Stocks · Healthcare · Medical - Healthcare Plans
Oscar Health, Inc. OSCR
$32.42 +4.78% Close, Oct 5, 2026 · NYSE · Market cap $8.02B
Strong growthHigh qualityStrong trendInexpensive vs sectorLow risk
Next earnings report: Nov 9, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- The diluted share count rose 23.4% in a year.
- Revenue over the last four quarters was $15.32B, up 42.8% from a year earlier, accelerating from 31.9% a quarter earlier.
- The stock is in an uptrend: above its 200-day average for 117 trading days, with the 50-day average above the 200-day.
PromtFinance scores
Each score is a percentile within the Healthcare sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 6, 2026.
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Top 19%
- FCF growth (TTM, YoY)Top 5%
- Revenue growth, 3-year CAGRTop 16%
- Revenue growth accelerationTop 13%
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalTop 4%
- Gross marginBottom 30%
- Operating marginTop 36%
- Cash conversion (OCF / net income)Top 10%
- Accruals (lower is better)Top 6%
- Net debt / EBITDA (lower is better)Top 5%
- Interest coverTop 6%
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldTop 12%
- Free-cash-flow yieldTop 1%
- EBITDA / enterprise valueTop 5%
- Sales / enterprise valueTop 2%
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthTop 26%
- 6-month returnTop 3%
- 1-year return vs S&P 500Top 22%
- Distance from 52-week highTop 10%
- Trend checklist (0–4)Top 10%
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersTop 12%
- Consecutive EPS beatsTop 35%
- Share of analysts rating BuyBottom 4%
- Upside to consensus price targetBottom 16%
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Bottom 48%
- Maximum drawdown, 3 yearsTop 27%
- Beta vs S&P 500 (lower is better)Top 31%
- Net debt / EBITDA (lower is better)Top 5%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 31.9% | 42.8% | ↑ |
| Gross margin | 35.9% | 44.9% | ↑ |
| Operating margin | -1.2% | 4.1% | ↑ |
| FCF margin | 11.2% | 28.3% | ↑ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | 42.8% | 31.9% | ↑ | Top 19% |
| Gross margin | 44.9% | 35.9% | ↑ | Bottom 30% |
| Operating margin | 4.1% | -1.2% | ↑ | Top 36% |
| Net margin | 3.6% | -1.5% | ↑ | — |
| Free-cash-flow margin | 28.3% | 11.2% | ↑ | — |
| Return on invested capital | 23.0% | — | Top 4% | |
| Revenue growth, 3-year CAGR | 41.6% | — | Top 16% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 3.00×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- -34.1%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 0.5%
- Receivables growth vs revenue growthReceivables growing much faster than sales can be a warning.
- -91.9 pp
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- -5.75×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 39.4×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 0.00%
- Net buyback yield (TTM)
- -0.32%
- Shareholder yield
- -0.32%
- Share count change, 1 year
- +23.4%
- Share count change, 3-year CAGR
- +15.0%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 7, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 2
- Beats in the last 8 reports
- 5 of 8
- Average EPS surprise, last 4
- +53.3%
- Average 2-day reaction, last 8
- +1.3%
- Positive 20 days after report
- 7 of 8
Analysts
- Consensus price target
- $34.00
- Target vs current price
- +4.9%
- Analysts with a rating
- 13
- Share rating Buy or Strong Buy
- 31%
- Consensus rating
- Hold
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Aug 6, 2026 | +173.0% | -11.9% | -1.7% | +0.7% | — |
| May 6, 2026 | +71.1% | +10.6% | +32.3% | +14.3% | +74.0% |
| Feb 10, 2026 | -34.6% | +1.7% | +5.8% | +5.1% | +56.7% |
| Nov 6, 2025 | +3.6% | -2.8% | -11.3% | +0.9% | -18.3% |
| Aug 6, 2025 | +1.1% | +3.8% | +8.4% | +27.9% | +36.8% |
| May 7, 2025 | +10.8% | +30.2% | +29.5% | +8.3% | +3.9% |
| Feb 4, 2025 | -12.7% | -8.8% | -12.1% | -8.0% | -22.3% |
| Nov 7, 2024 | -10.0% | -12.3% | -13.3% | +5.5% | +1.3% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Aug 6, 2026 | $1.10 | $0.40 | +173.0% | $4.79B |
| May 6, 2026 | $2.07 | $1.21 | +71.1% | $4.58B |
| Feb 10, 2026 | -$1.24 | -$0.92 | -34.6% | $2.75B |
| Nov 6, 2025 | -$0.53 | -$0.55 | +3.6% | $2.99B |
| Aug 6, 2025 | -$0.89 | -$0.90 | +1.1% | $2.86B |
| May 7, 2025 | $0.92 | $0.83 | +10.8% | $3.05B |
| Feb 4, 2025 | -$0.62 | -$0.55 | -12.7% | $2.39B |
| Nov 7, 2024 | -$0.22 | -$0.20 | -10.0% | $2.42B |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 23.2× | — | — | Top 12% |
| P/E (forward) | 17.0× | — | — | — |
| EV / EBITDA | 6.9× | — | — | Top 5% |
| EV / Sales | 0.29× | — | — | Top 2% |
| Free-cash-flow yield | 54.04% | — | — | Top 1% |
| Earnings yield | 4.32% | — | — | Top 12% |
Technical state
Trend checklist
- ✓ Price above 20-day average
- ✓ Price above 50-day average
- ✓ Price above 200-day average
- ✓ 50-day average above 200-day
- ✓ MACD histogram positive
Trend quality
- Days above the 50-day average
- 2
- Days above the 200-day average
- 117
- 50-day average slope (20 days)
- +1.5%
- 200-day average slope (20 days)
- +7.4%
- Distance from 50-day average
- +5.1%
- Distance from 200-day average
- +47.3%
- RSI (14)
- 57.3
- Relative volume
- 0.85×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 56.8%
- Volatility vs own 5-year history
- 9th percentile · Low for this stock
- Beta vs S&P 500 (2 years, weekly)
- 0.79
- Correlation with S&P 500
- 0.15
- Current drawdown from 1-year high
- -4.1%
- Maximum drawdown, 3 years
- -53.4%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Mar 10, 2021 | Dec 21, 2022 | -94.2% | 451 days | Not yet recovered |
| Mar 3, 2021 | Mar 5, 2021 | -10.9% | 2 days | 3 days (Mar 10, 2021) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $8.02B
- P/E (TTM)
- 23.2
- EPS, diluted (TTM)
- $1.40
- Revenue (TTM)
- $15.32B
- 52-week range
- $10.69 – $34.48
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $1.92B | $4.13B | $5.86B | $9.18B | $11.70B |
| Gross profit | $1.92B | $4.13B | $1.22B | $1.84B | $1.68B |
| Operating income | -$570.6M | -$610.1M | -$235.6M | $57.3M | -$396.4M |
| Net income | -$572.6M | -$606.3M | -$270.7M | $25.4M | -$443.2M |
| EPS (diluted) | -$3.19 | -$2.85 | -$1.22 | $0.10 | -$1.69 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $2.42B | $2.39B | $3.05B | $2.86B | $2.99B | $2.81B | $4.65B | $4.88B |
| Net income | -$54.6M | -$153.5M | $275.3M | -$228.4M | -$137.4M | -$352.6M | $679.0M | $361.8M |
| EPS (diluted) | -$0.22 | -$0.62 | $0.92 | -$0.84 | -$0.53 | -$1.24 | $2.07 | $1.10 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | -$181.7M | $380.3M | -$272.2M | $978.2M | $1.09B |
| Capital expenditure | -$25.9M | -$29.0M | -$25.6M | -$27.9M | -$36.4M |
| Free cash flow | -$207.6M | $351.3M | -$297.7M | $950.3M | $1.06B |
| Dividends paid | $0 | $0 | $0 | $0 | $0 |
| Net share buybacks | $1.35B | $1.3M | $4.0M | $68.4M | $55.0M |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $8.56B
- Total assets
- $11.23B
- Total liabilities
- $9.17B
- Total debt
- $431.6M
- Net debt
- -$3.64B
- Shareholders’ equity
- $2.05B
As of Jun 30, 2026 (filed Aug 7, 2026).
Short interest
- Shares sold short
- 17,770,151
- Days to cover
- 3.65
- Change vs previous report
- +8.6%
FINRA short interest, settlement date Sep 15, 2026.