* Note: Prices are in Million (M) USD.
Description:
Oscar Health, Inc. (OSCR) is an innovative health insurance company headquartered in New York, distinguished by its technology-driven approach to insurance solutions for individuals, families, and businesses across the United States. Leveraging a proprietary digital platform, Oscar enhances member engagement and provides personalized care management while ensuring streamlined access to healthcare services, which ultimately aims to improve health outcomes and reduce costs. With a strong focus on integrating technology into the healthcare experience, Oscar Health is well-positioned to reshape industry dynamics, appealing to a health-conscious consumer base and establishing itself as a formidable entity in the evolving healthcare landscape.
These criteria used Company's Cash, EBITDA and Debt balance to determines its fair value:
Cash : $2,149 M
Debt : $686 M
EBITDA : $-183 M
Since Ebitda is less than 0, 0 points assigned.
This criteria used industry in which company operates:
Sector: Finance
Industry: Hospital & medical service plans
Based on industry, 3 points assigned.
This criteria used Company's Price To Earning (P/E) Ratio to determines its fair value:
Message: Cannot calculate PE Ratio since EPS is either 0 or negative.
Using default values for calculation.
Forward PE Ratio (using default values): 20.00
Since Forward PE Ratio is between 20 - 25, 2 points assigned.
This criteria used Company's ability to convert Sales into free cash flow to determine fair value:
Using last 6 overlapping fiscal years (max 20).Average Free Cash Flow: $136 M
Average Revenue: $3,705 M
Revenue Converted To Free Cash Flow (%): 3.7%
Since Free Cash Flow (FCF) to Revenue percentage is less than 15, 1 point assigned.
This criteria used company's growth potential to calculate its fair value:
Latest Revenue (2024-12-31): $9,178 M
Revenue 5 Years Ago (2019-12-31): $554 M
Total Growth over 5 Years: 1,557.3%
5-Year Revenue CAGR (Historical): 75.3%
Forward 5-Year CAGR (Tapered): 37.7%
Since historical Revenue CAGR is greater than 20, 5 points assigned.
This criteria used Company's ability to buy back its own share:
Latest Share Count (2024-12-31): $266 M
Share Count 5 Years Ago (2020-12-31): $29 M
Company is not buying back its own shares, 0 points assigned.
This criteria used Company's dividend payout ratio to determine its fair value:
Next Year Earnings Per Share (EPS): $0.00
Trailing 12-Month Earnings Per Share (EPS): $0.00
Average Earnings Per Share (EPS): $0.00
Dividend Per Share (DPS): $0
Payout Ratio: 0%
Dividend Yield: 0.00%
Since Dividend Per Share is less than or equal to 0, 0 point assigned.
Since Dividend Yield is less than 1, 0 point assigned.
This criteria used Company's Return On Equity (ROE%) to determine its fair value:
Using last 4 valid ROE years (max 20).Average ROE: -35.1%
Since Average ROE is non-positive, 0 point assigned.
This criteria used Company's current price to its 52 week low price to determines its fair value:
Current Price: $14.35
52-Week Low: $11.20
Threshold Price (15% Above 52-Week Low): $12.88
Since Current price is not within 15% threshold, 0 point assigned.
This criteria used Company's Market Cap to determines its fair value:
Market Capitalization: $4,299 M
Since Market Cap is less than 10B, 1 point assigned.
% Exposure to Total Portfolio
Based on the market cap, we recommend do not exceed 2% exposure of Total Portfolio.
Warren Buffett's Owners' Earnings:
Owners' Earnings (FCF/Share) (TTM ending 2025-09-30): $2.77
Owners' Earnings (FCF/Share, latest positive annual) (2024-12-31): $3.57
Note: Many fast-growing companies reinvest heavily, so Owners' Earnings may appear low.
Consider other factors in your valuation.
Value-Trade has assigned 12 points to above Oscar Health Inc (OSCR) stock.
Heads up: One or more P/E inputs look exaggerated and may skew the blend.
• Growth Based PE 50.00 (>2× median)
Further research is recommended; please use your own due diligence.
In such cases, multiplying earnings by the long-run average P/E typically gives a closer, more reliable fair value.
Fair Value PE 12, Industry Based PE 18, Growth Based PE 50, RCFC Based PE 3.66, Risk-Free Anchored PE (25% MoS) 18.12. Based on these 5 values, average assigned is 20.36. The fair value of Oscar Health Inc (OSCR) stock cannot be calculated since EBITDA and EPS are either 0 or negative.
