Fundamental analysis · SEC EDGAR · TTM through 30/06/2026
OSCR · NYSE · Healthcare
Fundamental quality
85
out of 100
Oscar Health, Inc. earns a fundamental-quality score of 85 out of 100, profiling it as a company with solid fundamentals. Its score rests mainly on its growth (revenue +89.1%/yr). Its weakest area is its profitability (net margin 3.6%). Whether it's cheap or expensive depends on the current price, which you can compute in the tool.
Oscar Health is a digitally native health insurer focused on U.S. individual-market plans (Obamacare/ACA). It competes on a modern user experience against the sector's traditional giants.
Revenue growth: 89.1%
Net margin: 3.6% · ROE: 26.8%
Net debt/EBITDA: -5.54x · FCF: 28.6%
Source: SEC EDGAR · TTM through 30/06/2026
The score combines growth, profitability and financial strength. Here its growth weighs in its favor, while its profitability drags it down the most.
Percentile against the other 57 Healthcare companies in our coverage: how far it beats them on each metric (100 = best in sector).
Computed from the daily dataset scores. A high percentile places the company among the best in its sector on that metric; it is not a buy recommendation.
Key concepts
What do these metrics mean? Fundamental analysis · What is the P/E · What is EPS · What is ROE · Net & gross margin · Free cash flow
| Year | Revenue | Net income | Free cash flow | Net debt |
|---|---|---|---|---|
| 2020 | 463 | -407 | 209 | -684 |
| 2021 | 1,839 | -573 | -208 | -1,104 |
| 2022 | 3,964 | -606 | 351 | -1,261 |
| 2023 | 5,863 | -271 | -298 | -1,572 |
| 2024 | 9,178 | 25 | 950 | -1,228 |
| 2025 | 11,701 | -443 | 1,058 | -2,344 |
Between 2020 and 2025, revenue went from $463M to $11,701M (+2428%) and net income went from -$407M to -$443M (-9%).
Annual figures in millions of U.S. dollars ($M) per SEC filings. Net debt is total debt minus cash.
Latest results
Figures for the half-year ended June 30, 2026, versus the half-year ended June 30, 2025 (SEC filings):
Compared with the previous close (March 31, 2026), this is what moved in its accounts:
Automatic comparison between the two most recent periods filed with the SEC. One quarter doesn't make a trend: read it alongside the historical evolution above.
This company doesn't pay a dividend: it reinvests all its earnings back into the business.
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Is Oscar Health, Inc. cheap or expensive?
That depends on the current price. Look it up, enter it in the tool and get the full valuation verdict (P/E against its sector).
Compute the valuation →Is Oscar Health, Inc. a good company to invest in?
In terms of business quality, Oscar Health, Inc. scores 85 out of 100 in our analysis, placing it as a company of high fundamental quality. That said, this isn't a recommendation: whether it's a good investment also depends on its current price and your goals.
Is Oscar Health, Inc. a profitable company?
Oscar Health, Inc. is profitable, with a net margin of 3.6%, though a thin one.
Does Oscar Health, Inc. have a lot of debt?
No. Oscar Health, Inc. has a net cash position: more cash than debt.
Is Oscar Health, Inc. growing?
Its revenue has grown 89.1% annualized in recent years, and without interruption since 2020.
Does Oscar Health, Inc. generate cash?
Yes. It converts about 28.6% of its revenue into free cash flow.
The thresholds are general and the system doesn't judge qualitative factors. See the full methodology and use this analysis as a first filter, never as a final decision.
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Who's behind the methodology and model · how the score is computed
Data: see Oscar Health, Inc.'s filings on EDGAR
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