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Verdict
Quantitative factor alignment verified for current market regime.
Quant Score
Rank
#4034
Positioning
Market Dominance
Finance, Insurance, And Real Estate
Insurance
$4.9B
Mario T. Schlosser
Oscar Health, Inc. provides health insurance products and services in the United States. The company offers Individual & Family, Small Group, and Medicare Advantage plans. +Oscar is a technology driven platform designed to help providers and payor clients to engage with members and patients.
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| Stock | Rating | Score▼ | Quality | Value | Momentum | P/E | EV/EBITDA | ROE | ROA | Gross Mgn | Op Mgn | Net Mgn | Rev Growth | Div Yield | D/E | Mkt Cap | AUDIT |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
$SII SPROTT INC. | 75 | 91 | 87 | 98 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$PUK PRUDENTIAL PLC | 73 | 88 | 97 | 80 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$NMR NOMURA HOLDINGS INC | 72 | 81 | 92 | 87 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$PSLV Sprott Physical Silver Trust | 69 | 82 | 80 | 98 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$UFCS UNITED FIRE GROUP INC | 68 | 81 | 93 | 76 | 5.0x | 3.5x | 13.2% | 4.1% | 99.9% | 14.7% | 11.1% | 9.2% | 2.1% | 16.0x | $775M | VS | |
$SLF SUN LIFE FINANCIAL INC | 68 | 83 | 95 | 63 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$CBOE Cboe Global Markets, Inc. | 68 | 75 | 63 | 77 | 21.3x | 15.7x | 24.0% | 13.7% | 41.7% | 32.4% | 26.4% | 8.2% | 1.1% | 30.0x | $25.7B | VS | |
$VTMX Vesta Real Estate Corporation, S.A.B. de C.V. | 67 | 69 | 77 | 80 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$PHYS Sprott Physical Gold Trust | 67 | 64 | 82 | 91 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$GLDM World Gold Trust | 66 | 54 | 85 | 92 | 11.3x | 11.3x | - | 20.9% | 100.0% | 97.1% | 554.8% | -19.0% | 0.0% | - | $32.0B | VS | |
$OSCR Oscar Health, Inc. | 36 | 45 | 30 | 31 | - | - | -14.8% | -2.3% | 13.0% | -1.2% | -1.4% | 34.5% | 0.0% | 545.0x | $4.9B | ||
| SECTOR BENCH | - | - | - | - | - | 11.9x | 7.8x | 9.0% | 1.3% | 77.7% | 18.1% | 21.9% | 10.7% | 2.0% | 0.5x | - | REF |
Oscar Health, Inc. (OSCR) receives a "Avoid" rating with a composite score of 35.7/100. It ranks #4034 out of 7,333 stocks in our coverage universe and carries a 1-star rating. Ratings are driven by a 6-factor quantitative model measuring quality, value, momentum, investment, stability, and short interest.
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Lagging peers — losers tend to keep underperforming
Expensive relative to fundamentals — limited margin of safety
Average quality profile
High volatility — wider range of outcomes increases timing risk
Aggressive spending — empire-building risk, dilutive growth
Below-average composite — caution warranted
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Relative valuation derived from Finance, Insurance, And Real Estate sector benchmarks. Model weights: EV/EBITDA (40%), P/B (35%), P/S (25%). Re-calculated daily.
No analyst ratings for OSCR.
View All Ratings| Factor | Global | Sector | Tilt |
|---|---|---|---|
| PROFITABILITY | 45 | 75 | -30DRAG |
| MOMENTUM | 31 | 26 | +5NEUTRAL |
| VALUATION | 30 | 23 | +7ALPHA |
| INVESTMENT | 25 | 24 | +1NEUTRAL |
| STABILITY | 20 | 10 | +10ALPHA |
| SHORT INT | 45 | 45 | 0NEUTRAL |
Global = full universe. Sector = relative to industry peers. Positive tilt indicates idiosyncratic strength.
ROE proxy -14.8% (sector 9.0%)
GM 13% vs sector 78%, OM -1% vs sector 18%
Capital turnover N/A
Rev growth 35%, 5yr history
Interest coverage -57.8x
Composite assessment of profitability, capital efficiency, and financial strength. Top-tier entities demonstrate sustainable cash flow generation and elite competitive moats.
Profit generated per dollar of shareholder equity
Efficiency of asset utilization
Pricing power and cost efficiency
Core business profitability
Bottom-line profitability
The Quality factor evaluates the persistence and magnitude of realized cash flows. Companies with scores >70 exhibit superior pricing power and structural financial resilience through diverse economic regimes.
Our uncertainty rating tracks the predictability of future cash flows and potential for permanent capital loss. Moderate visibility with standard industry cyclicality.
We rate Oscar Health, Inc. (OSCR) as Avoid with a composite score of 35.7/100 at a current price of $12.30. The stock falls in the bottom quintile, and the multi-factor weakness suggests a high probability of continued underperformance.
Oscar Health, Inc. holds a top-quartile position (#0 of 50) within the Finance, Insurance, And Real Estate sector, based on our composite quantitative scoring across quality, value, momentum, and stability factors. The composite score of 35.7/100 places it at rank #4034 in our full universe.
No Moat
Very High
Poor
Fair Value
Stable competitive position in a defensive sector.
Leverage of 545% D/E amplifies downside risk.
Weak momentum suggests persistent institutional selling pressure.
Vulnerability to macroeconomic shocks and interest rate volatility.
Oscar Health, Inc. represents a avoid based on multi-factor quantitative performance.
Our quantitative model flags Oscar Health, Inc. with an Avoid rating, assigning a composite score of 35.7/100 and 1 out of 5 stars. Ranked #4034 of 7,333 stocks, OSCR falls in the bottom tier across key factors. Historically, stocks with this profile have faced elevated risk of underperformance and capital loss.
With a quality score of 45/100, OSCR shows adequate but unremarkable business quality. The company reports a return on equity of -14.8% (sector avg: 9.0%), gross margins of 13.0% (sector avg: 77.7%), net margins of -1.4% (sector avg: 21.9%). This suggests the company generates acceptable returns but may lack the competitive positioning or operational efficiency to stand out from peers.
With a value score of 30/100, OSCR appears somewhat expensive relative to its fundamentals. Key valuation metrics include a P/B ratio of 4.02x. Investors paying a premium here are likely betting on above-average growth or margin expansion to justify current prices.
Oscar Health, Inc.'s investment score of 25/100 suggests limited reinvestment activity. Key growth metrics include revenue growth of 34.5% vs. a sector average of 10.7% and a return on assets of -2.3% (sector: 1.3%). While this can be positive for mature, cash-generative businesses returning capital to shareholders, it may also signal a lack of growth opportunities or management conservatism.
OSCR is currently showing below-average momentum at 31/100, which may indicate weakening institutional interest or negative sentiment shifts. Revenue growth stands at 34.5% year-over-year, while a beta of 1.01 reflects its sensitivity to broader market moves. Investors should note that declining momentum can precede further price weakness, though contrarian opportunities sometimes emerge at these levels.
Oscar Health, Inc. registers a low stability score of 20/100, indicating high volatility and potentially stressed financial conditions. Key stability metrics include a beta of 1.01 and a debt-to-equity ratio of 545.00x (sector avg: 0.5x). Stocks at this level carry elevated capital loss risk and may be unsuitable for conservative portfolios without careful risk management.
The short interest score of 45/100 for OSCR suggests somewhat elevated bearish positioning by institutional traders. Specific risk factors include elevated leverage (D/E: 545.00x). With a $4.9B market cap (mid-cap), Oscar Health, Inc. may experience above-average volatility. Investors should consider whether the short thesis has merit or if it creates a potential short-squeeze opportunity.
Oscar Health, Inc. is a mid-cap company in the Finance, Insurance, And Real Estate sector, ranked #0 of 50 in its sector (100th percentile) and #4034 of 7,333 overall (45th percentile). Key comparisons include ROE of -14.8% trailing the 9.0% sector median and operating margins of -1.2% below the 18.1% sector average. This top-quartile standing reflects exceptional competitive strength relative to Finance, Insurance, And Real Estate peers.
While OSCR currently exhibits a AVOID profile, superior opportunities exist within the FINANCE, INSURANCE, AND REAL ESTATE sector. Our model identifies several "Strong Buy" candidates with higher quality scores and more attractive valuations among direct industry competitors.
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Improvement in Stability (20) would have the largest impact on the composite score.
ROE 264% BELOW SECTOR MEDIAN
Gross Margin 83% BELOW SECTOR MEDIAN
Op. Margin 106% BELOW SECTOR MEDIAN
Above 50MA
37.18%
Net New Highs
+51081
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