Oscar Health, Inc. — Healthcare Plans. Scored on the same transparent 7-signal model behind the daily rankings.
★
OSCR
Oscar Health, Inc. · Healthcare Plans
FCF$2.8bB
Rev+27.5%A-
D/E0.29B
P/S0.7xA
PEG——
74.5Score
$30.54$9.2B
1Y Target$22.60Analyst consensus · 10 analysts
5Y Target$39.53Compound horizon
10Y Target$100.24Long-dated conviction
FCF$2.8bTTM · 03/26B
FCF $2.8b — solid, comfortably covers operations and capital return · TTM computed from 4 most-recent quarters (TTM · 03/26).
Rev+27.5%FY YoYA-
Revenue +27.5% — strong growth, well above S&P median (~7%) · Computed from last two annual revenue figures (FY YoY).
D/E0.29B
D/E 0.29 — near the Healthcare debt median (≈60th pctile)
P/S0.7xA
P/S 0.7x — cheapest decile in Healthcare (≈10th pctile)
PEG——
PEG not meaningful — earnings growth negative or data unavailable
Forward price target — the 1-year figure is the analyst consensus where the stock is covered; the 5- and 10-year figures compound our earnings estimate from there. The DCF below is a separate cross-check on intrinsic value (what it's worth today), not another target.
Quality-growth score · 74.5
Quality0.42
Growth1.00
Value1.00
Entry · Margin of safety
52-week rangeNear 52-week high
8% off the 12-month high
vs DCF fair value76% belowest. fair value ~$125
What the price assumes: free cash flow compounding at ~-22% a year for the next decade — vs the ~25% a year our model projects from current growth and analyst estimates.
Why now
Healthcare Plans · market cap $9.2b. 8% off the 52-week high of $33.10. Revenue growing +27% — in hypergrowth territory. 10 sell-side analysts rate this a Hold with a mean 1-yr target of $22.60 (implying -26% upside).
Moat
Turnaround / out-of-favor name — GAAP-unprofitable for now, so the durability case is forward-looking: it rests on a recovery (margin normalization, a cyclical upturn or restructuring) or an un-monetized asset (IP / network effects / first-mover position) rather than on current reported results.
Risk
Currently unprofitable (margin -0.3%) — path to GAAP profitability is the core thesis risk. Beta 2.34 implies above-market volatility — position-size to the drawdowns this name will produce in a market correction, not to its bull-case return. ROE -3% is below the long-run sustainable threshold of ~10% — capital efficiency would need to improve for the equity base to compound at the market rate.
Horizon
1-3 yr $22.60 (10-analyst consensus) — catalyst-driven; binary events dominate. 5 yr $39.53 — requires the platform / technology to reach commercial scale. 10 yr $100.24 — return distribution heavily skewed.
Not investment advice. The Bull Rankings publishes a quantitative ranking model and accompanying analysis for general informational purposes only. Nothing on this page is a recommendation to buy, sell, or hold any security; nothing is personalized to your circumstances, risk tolerance, or tax situation. Investing carries the risk of loss — invest at your own risk and consider consulting a licensed financial professional before acting on anything you read here. See terms and methodology for full disclosures.
Score history · OSCR
Trend
0.0 over 15 daily scores
From 74.5 (Jun 22) → 74.5 (now)
One point per daily model run. The range autoscales, so a flat-looking line can still hide 1–2 point moves — read the From → To values for the actual range.
Position sizing · OSCR
$
%
%
Shares to buy
65
Position size
$1,985
4.0% of portfolio
Stop price
$22.91
25% below $30.54
$ at risk if stopped
$496.27
budget $500.00 · 1% of portfolio
Math only — share count is floor(portfolio × risk% ÷ (price × stop%)). Doesn't account for commissions, slippage, gap risk, or position-correlation across your book. Inputs persist locally; never sent to the server. Not investment advice.
Oscar Health, Inc. (OSCR): score, valuation & FAQ
Oscar Health, Inc. (OSCR) is a Healthcare Plans company that scores 74.5 out of 100 on the Bull Rankings quality-growth model — a solid, above-average reading. The score blends three pillars — quality (durable returns, healthy margins, low leverage), growth (revenue and earnings), and value (valuation versus sector peers) — into one number, refreshed daily; it is a screen, not a buy recommendation.
Its strongest graded signals are P/S (A) and Rev (A-). On valuation, OSCR sits about 76% below our discounted-cash-flow fair value (a margin of safety) — the current price implies roughly -22% annual free-cash-flow growth over the next decade.
Is OSCR a good stock to buy?
Bull Rankings scores OSCR 74.5 out of 100 on its quality-growth model, which is a solid, above-average reading. That is driven by P/S (A) and Rev (A-). A score is a quantitative screen of Oscar Health, Inc.'s fundamentals, not personalised financial advice — weigh it against your own time horizon and risk tolerance, and read the risk factors below before acting.
Why does OSCR score 74.5 on Bull Rankings?
The quality-growth score blends three pillars — quality (returns on capital, margins, leverage, earnings quality), growth (revenue and earnings expansion), and value (valuation versus sector peers). OSCR earns its highest marks on P/S (A) and Rev (A-). Each pillar is graded against sector-aware thresholds, then combined into the single 0–100 score.
Is OSCR overvalued or undervalued?
Based on $30.54, OSCR sits about 76% below our discounted-cash-flow fair value (a margin of safety) — the current price implies roughly -22% annual free-cash-flow growth over the next decade. Discounted-cash-flow estimates are sensitive to growth and discount-rate assumptions, so treat this as a cross-check, not a price target.
What are the main risks of investing in OSCR?
Currently unprofitable (margin -0.3%) — path to GAAP profitability is the core thesis risk. Beta 2.34 implies above-market volatility — position-size to the drawdowns this name will produce in a market correction, not to its bull-case return. ROE -3% is below the long-run sustainable threshold of ~10% — capital efficiency would need to improve for the equity base to compound at the market rate.
Bull Rankings is an automated fundamentals screen for research and education. It is not investment advice, and nothing here is a recommendation to buy or sell any security. Do your own research and consider consulting a licensed financial adviser.