Oscar Health, Inc.

NYSE:OSCR Stock Report

Market Cap: US$3.5b

Oscar Health Valuation

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

Valuation Score

0/6

Valuation Score 0/6

  • Below Fair Value

  • Significantly Below Fair Value

  • Price-To-Earnings vs Peers

  • Price-To-Earnings vs Industry

  • Price-To-Earnings 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 profitable we use its Price-To-Earnings Ratio for relative valuation analysis.

The above table shows the Price to Earnings ratio for OSCR. This is calculated by dividing OSCR's market cap by their current earnings.
What is OSCR's PE Ratio?
PE Ratio122.4x
EarningsUS$28.95m
Market CapUS$3.54b

Price to Earnings Ratio vs Peers

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

The above table shows the PE ratio for OSCR vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyForward PEEstimated GrowthMarket Cap
Peer Average20x
CNO CNO Financial Group
14.1x12.4%US$3.9b
GNW Genworth Financial
31.6xn/aUS$3.0b
LNC Lincoln National
21x20.5%US$5.5b
PRI Primerica
13.4x6.1%US$9.2b
OSCR Oscar Health
122.4x68.7%US$3.5b

Price-To-Earnings vs Peers: OSCR is expensive based on its Price-To-Earnings Ratio (122.4x) compared to the peer average (20x).

Price to Earnings Ratio vs Industry

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

3 CompaniesPrice / EarningsEstimated GrowthMarket Cap
UTGN UTG
2.1xn/aUS$93.41m
AORE.F American Overseas Group
2.3xn/aUS$15.74m
CUII China United Insurance Service
0.0003xn/aUS$3.13k
No more companies available in this PE range
OSCR 122.4xIndustry Avg. 13.0xNo. of Companies14PE01020304050+
3 CompaniesEstimated GrowthMarket Cap
No more companies

Price-To-Earnings vs Industry: OSCR is expensive based on its Price-To-Earnings Ratio (122.4x) compared to the US Insurance industry average (13x).

Price to Earnings Ratio vs Fair Ratio

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

OSCR PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio122.4x
Fair PE Ratio22.3x

Price-To-Earnings vs Fair Ratio: OSCR is expensive based on its Price-To-Earnings Ratio (122.4x) compared to the estimated Fair Price-To-Earnings Ratio (22.3x).

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$14.35
US$19.36
+34.9%
28.5%US$28.00US$12.00n/a7
Dec ’25US$17.33
US$20.58
+18.8%
24.3%US$28.00US$13.50n/a6
Nov ’25US$17.65
US$26.17
+48.3%
12.0%US$30.00US$21.00n/a6
Oct ’25US$20.63
US$26.80
+29.9%
11.4%US$30.00US$21.00n/a5
Sep ’25US$18.30
US$26.80
+46.4%
11.4%US$30.00US$21.00n/a5
Aug ’25US$18.06
US$26.20
+45.1%
11.7%US$30.00US$21.00n/a5
Jul ’25US$15.87
US$25.33
+59.6%
13.4%US$30.00US$21.00n/a6
Jun ’25US$19.96
US$23.80
+19.2%
11.1%US$28.00US$21.00n/a5
May ’25US$17.36
US$19.00
+9.4%
9.1%US$20.00US$16.00n/a4
Apr ’25US$14.69
US$19.00
+29.3%
9.1%US$20.00US$16.00n/a4
Mar ’25US$16.58
US$18.67
+12.6%
10.1%US$20.00US$16.00n/a3
Feb ’25US$13.29
US$10.00
-24.8%
16.3%US$12.00US$8.00n/a3
Jan ’25US$9.15
US$10.00
+9.3%
16.3%US$12.00US$8.00US$13.443
Dec ’24US$8.41
US$9.67
+14.9%
17.6%US$12.00US$8.00US$17.333
Nov ’24US$4.98
US$8.88
+78.2%
20.5%US$12.00US$7.50US$17.654
Oct ’24US$5.57
US$8.60
+54.4%
19.9%US$12.00US$7.50US$20.635
Sep ’24US$6.58
US$8.75
+33.0%
17.7%US$12.00US$7.50US$18.306
Aug ’24US$7.49
US$7.54
+0.7%
30.9%US$12.00US$5.00US$18.066
Jul ’24US$8.06
US$7.54
-6.4%
30.9%US$12.00US$5.00US$15.876
Jun ’24US$7.43
US$6.40
-13.9%
19.0%US$8.50US$5.00US$19.966
May ’24US$6.88
US$5.33
-22.5%
20.9%US$6.75US$3.25US$17.366
Apr ’24US$6.54
US$5.33
-18.5%
20.9%US$6.75US$3.25US$14.696
Mar ’24US$5.08
US$5.33
+5.0%
20.9%US$6.75US$3.25US$16.586
Feb ’24US$3.85
US$4.23
+9.7%
33.8%US$7.00US$2.85US$13.296
Jan ’24US$2.46
US$4.23
+71.7%
33.8%US$7.00US$2.85US$9.156

Analyst Forecast: Target price is more than 20% higher than the current share price, but analysts are not within a statistically confident range of agreement.

Discover undervalued companies

7D

1Y

7D

1Y

7D

1Y

Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2025/01/05 09:56
End of Day Share Price 2025/01/03 00:00
Earnings2024/09/30
Annual Earnings2023/12/31

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 here.

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 .

Analyst Sources

Oscar Health, Inc. is covered by 11 analysts. 6 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
Kevin FischbeckBofA Global Research
Adam RonBofA Global Research