market share data is estimated and may vary based on source.
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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