Fundamental analysis · SEC EDGAR · TTM through 31/03/2026
OSCR · NYSE · Healthcare
Fundamental quality
70
out of 100
Oscar Health, Inc. is in full growth mode but not yet profitable: revenue is growing strongly (89.7% a year), but it doesn't translate into earnings yet. On fundamental quality it scores 70 out of 100, profiling it as a company of reasonable quality. Its weakest area is its profitability (net margin -0.3%). 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: 89.7%
Net margin: -0.3% · ROE: -2.4%
Net debt/EBITDA: -109.95x · FCF: 21%
Source: SEC EDGAR · TTM through 31/03/2026
The score combines growth, profitability and financial strength. Here its growth weighs in its favor, while its profitability drags it down the most.
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.
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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 70 out of 100 in our analysis, placing it as a company of reasonable 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?
Over the last twelve months, no: Oscar Health, Inc. posts a negative net margin (-0.3%).
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 89.7% annualized in recent years, and without interruption since 2020.
Does Oscar Health, Inc. generate cash?
Yes. It converts about 21% 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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