Oscar Health, Inc. Logo

Oscar Health, Inc.

OSCR

(1.5)
Stock Price

16,31 USD

0.38% ROA

1.86% ROE

240.42x PER

Market Cap.

3.772.900.600,00 USD

26.28% DER

0% Yield

0.25% NPM

Oscar Health, Inc. Stock Analysis

Oscar Health, Inc. Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Oscar Health, Inc. Fundamental Stock Analysis
# Analysis Rating
1 DER

The stock has a low debt to equity ratio (31%), which means it has a small amount of debt compared to the ownership it holds

2 Revenue Growth

With a track record of consistent revenue growth in the past five years, this company presents a compelling opportunity.

3 PBV

The stock's PBV ratio (1.76x) reflects a fair valuation, making it an attractive option for investors seeking balanced opportunities.

4 Graham Number

The company's Graham number suggests that its stock price is underestimated, implying that it may present a compelling investment opportunity.

5 ROE

The stock's ROE indicates a negative return (-49.36%) on shareholders' equity, suggesting poor financial performance.

6 ROA

The stock's ROA (-10.41%) indicates that it's not effectively utilizing its assets to generate profits, making it a less favorable option to invest and earn consistent returns.

7 Net Profit Growth

This company's net profit has remained stagnant over the past five years, indicating a lack of growth and making it a less favorable investment option.

8 Assets Growth

Company's revenue has stayed stagnant, showing no signs of improvement and making it a less favorable choice.

9 Dividend Growth

The company's dividend growth has remained flat for the past three years, offering no indication of improved returns and making it a less advantageous investment opportunity.

10 Dividend

The company's lack of dividends in the past three years may concern investors seeking regular income.

11 Buffet Intrinsic Value

The company's stock presents a potential concern as it appears overvalued (-50) by Warren Buffett's formula, indicating that its market price exceeds its estimated intrinsic value.

Oscar Health, Inc. Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Oscar Health, Inc. Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Buy
2 MACD Buy
3 RSI Hold
4 Stoch RSI Sell

Oscar Health, Inc. Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Oscar Health, Inc. Revenue
Year Revenue Growth
2019 553.779.000
2020 589.641.000 6.08%
2021 1.920.961.000 69.3%
2022 4.125.584.000 53.44%
2023 5.759.844.000 28.37%
2023 5.862.869.000 1.76%
2024 8.877.364.000 33.96%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Oscar Health, Inc. Research and Development Expenses
Year Research and Development Expenses Growth
2019 0
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2023 0 0%
2024 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Oscar Health, Inc. General and Administrative Expenses
Year General and Administrative Expenses Growth
2019 110.682.000
2020 166.655.000 33.59%
2021 265.078.000 37.13%
2022 309.783.000 14.43%
2023 302.012.000 -2.57%
2023 339.716.000 11.1%
2024 1.740.576.000 80.48%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Oscar Health, Inc. EBITDA
Year EBITDA Growth
2019 -253.565.000
2020 -395.579.000 35.9%
2021 -562.455.000 29.67%
2022 -568.892.000 1.13%
2023 -232.976.000 -144.18%
2023 -235.615.000 1.12%
2024 -27.872.000 -745.35%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Oscar Health, Inc. Gross Profit
Year Gross Profit Growth
2019 553.779.000
2020 589.641.000 6.08%
2021 1.920.961.000 69.3%
2022 4.125.584.000 53.44%
2023 5.759.964.000 28.37%
2023 5.862.869.000 1.76%
2024 8.877.364.000 33.96%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Oscar Health, Inc. Net Profit
Year Net Profit Growth
2019 -261.182.000
2020 -406.825.000 35.8%
2021 -571.426.000 28.81%
2022 -609.552.000 6.25%
2023 -261.592.000 -133.02%
2023 -270.728.000 3.37%
2024 224.828.000 220.42%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Oscar Health, Inc. Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2019 -1
2020 -2 0%
2021 -3 66.67%
2022 -3 -50%
2023 -1 -100%
2023 -1 0%
2024 1 0%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Oscar Health, Inc. Free Cashflow
Year Free Cashflow Growth
2019 -191.366.000
2020 208.711.000 191.69%
2021 -207.630.000 200.52%
2022 351.337.000 159.1%
2023 -1.155.745.000 130.4%
2023 -297.736.000 -288.18%
2024 489.589.000 160.81%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Oscar Health, Inc. Operating Cashflow
Year Operating Cashflow Growth
2019 -165.370.000
2020 222.732.000 174.25%
2021 -181.745.000 222.55%
2022 380.349.000 147.78%
2023 -1.149.266.000 133.09%
2023 -272.159.000 -322.28%
2024 497.151.000 154.74%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Oscar Health, Inc. Capital Expenditure
Year Capital Expenditure Growth
2019 25.996.000
2020 14.021.000 -85.41%
2021 25.885.000 45.83%
2022 29.012.000 10.78%
2023 6.479.000 -347.79%
2023 25.577.000 74.67%
2024 7.562.000 -238.23%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Oscar Health, Inc. Equity
Year Equity Growth
2019 -945.138.000
2020 -1.295.893.000 27.07%
2021 1.392.522.000 193.06%
2022 892.400.000 -56.04%
2023 921.434.000 3.15%
2023 806.117.000 -14.31%
2024 1.140.568.000 29.32%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Oscar Health, Inc. Assets
Year Assets Growth
2019 1.346.914.000
2020 2.272.106.000 40.72%
2021 3.321.650.000 31.6%
2022 4.526.601.000 26.62%
2023 3.349.511.000 -35.14%
2023 3.360.286.000 0.32%
2024 4.764.865.000 29.48%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Oscar Health, Inc. Liabilities
Year Liabilities Growth
2019 494.235.000
2020 3.567.999.000 86.15%
2021 440.019.000 -710.87%
2022 3.634.201.000 87.89%
2023 2.428.077.000 -49.67%
2023 2.554.169.000 4.94%
2024 3.624.297.000 29.53%

Oscar Health, Inc. Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
30.31
Net Income per Share
0.08
Price to Earning Ratio
240.42x
Price To Sales Ratio
0.52x
POCF Ratio
15.63
PFCF Ratio
14.91
Price to Book Ratio
3.83
EV to Sales
0.25
EV Over EBITDA
-8.28
EV to Operating CashFlow
6.46
EV to FreeCashFlow
7.13
Earnings Yield
0
FreeCashFlow Yield
0.07
Market Cap
3,77 Bil.
Enterprise Value
1,80 Bil.
Graham Number
2.86
Graham NetNet
-7.51

Income Statement Metrics

Net Income per Share
0.08
Income Quality
15.64
ROE
0.02
Return On Assets
0
Return On Capital Employed
0.03
Net Income per EBT
0.76
EBT Per Ebit
0.48
Ebit per Revenue
0.01
Effective Tax Rate
0.24

Margins

Sales, General, & Administrative to Revenue
0.14
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0.02
Gross Profit Margin
1
Operating Profit Margin
0.01
Pretax Profit Margin
0
Net Profit Margin
0

Dividends

Dividend Yield
0
Dividend Yield %
0
Payout Ratio
0
Dividend Per Share
0

Operating Metrics

Operating Cashflow per Share
1.17
Free CashFlow per Share
1.06
Capex to Operating CashFlow
0.09
Capex to Revenue
0
Capex to Depreciation
0.81
Return on Invested Capital
0.03
Return on Tangible Assets
0
Days Sales Outstanding
35.92
Days Payables Outstanding
157273.11
Days of Inventory on Hand
-1028838.09
Receivables Turnover
10.16
Payables Turnover
0
Inventory Turnover
-0
Capex per Share
0.11

Balance Sheet

Cash per Share
11,03
Book Value per Share
4,78
Tangible Book Value per Share
4.78
Shareholders Equity per Share
4.77
Interest Debt per Share
1.36
Debt to Equity
0.26
Debt to Assets
0.06
Net Debt to EBITDA
9.04
Current Ratio
0.96
Tangible Asset Value
1,14 Bil.
Net Current Asset Value
-0,51 Bil.
Invested Capital
-78695000
Working Capital
-0,14 Bil.
Intangibles to Total Assets
0
Average Receivables
0,68 Bil.
Average Payables
0,39 Bil.
Average Inventory
-1661689500
Debt to Market Cap
0.08

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Oscar Health, Inc. Dividends
Year Dividends Growth

Oscar Health, Inc. Profile

About Oscar Health, Inc.

Oscar Health, Inc. provides health insurance products and services in the United States. The company offers Individual & Family, Small Group, and Medicare Advantage plans, as well as +Oscar, a technology driven platform designed to help providers and payor clients to engage with members and patients. It also provides reinsurance products. The company was formerly known as Mulberry Health Inc. and changed its name to Oscar Health, Inc. in January 2021. Oscar Health, Inc. was incorporated in 2012 and is headquartered in New York, New York.

CEO
Mr. Mark Thomas Bertolini
Employee
2.400
Address
75 Varick Street
New York, 10013

Oscar Health, Inc. Executives & BODs

Oscar Health, Inc. Executives & BODs
# Name Age
1 Mr. Richard Scott Blackley CPA
Chief Financial Officer
70
2 Ms. Alessandrea Corinne Quane
Executive Vice President & Chief Insurance Officer
70
3 Mr. Mark Thomas Bertolini
Chief Executive Officer & Director
70
4 Mr. Steven Wolin
Chief Operating Officer
70
5 Ms. Ranmali Bopitiya
Chief Legal Officer
70
6 Mr. Joshua Kushner
Co-Founder & Vice Chairman
70
7 Ms. Rebecca Krouse
Chief People Officer
70
8 Chris Potochar
Vice President of Treasury & Investor Relations
70
9 Mr. Mario Tobias Schlosser
Co-Founder, Chief Technology Officer & Director
70
10 Ms. Victoria Baltrus
Chief Accounting Officer
70

Oscar Health, Inc. Competitors