Oscar Health, Inc.

Health Care
Medical Specialities
www.hioscar.com

Moat Score
Safety Score

Market Cap $3.71B
PE 128
Debt $299.36M
Cash $1.23B
EV $2.78B
FCF $901.06M

Earnings

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Sales & Net Margins

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Earnings	$29.01M
EBIT	$59.52M
ROE	2%
ROA	1%
FCF	$901.06M
Equity	$1.17B
Growth Stability	1
PE	127.95
PB	3.18
P/FCF	4.12
P/S	0.45
Price/Cash	0.33
Debt/Equity	0.26
Debt/FCF	0.33
Net Margins	3%
Op. Margins	1%
Sales Growth YoY	68%
Sales Growth QoQ	9%
Sales CAGR	97%
FCF CAGR	6%
Equity CAGR	-15%
Earnings Growth YoY	-17%
Earnings Growth QoQ	-197%

Sales CAGR 5Y	97%
FCF CAGR 5Y	6%
Equity CAGR 5Y	-15%
Earnings CAGR 3Y	64%
Sales CAGR 3Y	64%
FCF CAGR 3Y	36%
Equity CAGR 3Y	-8%
Market Cap	$3.71B
Revenue	$8.22B
Assets	$4.48B
Total Debt	$299.36M
Cash	$1.23B
Shares Outstanding	237.76M
EV	2.78B
Moat Score	36%
Safety Score	97%
Working Capital	-586.72M
Current Ratio	0.8
Shares Growth 3y	7%
Equity Growth QoQ	2%
Equity Growth YoY	26%

Assets & ROA

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Stockholders Equity & ROE

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Oscar Health Inc is a health insurance company. The company provides various insurance plans for individuals, family, and employees. Also, the company provides virtual care, doctor support, scheduling appointments, and other related services. The company provides plans in the Medicare Advantage program to adults who are age 65 and older and eligible for traditional Medicare but who instead select coverage through a private market plan.

SEC Filings

Direct access to Oscar Health, Inc. (OSCR) Annual Reports (10K) and Quarterly Reports (10Q) from the SEC website.

2024
- 10-Q Sep 30
- 10-Q Jun 30
- 10-Q Mar 31
2023
- 10-K Dec 31
- 10-Q Sep 30
- 10-Q Jun 30
- 10-Q Mar 31
2022
- 10-K Dec 31
- 10-Q Sep 30
- 10-Q Jun 30
- 10-Q Mar 31

Sector Comparison

How does Oscar Health, Inc. compare to its competitors?

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Peter Lynch's Chart

This chart shows the current pricing of Oscar Health, Inc. compared to its past. The addition of the earnings trend line provides further insights into the company's earnings power.

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Oscar Health, Inc. Discounted Cash Flow

Fully customizable DCF calculator online for Oscar Health, Inc..

Years

Calculation mode

= $13B

	0	1	2	3	4	5	6	7	8	9	10	TV
fcf	$901M	$951M	$1B	$1.1B	$1.1B	$1.2B	$1.2B	$1.3B	$1.4B	$1.5B	$1.6B	$16B
DCF		$865M	$830M	$797M	$765M	$734M	$704M	$676M	$649M	$623M	$598M	$6B
Value	$13B

Competitiveness and MOAT

High margins render the company resilient under dire circumstances, hence able to drive competitors out or acquire them. ROE and ROA measure the average flow generated by each invested dollar. Their marginal value is a forecast of future growth, and it is considered by Buffett and Munger the most important single indicator.

Years	12/2019	12/2020	12/2021	12/2022	12/2023	TTM
Net Margins	-54%	-90%	-31%	-15%	-5%	3%
ROA	-	-18%	-16%	-13%	-7%	1%
ROE	-	32%	-41%	-68%	-34%	2%

Bad Net Margins (2.64%)

Net Margins are too low to guarantee profitability in case of higher costs or higher interest rates. Furthermore lower margins cause higher earnings’ volatility.

Safety and Stability

Being debt the number one cause of investment losses and company death, the ratio Debt/FCF is of utmost importance to guarantee safety. On the other hand the Graham’s stability measures the drawdown of earnings, hence indicating the reliability of the flow generated by the company.

Years	12/2019	12/2020	12/2021	12/2022	12/2023	TTM
Debt over FCF	-	0.68	-0	0.85	-1	0.33
Debt over Equity	-	-0.11	0	0.33	0.37	0.26
Growth Stability	-	-	-	-	-	1

Good Debt/FCF ratio (0.33)

Net Margins are high enough to offer a good protection on the profits in case of higher costs or higher interests. Furthermore higher margins reduce earnings’ volatility.

Good Debt/Equity ratio (0.26)

The company is not overleveraged and has a good balance between equity and debt.

Good Graham’s Stability (1)

The company has a good stability in its earnings, which is a sign of a good competitive advantage.

Growth

Growth can be dangerous when forecasting, simply projecting the current growth is in general wrong. A company passes through multiple phases, from being young and unprofitable, to the first periods of profitability and high growth, until it arrives at a period of regime with limited growth. Identifying in which phase the company is in may help forecasting.

Years	12/2019	12/2020	12/2021	12/2022	12/2023	CAGR 5Y
Revenue YoY growth	-	-5%	297%	116%	48%	97%
Earnings YoY growth	-	59%	38%	6%	-56%	-
Equity YoY growth	-	-	-207%	-36%	-10%	-15%
FCF YoY growth	-	-209%	-199%	-269%	-185%	6%