Oscar Health, Inc. (OSCR)
Oscar Health, Inc. is a technology-focused health insurance company offering a range of plans and services. The company leverages its proprietary technology platform to improve member engagement and streamline healthcare delivery.
Company Overview
Oscar Health is revolutionizing healthcare with its tech-driven insurance platform, offering Individual & Family, Small Group, and Medicare Advantage plans. Focused on member engagement and efficient healthcare delivery, Oscar Health is poised to capitalize on the growing demand for innovative health solutions.
Investment Thesis
Oscar Health presents a compelling investment opportunity due to its innovative technology platform and focus on member engagement in the rapidly evolving healthcare landscape. The company's +Oscar platform differentiates it from traditional insurers, offering a more personalized and efficient healthcare experience. With a market capitalization of $3.13 billion, Oscar Health has significant growth potential as it expands its market share in the Individual & Family, Small Group, and Medicare Advantage segments. Key value drivers include increasing membership, improving operational efficiency through technology, and strategic partnerships with healthcare providers. While currently operating with a negative profit margin of -2.2%, the company's focus on leveraging technology to reduce costs and improve member outcomes positions it for long-term profitability. Upcoming catalysts include continued expansion into new markets and further development of the +Oscar platform.
Key Highlights
- Market capitalization of $3.13 billion reflects investor confidence in Oscar Health's growth potential.
- Gross margin of 100.0% indicates efficient management of healthcare costs.
- Beta of 1.90 suggests higher volatility compared to the market, reflecting the growth stage of the company.
- Offers Individual & Family, Small Group, and Medicare Advantage plans, diversifying its revenue streams.
- Technology-driven platform +Oscar enhances member engagement and streamlines healthcare delivery, differentiating it from traditional insurers.
Competitors
Strengths
- Innovative technology platform (+Oscar).
- Strong focus on member engagement.
- Data-driven insights for efficient healthcare delivery.
- Diverse product offerings (Individual & Family, Small Group, Medicare Advantage).
Weaknesses
- Negative profit margin.
- Relatively new company compared to established insurers.
- High beta indicates higher volatility.
- Limited geographic presence compared to national players.
Catalysts
- Upcoming: Continued expansion into new geographic markets will drive membership growth.
- Ongoing: Further development and enhancement of the +Oscar platform will improve member engagement and reduce costs.
- Ongoing: Strategic partnerships with healthcare providers will lead to integrated care solutions and increased referrals.
- Ongoing: Growth in the Medicare Advantage market will increase revenue and market share.
Risks
- Potential: Intense competition from established insurers could limit market share gains.
- Potential: Regulatory changes in the healthcare industry could impact profitability.
- Ongoing: Rising healthcare costs could put pressure on margins.
- Potential: Data breaches and security vulnerabilities could damage reputation and member trust.
- Ongoing: The company's negative profit margin poses a risk to long-term sustainability.
Growth Opportunities
- Expansion into New Geographic Markets: Oscar Health has the opportunity to expand its geographic footprint by entering new states and metropolitan areas. The market for health insurance is vast, with significant unmet needs in underserved regions. By strategically targeting new markets, Oscar Health can increase its membership base and revenue streams. This expansion can be achieved through organic growth or strategic acquisitions. The timeline for this growth opportunity is ongoing, with potential for significant impact over the next 3-5 years.
- Enhancement of the +Oscar Platform: Continued investment in the +Oscar platform will drive further innovation and differentiation. By adding new features and functionalities, such as telehealth integration and personalized health recommendations, Oscar Health can enhance member engagement and improve health outcomes. This ongoing development will also attract new members and strengthen the company's competitive advantage. The market for digital health solutions is rapidly growing, presenting a significant opportunity for Oscar Health.
- Strategic Partnerships with Healthcare Providers: Collaborating with healthcare providers to offer integrated care solutions can improve member experience and reduce costs. By partnering with hospitals, physician groups, and other healthcare organizations, Oscar Health can create a seamless and coordinated care delivery system. These partnerships can also lead to increased referrals and membership growth. The timeline for establishing these partnerships is ongoing, with potential for significant impact over the next 2-3 years.
- Growth in Medicare Advantage Market: The Medicare Advantage market is experiencing rapid growth, driven by the aging population and increasing demand for comprehensive healthcare coverage. Oscar Health is well-positioned to capitalize on this trend by expanding its Medicare Advantage offerings and attracting new members. The company's technology-driven platform and focus on member engagement can differentiate it from competitors in this market. The timeline for this growth opportunity is ongoing, with potential for significant impact over the next 3-5 years.
- Development of Reinsurance Products: Oscar Health has the opportunity to expand its reinsurance products. By offering reinsurance solutions, Oscar Health can diversify its revenue streams and leverage its expertise in risk management. The market for reinsurance is large and growing, presenting a significant opportunity for Oscar Health. The timeline for this growth opportunity is ongoing, with potential for significant impact over the next 3-5 years.
Opportunities
- Expansion into new geographic markets.
- Growth in the Medicare Advantage market.
- Strategic partnerships with healthcare providers.
- Further development of the +Oscar platform.
Threats
- Intense competition from established insurers.
- Regulatory changes in the healthcare industry.
- Rising healthcare costs.
- Potential for data breaches and security vulnerabilities.
Competitive Advantages
- Proprietary technology platform (+Oscar) provides a competitive advantage.
- Focus on member engagement and personalized healthcare experience.
- Data-driven insights enable efficient healthcare delivery and cost management.
- Brand recognition and reputation for innovation in the health insurance market.
About
Oscar Health, Inc., founded in 2012, is a health insurance company driven by technology with the mission to provide accessible and user-friendly healthcare. Recognizing the complexities and inefficiencies within the traditional healthcare system, the founders aimed to create a seamless and personalized experience for members. Oscar Health offers a variety of health insurance plans, including Individual & Family, Small Group, and Medicare Advantage, catering to diverse needs across different demographics. The company's core differentiator lies in its proprietary technology platform, +Oscar, which is designed to enhance member engagement, streamline administrative processes, and empower healthcare providers. +Oscar provides tools and resources for members to easily access care, manage their health, and connect with providers. Furthermore, the platform offers solutions for providers and payor clients to improve patient engagement and optimize healthcare delivery. While primarily focused on the United States market, Oscar Health continues to explore opportunities to expand its reach and impact within the healthcare industry. The company rebranded from Mulberry Health Inc. to Oscar Health, Inc. in January 2021, marking a significant step in its evolution as a leading innovator in the health insurance space.
What They Do
- Offers Individual & Family health insurance plans.
- Provides Small Group health insurance plans for businesses.
- Administers Medicare Advantage plans for eligible individuals.
- Develops and operates the +Oscar technology platform.
- Offers tools for members to manage their health and access care.
- Provides solutions for providers to engage with patients.
- Offers reinsurance products.
Business Model
- Generates revenue through premiums from health insurance plans.
- Leverages technology to improve operational efficiency and reduce costs.
- Partners with healthcare providers to deliver coordinated care.
- Offers reinsurance products to diversify revenue streams.
Industry Context
The healthcare industry is undergoing a significant transformation, driven by increasing demand for personalized and accessible healthcare solutions. The market for health insurance plans is highly competitive, with established players and emerging disruptors vying for market share. Oscar Health is positioned as a technology-driven innovator within this landscape, leveraging its +Oscar platform to differentiate itself from traditional insurers. The industry is also experiencing a growing trend towards value-based care, which emphasizes quality and outcomes over volume. Oscar Health's focus on member engagement and data-driven insights aligns with this trend, positioning it for long-term success. Competitors include established players like ACLX and ALHC, as well as emerging companies focused on specific segments of the market.
Key Customers
- Individuals and families seeking health insurance coverage.
- Small businesses looking to provide health benefits to their employees.
- Individuals eligible for Medicare Advantage plans.
- Healthcare providers seeking to improve patient engagement.
Financials
Recent Quarterly Results
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q4 2025 | $2.81B | -$353M | $-1.24 |
| Q3 2025 | $2.99B | -$137M | $-0.53 |
| Q2 2025 | $2.86B | -$228M | $-0.85 |
| Q1 2025 | $3.05B | $275M | $0.90 |
Source: Company filings
Chart & Info
Price Chart
Oscar Health, Inc. (OSCR) stock price: $16.57 (+1.60, +10.69%)
Why Bull
- •Oscar Health's recent insider buying suggests strong confidence from within, signaling potential future growth.
- •The community sentiment leans bullish, indicating a positive outlook on Oscar's ability to disrupt the healthcare space.
- •Market perception sees Oscar as an innovative player, potentially attracting more members and expanding its market share.
- •Recent developments suggest Oscar is making strides in partnerships and expanding its service offerings, which could boost revenue.
Why Bear
- •Despite bullish sentiment, some community members express concerns about Oscar's profitability and high operating costs.
- •Market perception acknowledges the competitive landscape, with established players posing a significant threat to Oscar's growth.
- •Recent insider activity, while mostly positive, shows some selling, potentially indicating short-term concerns.
- •Developments highlight the challenges in navigating regulatory hurdles and achieving sustainable profitability in the health insurance sector.
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Technical Analysis
Rationale
AI-generated technical analysis for OSCR including trend direction, momentum, and pattern recognition.
What to Watch
Key support and resistance levels, volume signals, and upcoming events.
Risk Management
Position sizing, stop-loss levels, and risk-reward assessment.
Community
Discussion
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Sentiment
Community sentiment and discussion activity for OSCR.
Make a Prediction
Set your price target for Oscar Health, Inc. (OSCR), choose a timeframe, and track your prediction accuracy.
Current price: $16.57
Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for OSCR.
Price Targets
Wall Street price target analysis for OSCR.
Insider Flow (30d)
MoonshotScore
Score Factors
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Revenue Growth 6/100
Revenue increased 27.5% YoY, reflecting moderate but steady business growth.
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Gross Margin 3/100
Gross margin of 14.4% is below average, suggesting thin margins and potential pricing pressure.
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Operating Leverage 6/100
Revenue growth is driving operating leverage, meaning profits can grow faster than costs.
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Cash Runway 5/100
Cash position data is currently unavailable for this company.
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R&D Intensity 5/100
R&D spending data is currently unavailable for this company.
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Insider Activity 6/100
No significant insider buying or selling recently, which is neutral for the stock outlook.
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Short Interest 5/100
Float and volume data unavailable for liquidity analysis.
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Price Momentum 0/100
No bullish technical signals detected. The stock lacks upward price momentum currently.
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News Sentiment 5/100
No sentiment data available
What does this score mean?
The MoonshotScore rates OSCR's growth potential on a scale of 0-100 across multiple factors including innovation, market disruption, financial health, and momentum.
Competitors & Peers
Frequently Asked Questions
What does Oscar Health, Inc. do?
Oscar Health, Inc. operates as a health insurance company, offering a range of plans including Individual & Family, Small Group, and Medicare Advantage. The company's core differentiator is its technology-driven platform, +Oscar, which aims to improve member engagement and streamline healthcare delivery. Through +Oscar, members can easily access care, manage their health, and connect with providers. The company focuses on leveraging data and technology to provide a personalized and efficient healthcare experience, setting it apart from traditional insurers. Oscar Health also offers reinsurance products, further diversifying its offerings within the healthcare industry.
Is OSCR stock a good buy?
OSCR stock presents a mixed investment profile. While the company boasts a strong technology platform and a focus on member engagement, it currently operates with a negative profit margin. The potential for growth in the Medicare Advantage market and through geographic expansion is significant, but the company faces intense competition and regulatory risks. Investors should carefully consider the company's growth potential, its ability to achieve profitability, and the overall market conditions before making an investment decision. Monitoring key metrics such as membership growth, cost management, and +Oscar platform adoption is crucial for assessing the long-term viability of OSCR stock.
What are the main risks for OSCR?
Oscar Health faces several key risks, including intense competition from established insurers, regulatory changes in the healthcare industry, and rising healthcare costs. The company's negative profit margin poses a significant risk to its long-term sustainability, requiring effective cost management and revenue growth strategies. Data breaches and security vulnerabilities could also damage the company's reputation and erode member trust. Furthermore, the company's reliance on its technology platform introduces the risk of technological obsolescence and the need for continuous innovation to maintain its competitive edge. Investors should carefully assess these risks before investing in OSCR stock.
Is OSCR a good stock to buy?
Whether OSCR is a good investment depends on your financial goals, risk tolerance, and investment horizon. Key factors to evaluate include the company's revenue growth trajectory, profit margins, debt-to-equity ratio, competitive moat, and valuation multiples (P/E, P/S, EV/EBITDA) relative to industry peers. Our AI-generated Investment Thesis and SWOT analysis on this page provide a data-driven starting point. Always do your own research and consider consulting a financial advisor before making investment decisions.
What is the OSCR MoonshotScore?
The MoonshotScore for OSCR is an AI-powered rating from 0 to 100 that evaluates a stock across four dimensions: growth potential (revenue and earnings trajectory), financial health (balance sheet strength, cash flow), market momentum (price trends, volume patterns, institutional flows), and risk factors (volatility, debt levels, sector headwinds). Scores above 70 indicate strong potential, 50-70 moderate, and below 50 suggests caution. The score is recalculated daily using the latest financial data and market signals.
How often is OSCR data updated?
OSCR stock prices are updated in real-time during U.S. market hours (9:30 AM - 4:00 PM ET, Monday through Friday). After-hours and pre-market prices are also tracked. Company fundamentals (earnings, revenue, balance sheet) are refreshed when new quarterly or annual reports are filed. Analyst ratings, price targets, and AI-generated insights are updated daily. Breaking news related to OSCR is aggregated continuously from premium financial news sources throughout the day.
What are the growth catalysts for OSCR?
Growth catalysts for Oscar Health, Inc. (OSCR) can include several categories: product catalysts (new launches, FDA approvals, patent grants), financial catalysts (earnings beats, margin expansion, share buybacks), strategic catalysts (acquisitions, partnerships, market expansion into new regions), and macro catalysts (favorable regulation, industry tailwinds, secular growth trends). Our AI analyzes Oscar Health, Inc.'s specific catalysts using earnings transcripts, SEC filings, and news sentiment to identify the most impactful near-term and long-term drivers.
Who are OSCR's main competitors?
Oscar Health, Inc. (OSCR) competes with companies in its industry that target similar customers, markets, or product categories. Competitor analysis involves comparing key metrics: market share, revenue growth rates, profit margins, R&D spending, and valuation multiples. Understanding competitive positioning helps investors assess whether OSCR has a sustainable competitive advantage (moat) through brand strength, network effects, cost leadership, or switching costs. Our Competitors section provides a side-by-side comparison with relevant peers.
What do analysts say about OSCR?
Wall Street analyst coverage for OSCR includes consensus ratings (buy, hold, or sell), 12-month price targets, and earnings estimates. Analyst opinions are aggregated from major investment banks and research firms. Key metrics to watch include the consensus price target (average, high, and low estimates), the number of analysts covering the stock, any recent rating changes (upgrades or downgrades), and how actual earnings compare to analyst estimates (beat or miss history). Our platform aggregates these from multiple data providers for a comprehensive view.
What is OSCR's market cap?
Market capitalization (market cap) for OSCR is calculated by multiplying the current share price by the total number of outstanding shares. It represents the market's total valuation of the company. Stocks are typically categorized as mega-cap ($200B+), large-cap ($10B-$200B), mid-cap ($2B-$10B), small-cap ($300M-$2B), or micro-cap (under $300M). Market cap influences index inclusion, institutional ownership eligibility, and risk profile. Our Key Statistics section shows OSCR's current market cap alongside enterprise value and other valuation metrics.
How has OSCR stock performed recently?
OSCR's recent stock performance can be evaluated across multiple timeframes: daily price changes, week-over-week momentum, monthly trends, and year-to-date returns. Important performance indicators include the stock's 52-week high and low, moving averages (50-day and 200-day SMA), relative strength index (RSI), and volume trends. Comparing OSCR's performance against its sector index and the S&P 500 provides context on whether it is outperforming or underperforming the broader market.
What are the risks of investing in OSCR?
Key risk categories for OSCR include: market risk (overall market downturns affecting stock prices), company-specific risk (management changes, product failures, competitive threats), financial risk (high debt levels, cash burn, dilution from stock issuance), regulatory risk (government policy changes, lawsuits, compliance issues), and macroeconomic risk (interest rate changes, inflation, currency fluctuations). Beta measures OSCR's volatility relative to the market - a beta above 1.0 means higher volatility than the S&P 500. Our AI-generated risk assessment identifies the most relevant risk factors for this specific stock.
Are insiders buying or selling OSCR?
Insider trading activity for OSCR tracks purchases and sales by company executives, directors, and major shareholders (10%+ owners) as reported in SEC Form 4 filings. Insider buying is generally considered a bullish signal because insiders have the deepest knowledge of company operations, while selling may have various motivations (diversification, tax planning, pre-planned 10b5-1 trading plans). Key metrics include the buy-to-sell ratio, total dollar value of insider transactions, and whether multiple insiders are trading in the same direction. Our Insider Flow tab shows recent transactions with dates and dollar amounts.
Is OSCR a good stock for beginners?
Oscar Health, Inc. (OSCR) can be suitable for beginner investors depending on several factors. Look at the MoonshotScore on this page for an overall AI-powered assessment of growth potential and risk. Beginners should also check the company's market cap (larger companies tend to be less volatile), gross margin (higher margins mean stronger business fundamentals), and cash position (healthy cash reduces bankruptcy risk). Always start with a small position size and never invest money you cannot afford to lose.
How risky is OSCR for first-time investors?
Every stock carries risk, including Oscar Health, Inc. (OSCR). First-time investors should review the Risk Factors section on this page for company-specific risks. Key risk indicators include price volatility (check the chart for daily swings), insider selling activity (see Insider Flow tab), and cash runway (see MoonshotScore breakdown). A diversified portfolio with an index fund like the S&P 500 as a core holding is generally recommended before adding individual stocks like OSCR.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Data provided for informational purposes only.
- Information is based on available data and may be subject to change.
- Investment decisions should be based on thorough research and consultation with a financial advisor.