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Oscar Health, Inc. (OSCR) Stock Verdict & Ratings | Investment Bastion

Stock Verdict·Updated today

Oscar Health, Inc.

OSCRMarket cap $10BPrice $32.9

Country🇺🇸United States

SectorFinancials

IndustryInsurance

Sells health insurance through a tech-first platform designed to make navigating care less painful. Founded to fix a broken system, it still loses money on most policies as it chases scale in a brutally thin-margin industry.

In Bastion Portfolios?

52W Return+70%Global Market +16%?

01Key Ratings

How does this stock score across Bastion factors?

Growth

Historical Revenue

Rev CAGR (3y)+43%10

Revenue Forecast

Rev CAGR (1y)+61%10

Rev CAGR (3y)+30%10

Rev CAGR (5y)+23%10

Earnings Forecast

EPS Growth Y+10%5

EPS Growth Y+2+17%8

EPS Growth Y+3+24%8

Quality

Margins

EBIT Margin4%2

Net Income Margin4%3

Free Cash Flow Margin29%9

Debt

Net Debt/EBITDA-5.310

Efficiency

ROE34%9

ROA6%7

Earnings Stability44

GEAR+VERY STRONG94

Overall rating across all five factors

Value

Price Multiples

P/E Ratio (Forward)156

P/E Ratio (Forward 3y)117

P/BV4.93

EV Multiples

EV/EBITDA Fwd66

EV/EBIT Fwd76

Yield

Free Cash Flow Yield0.0%6

Dividend Yieldna–

Momentum

Short term

1 month return-0%8

3 month return+7%8

YTD return+129%10

Mid term

Price vs 52wHigh95%10

1 year return+51%9

Long term

3 year return+493%10

5 year return+122%8

Risk Shield

Price Risk

Beta0.86

Volatility69%2

Free Cash Flow

Free Cash Flow Margin29%9

Free Cash Flow Yield0.0%6

Quality

ROCE31%7

Earnings Stability44

Net Debt/EBITDA-5.310

02Growth

Is it actually growing, and how fast?

OSCROscar Health

Revenue FY25$11.7B

GROWTH RATING↗

VERY STRONG97 / 100

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+43%10

Revenue, next 1Y+61%10

Revenue, next 3Y, CAGR+30%10

Revenue, next 5Y, CAGR+23%10

EARNINGS FORECAST▾SCORE

EPS growth, FY26E0%5

EPS growth, FY27E+17%8

EPS growth, FY28E+24%8

GROWTH ASSESSMENT

STRENGTHS

It out-grows 97% of companies worldwide.

Revenue grew 43%/yr over the last 3 years, ahead of 90% of companies worldwide.10/10

Revenue is set to grow 30%/yr over the next 3 years, ahead of most of the market.10/10

The runway holds up: revenue is set to grow 23%/yr over five years.10/10

WATCH

Revenue grew 43%/yr over the last 3 years; forecasts see it cooling to 30%/yr.

Earnings are set to grow slower than sales (EPS about 17%/yr vs revenue 30%/yr), so margins are under pressure.

WEAKNESSES

None flagged.

BOTTOM LINE

Elite Compounder

A top-tier grower that is slowing. The one thing to watch: the pace is cooling.

03Price Momentum

Is the market behind it right now?

MOMENTUM RATING↗

VERY STRONG96 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-0%8

3-month return+7%8

YTD return+129%10

MID & LONG-TERM▾SCORE

% of 52-week high95%10

1-year return+51%9

3-year return+493%10

5-year return+122%8

MOMENTUM ASSESSMENT

STRENGTHS

Magnificent long-term results. Long-term holders have seen +493% over three years and +122% over five, ahead of 80% of the market.

It's up 51% over the past year, now sitting right at its 52-week high. That is clearly ahead of the market.

Strong recent results. The stock is outperforming over the past month (+0%), over three months (+7%) and so far this year (+129%).

WATCH

None flagged.

WEAKNESSES

None flagged.

BOTTOM LINE

Momentum Leader

Short- and long-term returns both rank among the best globally, and the stock trades near its highs. The market is fully behind it — a core fit for momentum strategies.

04Value

Are you paying a fair price for it?

Stop guessing on Oscar Health, Inc.. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

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Loading charts…

02Growth

Is it actually growing, and how fast?

OSCROscar Health

Revenue FY25$11.7B

GROWTH RATING↗

VERY STRONG97 / 100

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+43%10

Revenue, next 1Y+61%10

Revenue, next 3Y, CAGR+30%10

Revenue, next 5Y, CAGR+23%10

EARNINGS FORECAST▾SCORE

EPS growth, FY26E0%5

EPS growth, FY27E+17%8

EPS growth, FY28E+24%8

GROWTH ASSESSMENT

STRENGTHS

It out-grows 97% of companies worldwide.

Revenue grew 43%/yr over the last 3 years, ahead of 90% of companies worldwide.10/10

Revenue is set to grow 30%/yr over the next 3 years, ahead of most of the market.10/10

The runway holds up: revenue is set to grow 23%/yr over five years.10/10

WATCH

Revenue grew 43%/yr over the last 3 years; forecasts see it cooling to 30%/yr.

Earnings are set to grow slower than sales (EPS about 17%/yr vs revenue 30%/yr), so margins are under pressure.

WEAKNESSES

None flagged.

BOTTOM LINE

Elite Compounder

A top-tier grower that is slowing. The one thing to watch: the pace is cooling.

03Price Momentum

Is the market behind it right now?

MOMENTUM RATING↗

VERY STRONG96 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-0%8

3-month return+7%8

YTD return+129%10

MID & LONG-TERM▾SCORE

% of 52-week high95%10

1-year return+51%9

3-year return+493%10

5-year return+122%8

MOMENTUM ASSESSMENT

STRENGTHS

Magnificent long-term results. Long-term holders have seen +493% over three years and +122% over five, ahead of 80% of the market.

It's up 51% over the past year, now sitting right at its 52-week high. That is clearly ahead of the market.

Strong recent results. The stock is outperforming over the past month (+0%), over three months (+7%) and so far this year (+129%).

WATCH

None flagged.

WEAKNESSES

None flagged.

BOTTOM LINE

Momentum Leader

Short- and long-term returns both rank among the best globally, and the stock trades near its highs. The market is fully behind it — a core fit for momentum strategies.

04Value

Are you paying a fair price for it?

Stop guessing on Oscar Health, Inc.. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

✓
Stock VerdictValuation and investment strategy for 4,000+ stocks. Days of hedge fund analyst research, done in 2 minutes.
✓
RadarFind your next investment idea: top-ranked stocks across all 9 Bastion strategies.
✓
Portfolio ManagerCheck if Bastion algorithms added the stock you care about to their portfolios.

Secure via Stripe

Trusted by 1,000+ investors in our community