OSCR
Bearish signalScored 2026-09-23 Drivers: fundamentals. Moteurs : fondamentaux.
Research, not advice.
À propos
Oscar Health, Inc.
- Nom
- Oscar Health, Inc.
- Secteur
- Healthcare
- Industrie
- Medical - Healthcare Plans
- Bourse
- NYSE
- Capitalisation
- $8.1B
- Employés
- 2,305
- PDG
- Mark Thomas Bertolini
- Site web
- https://www.hioscar.com
- Marché
- ALHCCICLOVCNCCVSELV
Oscar Health, Inc. operates as a health insurance provider across the United States. Its offerings include various health plans such as those for individuals and families, small businesses, and Medicare Advantage options. The company also features "+Oscar," a proprietary technology platform designed to facilitate engagement between healthcare providers, payers, and their members or patients. Additionally, Oscar Health provides reinsurance solutions. Originally established as Mulberry Health Inc., the firm officially changed its name to Oscar Health, Inc. in January 2021. It was founded in 2012 and maintains its main office in New York, New York.
Price (1 year)
Live chart from TradingView — independent market data, as price context around the filings, not the Quorum score. EMA 50/200 and Bollinger load by default. When the exchange is known it is sent as EXCHANGE:SYMBOL; otherwise TradingView resolves the ticker best-effort.
VENTE TOTALE: 806 422 titres (~24 616 721,90 $ US)
- Insiders
- WITTMAN VANESSA AMESSchlosser Mario
- Total bought
-
—
Avg buy (VWAP, 90d window) —
- Total sold
-
$26,761,671
Avg sell (VWAP, 90d window) $30.60 vs last close $29.90 (-2.3%)
Total sold sums Form 4 code S in this window. Codes F, M, A and G are left out.
$3,344,046 of that total is under a Rule 10b5-1 plan. It is shown here and left out of the score.
- Last activity
- 2026-09-18
- Liquidity
- Liquid $164,886,824/day · 20d vol
- Last synced
-
2026-10-01 21:10:48
Sign in to request a sync of this company's price history and timing levels.
Insider holdings as a share of total assets aren't available for this company.
Avg buy and avg sell are volume-weighted prices (sum of shares × price, divided by shares) for Form 4 rows in this 90-day window that report both figures. A comparison with last close is market context for that average, not advice.
Recent Form 4
Filings in the 90-day window for this company. Value is shares × price from the filing. Research, not advice.
| Date | Person | Side | Shares | Price | Value | Form 4 |
|---|---|---|---|---|---|---|
| 2026-09-18 | WITTMAN VANESSA AMES | Sell · S · 10b5-1 | 25,000 | $32.24 | $806,000 | Form 4 |
| 2026-09-03 | Baltrus Victoria | Sell · S · 10b5-1 | 958 | $31.45 | $30,129 | Form 4 |
| 2026-09-03 | Blackley Richard Scott | Sell · S · 10b5-1 | 28,869 | $31.45 | $907,930 | Form 4 |
| 2026-09-03 | Liang Janet | Sell · S · 10b5-1 | 10,360 | $31.45 | $325,822 | Form 4 |
| 2026-09-03 | McAnaney Adam | Sell · S · 10b5-1 | 9,092 | $31.45 | $285,943 | Form 4 |
| 2026-09-03 | Schlosser Mario | Sell · S · 10b5-1 | 31,422 | $31.45 | $988,222 | Form 4 |
| 2026-08-28 | Schlosser Mario | Sell · S | 150,000 | $30.79 | $4,618,500 | Form 4 |
| 2026-08-27 | Schlosser Mario | Sell · S | 600,000 | $30.34 | $18,204,000 | Form 4 |
| 2026-08-18 | Blackley Richard Scott | Sell · S | 18,750 | $31.74 | $595,125 | Form 4 |
Sales marked 10b5-1 are scheduled in advance and don't count toward the Quorum score. Les ventes marquées 10b5-1 sont planifiées à l'avance et ne pèsent pas dans le score Quorum.
Congressional trades
STOCK Act disclosures (90-day window)
Amounts are STOCK Act brackets as disclosed. Quorum does not turn a bracket into an exact price or a midpoint.
No STOCK Act disclosures for this company in this window.
Signal
Bearish signalScored 2026-09-23 Drivers: fundamentals. Moteurs : fondamentaux.
OSCR presents a high-risk profile with fragile financial health (liquidity score 40, fundamentals trend 35), characterized by persistent operational losses, negative margins, and a current ratio below 1.0 that signals…
The first sentence of the analysis written for OSCR on 2026-09-23 - a real excerpt, not a sample. The rest of it, the 0-100 score and the rating it produced are part of Plus. See plans.
Factor checklist — research, not advice
A check leans with a bullish reading. A cross leans against it. A dash is unavailable or mixed.
- Insider Pulls against a bullish reading. Selling cluster — sale value, no purchase value
- Congress Unavailable or mixed. No purchase disclosures in the stored window
- Narrative Pulls against a bullish reading. Stored narrative reading is in the bearish band
- Timing Unavailable or mixed. Weekly bias is flat
- Financial indicators Pulls against a bullish reading. Current ratio 0.95 · operating margin -3.4%
Suggested stop 27.83, nearest stored support minus 0.5 ATR(6.9% under the last close). Reward/risk to the next stored resistance is 0.25. Wait — that reward/risk is under 2. Research, not advice. Not an order.
Market snapshot
Financial ratios
| Metric | Trend | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|---|
| Gross Profit Margin | 14.4% | 20.1% | 20.8% | 100.0% | 100.0% | |
| Ebit Margin | -3.6% | 0.6% | -4.1% | -14.2% | -29.5% | |
| Ebitda Margin | -3.3% | 1.0% | -3.6% | -13.9% | -28.7% | |
| Operating Profit Margin | -3.4% | 0.6% | -4.0% | -14.8% | -29.7% | |
| Pretax Profit Margin | -3.7% | 0.4% | -4.6% | -14.8% | -29.7% | |
| Continuous Operations Profit Margin | -3.8% | 0.3% | -4.6% | -14.8% | -29.7% | |
| Net Profit Margin | -3.8% | 0.3% | -4.6% | -14.7% | -29.8% | |
| Bottom Line Profit Margin | -3.8% | 0.3% | -4.6% | -14.7% | -29.8% | |
| Current Ratio | 0.949 | 0.897 | -11.819 | 1.397 | 1.708 | |
| Quick Ratio | 0.949 | 0.897 | -11.819 | 1.397 | 1.708 | |
| Solvency Ratio | -0.078 | 0.015 | -0.086 | -0.163 | -0.289 | |
| Cash Ratio | 0.571 | 0.482 | -10.671 | 0.525 | 0.683 | |
| Price To Earnings Ratio | -8.503 | 122.182 | -7.500 | -0.863 | -2.461 | |
| Price To Earnings Growth Ratio | 0.005 | -1.121 | 0.131 | 0.081 | -0.028 | |
| Forward Price To Earnings Growth Ratio | 0.005 | -1.121 | 0.131 | 0.081 | -0.028 | |
| Price To Earnings Diluted Ratio | -8.503 | 140.439 | -7.500 | -0.863 | -2.461 | |
| Price To Earnings Diluted Growth Ratio | 0.005 | -1.302 | 0.131 | 0.081 | -0.028 | |
| Price To Book Ratio | 3.857 | 3.187 | 2.523 | 0.587 | 1.013 | |
| Price To Sales Ratio | 0.322 | 0.352 | 0.346 | 0.127 | 0.731 | |
| Price To Free Cash Flow Ratio | 3.562 | 3.400 | -6.812 | 1.488 | -6.766 | |
| Price To Operating Cash Flow Ratio | 3.444 | 3.303 | -7.452 | 1.374 | -7.730 | |
| Debt To Assets Ratio | 0.068 | 0.062 | 0.083 | 0.066 | 0.000 | |
| Debt To Equity Ratio | 0.440 | 0.296 | 0.372 | 0.335 | 0.000 | |
| Debt To Capital Ratio | 0.306 | 0.228 | 0.271 | 0.251 | 0.000 | |
| Long Term Debt To Capital Ratio | 0.306 | 0.228 | 0.271 | 0.251 | 0.000 | |
| Financial Leverage Ratio | 6.470 | 4.776 | 4.480 | 5.084 | 2.394 | |
| Working Capital Turnover Ratio | -40.651 | 9.558 | 3.425 | 3.555 | 3.356 | |
| Operating Cash Flow Ratio | 0.225 | 0.308 | 1.553 | 0.128 | -0.112 | |
| Operating Cash Flow Sales Ratio | 0.094 | 0.107 | -0.046 | 0.092 | -0.095 | |
| Free Cash Flow Operating Cash Flow Ratio | 0.967 | 0.971 | 1.094 | 0.924 | 1.142 | |
| Debt Service Coverage Ratio | -22.536 | 3.455 | -8.751 | -25.268 | -116.971 | |
| Interest Coverage Ratio | -22.519 | 2.413 | -9.577 | -26.967 | -120.886 | |
| Short Term Operating Cash Flow Coverage Ratio | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | |
| Operating Cash Flow Coverage Ratio | 2.546 | 3.265 | -0.911 | 1.276 | 0.000 | |
| Capital Expenditure Coverage Ratio | 30.102 | 35.064 | -10.641 | 13.110 | -7.021 | |
| Dividend Paid And Capex Coverage Ratio | 30.102 | 35.064 | -10.641 | 13.110 | -7.021 | |
| Dividend Payout Ratio | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | |
| Enterprise Value Multiple | -3.648 | 22.431 | -2.154 | 1.290 | -0.546 |
Sparkline shows each ratio oldest → newest (left → right).
How the latest year compares
For each ratio: its most recent value, the change versus one year earlier, and versus its 5-year average. ▲ higher ▼ lower
| Metric | Current | vs 1Y ago | vs 5Y avg |
|---|---|---|---|
| Gross Profit Margin | 14.4% | ▼-5.7% | ▼-36.7% |
| Ebit Margin | -3.6% | ▼-4.2% | ▲6.6% |
| Ebitda Margin | -3.3% | ▼-4.3% | ▲6.4% |
| Operating Profit Margin | -3.4% | ▼-4.0% | ▲6.9% |
| Pretax Profit Margin | -3.7% | ▼-4.1% | ▲6.8% |
| Continuous Operations Profit Margin | -3.8% | ▼-4.1% | ▲6.7% |
| Net Profit Margin | -3.8% | ▼-4.1% | ▲6.7% |
| Bottom Line Profit Margin | -3.8% | ▼-4.1% | ▲6.7% |
| Current Ratio | 0.949 | ▲0.052 | ▲2.322 |
| Quick Ratio | 0.949 | ▲0.052 | ▲2.322 |
| Solvency Ratio | -0.077 | ▼-0.093 | ▲0.043 |
| Cash Ratio | 0.571 | ▲0.089 | ▲2.253 |
| Price To Earnings Ratio | -8.503 | ▼-130.685 | ▼-29.074 |
| Price To Earnings Growth Ratio | 0.005 | ▲1.126 | ▲0.192 |
| Forward Price To Earnings Growth Ratio | 0.005 | ▲1.126 | ▲0.192 |
| Price To Earnings Diluted Ratio | -8.503 | ▼-148.942 | ▼-32.725 |
| Price To Earnings Diluted Growth Ratio | 0.005 | ▲1.307 | ▲0.227 |
| Price To Book Ratio | 3.857 | ▲0.669 | ▲1.623 |
| Price To Sales Ratio | 0.322 | ▼-0.030 | ▼-0.053 |
| Price To Free Cash Flow Ratio | 3.562 | ▲0.162 | ▲4.588 |
| Price To Operating Cash Flow Ratio | 3.444 | ▲0.141 | ▲4.856 |
| Debt To Assets Ratio | 0.068 | ▲0.006 | ▲0.012 |
| Debt To Equity Ratio | 0.440 | ▲0.144 | ▲0.152 |
| Debt To Capital Ratio | 0.305 | ▲0.077 | ▲0.095 |
| Long Term Debt To Capital Ratio | 0.305 | ▲0.077 | ▲0.095 |
| Financial Leverage Ratio | 6.470 | ▲1.694 | ▲1.829 |
| Working Capital Turnover Ratio | -40.651 | ▼-50.209 | ▼-36.499 |
| Operating Cash Flow Ratio | 0.225 | ▼-0.083 | ▼-0.195 |
| Operating Cash Flow Sales Ratio | 0.094 | ▼-0.013 | ▲0.063 |
| Free Cash Flow Operating Cash Flow Ratio | 0.967 | ▼-0.005 | ▼-0.053 |
| Debt Service Coverage Ratio | -22.536 | ▼-25.991 | ▲11.478 |
| Interest Coverage Ratio | -22.519 | ▼-24.932 | ▲12.988 |
| Short Term Operating Cash Flow Coverage Ratio | 0.000 | 0.000 | 0.000 |
| Operating Cash Flow Coverage Ratio | 2.546 | ▼-0.720 | ▲1.310 |
| Capital Expenditure Coverage Ratio | 30.102 | ▼-4.963 | ▲17.979 |
| Dividend Paid And Capex Coverage Ratio | 30.102 | ▼-4.963 | ▲17.979 |
| Dividend Payout Ratio | 0.000 | 0.000 | 0.000 |
| Enterprise Value Multiple | -3.648 | ▼-26.078 | ▼-7.122 |
Key metrics
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Market cap | $3.77B | $3.23B | $2.03B | $522.7M | $1.40B | |
| Enterprise value | $1.43B | $2.00B | $456.6M | -$737.9M | $300.9M | |
| EV / Sales | 0.12x | 0.22x | 0.08x | -0.18x | 0.16x | |
| EV / Op. cash flow | 1.30x | 2.05x | -1.68x | -1.94x | -1.66x | |
| EV / Free cash flow | 1.35x | 2.11x | -1.53x | -2.10x | -1.45x | |
| EV / EBITDA | -3.65x | 22.43x | -2.15x | 1.29x | -0.55x | |
| Net debt / EBITDA | 5.99x | -13.75x | 7.41x | 2.20x | 2.00x | |
| Current ratio | 0.95x | 0.90x | -11.82x | 1.40x | 1.71x | |
| Income quality | -2.47x | 37.45x | 1.01x | -0.62x | 0.32x | |
| Graham number | — | $3 | — | — | — | |
| Graham net-net | -$4 | -$6 | $1 | $1 | $3 | |
| Tax burden | 101.3% | 76.1% | 101.3% | 99.4% | 100.4% | |
| Interest burden | 104.2% | 58.5% | 110.1% | 103.9% | 100.8% | |
| Working capital | -$249.2M | -$326.5M | $2.25B | $1.18B | $1.14B | |
| Invested capital | -$160.8M | -$259.7M | $2.31B | $1.24B | $1.19B | |
| Return on assets | -7.0% | 0.5% | -7.5% | -13.4% | -17.2% | |
| Operating ROA | -7.1% | 1.4% | -5.8% | -15.5% | -20.4% | |
| Return on tangible assets | -7.0% | 0.5% | -7.5% | -13.4% | -17.2% | |
| Return on equity | -45.3% | 2.5% | -33.7% | -68.1% | -41.3% | |
| Return on invested capital | -27.1% | 2.7% | -6.2% | -39.1% | -33.6% | |
| Return on capital employed | -27.1% | 3.4% | -6.2% | -39.1% | -33.5% | |
| Earnings yield | -11.8% | 0.8% | -13.3% | -116.0% | -40.8% | |
| Free cash flow yield | 28.1% | 29.4% | -14.7% | 67.2% | -14.8% | |
| Capex / Op. cash flow | 3.3% | 2.9% | -9.4% | 7.6% | -14.2% | |
| Capex / Depreciation | 125.9% | 86.8% | 83.3% | 189.8% | 177.2% | |
| Capex / Sales | 0.3% | 0.3% | 0.4% | 0.7% | 1.3% | |
| SG&A / Sales | 17.5% | 0.0% | 0.0% | 34.4% | 13.8% | |
| R&D / Sales | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | |
| Stock comp / Sales | 0.7% | 1.2% | 2.7% | 2.7% | 4.5% | |
| Intangibles / Total assets | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | |
| Days sales outstanding | 14d | 13d | 31d | 103d | 198d | |
| Days payables outstanding | -4d | 70d | 81d | 0d | 0d | |
| Operating cycle | 14d | 13d | 31d | 103d | 198d | |
| Cash conversion cycle | 17d | -57d | -50d | 103d | 198d |
Change by theme
Grouped by what each metric measures. Each figure is the change over the period shown — ▲ up ▼ down versus then.
Change over 1 year
Change over 5 years
Employee count
Peer market caps
Recent news
- 2026-09-23 Can Oscar Health Sustain Its Profit Rebound as Medical Costs Rise? Oscar Health''s profit rebound faces a test as rising medical spending and a larger member base threaten second-half profitability.
- 2026-09-23 All You Need to Know About Oscar Health (OSCR) Rating Upgrade to Strong Buy Oscar Health (OSCR) has been upgraded to a Zacks Rank #1 (Strong Buy), reflecting growing optimism about the company''s earnings prospects. This might drive the stock higher in the near term.
- 2026-09-23 Best Momentum Stocks to Buy for September 23rd OSCR, SNDR and TFII made it to the Zacks Rank #1 (Strong Buy) momentum stocks list on September 23rd, 2026.
- 2026-09-23 Oscar Health: Investor Day Offered New TAM Forecast Which Is Very Bullish, If Smoothly Executed Oscar Health is upgraded to Strong Buy with a new $45 fair value, reflecting raised 2026–2029 earnings targets and an expanded TAM. Management projects 2029 EPS of $4+ and 2026 operating earnings of $600–800M, driven by ACA execution, CHOICE, and Lucie marketplace growth. CHOICE and Lucie expand OSCR''s addressable market by 65%, with revenue estimates rising from $18.85B in 2026 to $32.6B in 2029.
- 2026-09-23 Best Growth Stocks to Buy for September 23rd LCUT, FIVE and OSCR made it to the Zacks Rank #1 (Strong Buy) growth stocks list on September 23rd, 2026.
- 2026-09-23 Oscar Health (NYSE:OSCR) Director Vanessa Ames Wittman Sells 25,000 Shares Oscar Health, Inc. (NYSE: OSCR - Get Free Report) Director Vanessa Ames Wittman sold 25,000 shares of the firm''s stock in a transaction on Friday, September 18th. The shares were sold at an average price of $32.24, for a total transaction of $806,000.00. Following the sale, the director owned 112,121 shares in the company, valued at
- 2026-09-21 5 Top Multi-Line Insurance Stocks to Buy as Interest Rates Stay Higher Insurance stocks can be well positioned in a higher interest rate environment, particularly because insurers collect premiums upfront and invest that money until claims are paid.
- 2026-09-21 Oscar Health, Inc. (OSCR) Stock Drops Despite Market Gains: Important Facts to Note Oscar Health, Inc. (OSCR) closed the most recent trading day at $31.29, moving 2.61% from the previous trading session.
- 2026-09-21 Best Growth Stocks to Buy for September 21st WOOF, FIVE and OSCR made it to the Zacks Rank #1 (Strong Buy) growth stocks list on September 21st, 2026.
- 2026-09-18 Oscar Health Announces Thrive Capital''s Completion of Oscar Health Common Stock Distribution to its Limited Partners Oscar Health, Inc. (âOscar Healthâ or the âCompanyâ) (NYSE: OSCR) announced that on September 18, 2026 certain funds affiliated with or advised by Thriv