Oscar Health, Inc.

NYSE:OSCR Stock Report

Market Cap: US$4.0b

Oscar Health Valuation

Is OSCR undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

3/6

Valuation Score 3/6

  • Below Fair Value

  • Significantly Below Fair Value

  • Price-To-Sales vs Peers

  • Price-To-Sales vs Industry

  • Price-To-Sales vs Fair Ratio

  • Analyst Forecast

Share Price vs Fair Value

What is the Fair Price of OSCR when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Below Fair Value: Insufficient data to calculate OSCR's fair value for valuation analysis.

Significantly Below Fair Value: Insufficient data to calculate OSCR's fair value for valuation analysis.

Key Valuation Metric

Which metric is best to use when looking at relative valuation for OSCR?

Key metric: As OSCR is unprofitable we use its Price-To-Sales Ratio for relative valuation analysis.

The above table shows the Price to Sales ratio for OSCR. This is calculated by dividing OSCR's market cap by their current revenue.
What is OSCR's PS Ratio?
PS Ratio0.4x
SalesUS$10.73b
Market CapUS$4.04b

Price to Sales Ratio vs Peers

How does OSCR's PS Ratio compare to its peers?

The above table shows the PS ratio for OSCR vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyForward PSEstimated GrowthMarket Cap
Peer Average1.2x
FG F&G Annuities & Life
0.9x11.13%US$4.6b
CNO CNO Financial Group
0.8x-0.034%US$3.6b
GNW Genworth Financial
0.5xn/aUS$3.4b
PRI Primerica
2.6x4.34%US$8.5b
OSCR Oscar Health
0.4x4.63%US$4.0b

Price-To-Sales vs Peers: OSCR is good value based on its Price-To-Sales Ratio (0.4x) compared to the peer average (1.2x).

Price to Sales Ratio vs Industry

How does OSCR's PS Ratio compare vs other companies in the US Insurance Industry?

6 CompaniesPrice / SalesEstimated GrowthMarket Cap
GOCO GoHealth
0.1x3.45%US$160.50m
EHTH eHealth
0.2x3.78%US$104.81m
CCG Cheche Group
0.1x8.37%US$64.47m
HUIZ Huize Holding
0.1x8.97%US$22.90m
OSCR 0.4xIndustry Avg. 1.1xNo. of Companies19PS00.81.62.43.24+
6 CompaniesEstimated GrowthMarket Cap
No more companies

Price-To-Sales vs Industry: OSCR is good value based on its Price-To-Sales Ratio (0.4x) compared to the US Insurance industry average (1.1x).

Price to Sales Ratio vs Fair Ratio

What is OSCR's PS Ratio compared to its Fair PS Ratio? This is the expected PS Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

OSCR PS Ratio vs Fair Ratio.
Fair Ratio
Current PS Ratio0.4x
Fair PS Ratio0.7x

Price-To-Sales vs Fair Ratio: OSCR is good value based on its Price-To-Sales Ratio (0.4x) compared to the estimated Fair Price-To-Sales Ratio (0.7x).

Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

The above table shows the analyst OSCR forecast and predictions for the stock price in 12 month’s time.
DateShare PriceAverage 1Y Price TargetDispersionHighLow1Y Actual priceAnalysts
CurrentUS$15.64
US$11.14
-28.75%
16.22%US$14.00US$8.00n/a7
Aug ’26US$13.58
US$11.29
-16.89%
17.54%US$14.00US$8.00n/a7
Jul ’26US$20.45
US$17.49
-14.46%
28.28%US$28.00US$12.00n/a7
Jun ’26US$13.80
US$19.43
+40.81%
29.88%US$28.00US$12.00n/a8
May ’26US$13.05
US$19.36
+48.33%
32.05%US$28.00US$12.00n/a7
Apr ’26US$12.97
US$19.36
+49.25%
32.05%US$28.00US$12.00n/a7
Mar ’26US$14.61
US$19.93
+36.40%
30.36%US$28.00US$12.00n/a7
Feb ’26US$16.60
US$19.36
+16.61%
28.52%US$28.00US$12.00n/a7
Jan ’26US$13.44
US$19.36
+44.03%
28.52%US$28.00US$12.00n/a7
Dec ’25US$17.33
US$20.58
+18.77%
24.31%US$28.00US$13.50n/a6
Nov ’25US$17.65
US$26.17
+48.25%
11.97%US$30.00US$21.00n/a6
Oct ’25US$20.63
US$26.80
+29.91%
11.42%US$30.00US$21.00n/a5
Sep ’25US$18.30
US$26.80
+46.45%
11.42%US$30.00US$21.00n/a5
Aug ’25US$18.06
US$26.20
+45.07%
11.68%US$30.00US$21.00US$13.585
Jul ’25US$15.87
US$25.33
+59.63%
13.42%US$30.00US$21.00US$20.456
Jun ’25US$19.96
US$23.80
+19.24%
11.08%US$28.00US$21.00US$13.805
May ’25US$17.36
US$19.00
+9.45%
9.12%US$20.00US$16.00US$13.054
Apr ’25US$14.69
US$19.00
+29.34%
9.12%US$20.00US$16.00US$12.974
Mar ’25US$16.58
US$18.67
+12.59%
10.10%US$20.00US$16.00US$14.613
Feb ’25US$13.29
US$10.00
-24.76%
16.33%US$12.00US$8.00US$16.603
Jan ’25US$9.15
US$10.00
+9.29%
16.33%US$12.00US$8.00US$13.443
Dec ’24US$8.41
US$9.67
+14.94%
17.58%US$12.00US$8.00US$17.333
Nov ’24US$4.98
US$8.88
+78.21%
20.46%US$12.00US$7.50US$17.654
Oct ’24US$5.57
US$8.60
+54.40%
19.94%US$12.00US$7.50US$20.635
Sep ’24US$6.58
US$8.75
+32.98%
17.69%US$12.00US$7.50US$18.306
Aug ’24US$7.49
US$7.54
+0.69%
30.88%US$12.00US$5.00US$18.066
AnalystConsensusTarget
Consensus Narrative from 7 Analysts
US$11.14
Fair Value
40.4% overvalued intrinsic discount
7
Number of Analysts

Analyst Forecast: Target price is lower than the current share price.

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2025/08/17 15:10
End of Day Share Price 2025/08/15 00:00
Earnings2025/06/30
Annual Earnings2024/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* Example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

Oscar Health, Inc. is covered by 15 analysts. 7 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Hua HaBaird
Andrew MokBarclays
Joanna Sylvia GajukBofA Global Research