Oscar Health, Inc.

NYSE:OSCR Stock Report

Market Cap: US$3.9b

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 Ratio143.7x
EarningsUS$28.95m
Market CapUS$3.95b

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 Average20.5x
CNO CNO Financial Group
15.2x12.4%US$4.1b
GNW Genworth Financial
35.2xn/aUS$3.3b
GL Globe Life
8.6x3.7%US$9.3b
LNC Lincoln National
23.2x19.2%US$6.0b
OSCR Oscar Health
143.7x68.7%US$3.9b

Price-To-Earnings vs Peers: OSCR is expensive based on its Price-To-Earnings Ratio (143.7x) compared to the peer average (20.5x).

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
2xn/aUS$89.08m
AORE.F American Overseas Group
2.1xn/aUS$16.68m
CUII China United Insurance Service
0.0003xn/aUS$3.13k
No more companies available in this PE range
OSCR 143.7xIndustry Avg. 13.7xNo. of Companies15PE01020304050+
3 CompaniesEstimated GrowthMarket Cap
No more companies

Price-To-Earnings vs Industry: OSCR is expensive based on its Price-To-Earnings Ratio (143.7x) compared to the US Insurance industry average (13.7x).

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 Ratio143.7x
Fair PE Ratio22.7x

Price-To-Earnings vs Fair Ratio: OSCR is expensive based on its Price-To-Earnings Ratio (143.7x) compared to the estimated Fair Price-To-Earnings Ratio (22.7x).

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$16.85
US$20.58
+22.2%
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$8.00n/a3
Dec ’24US$8.41
US$9.67
+14.9%
17.6%US$12.00US$8.00n/a3
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
Dec ’23US$2.91
US$4.25
+46.0%
33.1%US$7.00US$3.00US$8.416
Nov ’23US$3.76
US$7.92
+110.5%
11.8%US$9.00US$6.00US$4.986

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

China Life Insurance

HK$796.1b

Operates as a life insurance company in the People’s Republic of China.

LFCH.Y

HK$6.21

7D

3.0%

1Y

-30.1%

Sagicor Financial

CA$872.8m

Provides insurance products and related financial services in Jamaica, Barbados, Trinidad, Tobago, other Caribbean region, and the United States.

SGCF.F

CA$4.46

7D

0%

1Y

n/a

Aviva

UK£12.9b

Provides various insurance, retirement, investment, and savings products in the United Kingdom, Ireland, Canada, and internationally.

AVVI.Y

UK£12.34

7D

-1.2%

1Y

12.5%