Skip to main content
OSCROscar Health, Inc.Sell5.8·$28.28-2.18%
Open full analysis

Oscar Health, Inc. (OSCR) Stock Analysis

SellVALUE-TRAP 2/5Moderate Confidence

Healthcare · Healthcare Plans

Sell if holding. Engine safety override at $28.28: a dimension score below its floor triggers a hard block regardless of the otherwise-positive setup — overall score 5.8/10. Specifically: Below-average business quality.

Oscar Health is a technology-enabled health insurer offering ACA marketplace plans in 18-20 US states to approximately 2.0 million effectuated members as of December 31, 2025. Revenue is substantially from health insurance premiums; 93% is collected from CMS via APTC and 7% from... Read more

$28.28+2.0% A.UpsideScore 5.8/10#3 of 11 Healthcare Plans
QualityF-score6 / 9FCF yield19.10%
Stop $26.28Target $28.83(resistance)A.R:R -2.0:1
Analyst target$22.60-20.1%10 analysts
$28.83our TP
$28.28price
$22.60mean
$13
$35

Sell if holding. Engine safety override at $28.28: a dimension score below its floor triggers a hard block regardless of the otherwise-positive setup — overall score 5.8/10. Specifically: Below-average business quality. Chart setup: No clear chart pattern; technical signals are mixed. Score 5.8/10, moderate confidence.

Passes 7/9 gates (positive momentum, clean insider activity, no SEC red flags, news events none recent, earnings proximity 57d clear, semi cycle peak clear, materials cycle peak clear). Fails on favorable risk/reward ratio and healthcare gov payer hard block. Suitability: aggressive.

news + 30-day 8-K events · 5-min refresh

Recent developments

updated 2026-06-14

Recent Developments — Oscar Health, Inc.

Generated 2026-06-15T18:11:46Z.

TrendMatrix Research · upcoming catalyst calendar

Upcoming dated catalysts

Mon, Aug 10, 202657d to earnings· next earnings call

Thesis

Rewards
No bull case signals
Risks
Healthcare gov-payer cliff: 93% of revenue from CMS (APTC premiums) (≥70% threshold). CMS rate-change exposure dominates.
Concentration risk — Customer: CMS (APTC premiums) (93.0%)
Concentration risk — Geographic: Florida

Key Metrics

P/E (TTM)
P/E (Fwd)19.3
Mkt Cap$8.5B
EV/EBITDA55.2
Profit Mgn-0.3%
ROE-2.6%
Rev Growth52.6%
Beta2.39
DividendNone
Rating analysts19

Quality Signals

Piotroski F6/9MoatNarrow

Options Flow

P/C0.76neutral
IV82%elevated
Max Pain$35+23.8% vs spot

Concentration Risks(10-K Item 1A)

  • HIGHCustomerCMS (APTC premiums)93%
    10-K Item 1: 'For the year ended December 31, 2025, 93% of premiums were earned directly from CMS and 7% were from our members.'
  • HIGHGeographicFlorida
    10-K Item 1: 'Florida| 1,179,934 ... Total| 2,042,449'

Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results.

Show full disclosure ▾

About TrendMatrix. TrendMatrix is a publisher of general securities research and market commentary. We publish on a regular schedule. All content is the same for every subscriber in a tier — we do not provide personalized investment advice and we do not take into account any individual subscriber's financial situation, investment objectives, risk tolerance, tax situation, or holdings.

Not investment advice. TrendMatrix is not a registered investment adviser. Our content is for informational and educational purposes only. Consult your own licensed investment adviser, broker, or tax professional before making any investment decision.

Conflicts and positions. The TrendMatrix editorial team frequently holds personal long-term positions in securities discussed. We disclose positions held at the time of publication on each piece. We maintain a trading-window policy: we do not initiate or close positions in the same direction as a TrendMatrix publication within 24 hours before or 72 hours after publication.

No paid promotion. TrendMatrix does not accept payment from any issuer, broker, or third party in exchange for coverage of any security. Our sole compensation is subscription revenue.

No fiduciary duty. No fiduciary, advisory, or agency relationship is created between you and TrendMatrix by reading our content or subscribing to our service.

Performance. Past performance is not indicative of future results. Performance figures reflect the published model only and do not reflect any individual subscriber's actual results.

Methodology · Editorial policy & full disclaimer

Rating Breakdown

2 floor-breakers·1 ceiling hit

Unprofitable operations — net margin -0.3%. Quality floor flags this regardless of sector context.static

Roe
0.0
Gross Margin
0.0
Net Margin
0.0
Roa
0.1
Current Ratio
4.3
Moat
5.8
Operating Margin
6.1
Piotroski F
6.7
Quality concerns

Technicals below the gate floor. Component breakdown shows what dragged the score down.static

Bollinger
0.9
Support Resistance
1.2
52w Position
9.2
GatesA.R:R -2.0=NEGATIVEHEALTHCARE GOV PAYER HARD BLOCKMomentum 6.3>=5.5Insider activity: OKNo SEC red flagsNEWS EVENTS NONE RECENTEARNINGS PROXIMITY 57d clearSEMI CYCLE PEAK CLEARMATERIALS CYCLE PEAK CLEARSuitability: Aggressive
RSI
70 · Overbought
20D MA 50D MA 200D MAGOLDEN CROSSSupport $20.09Resistance $29.42

Price Targets

$26
$29
A.Upside+1.9%
A.R:R-2.0:1

Position Sizing

ConvictionNone
Suggested %0.5%
Max %1%
RegimeSteady

Risk Alerts

! Target reached (-30.4% upside)
! Quality below floor (2.9 < 4.0)
! Value-trap signals (2/5): High leverage (D/E 3.4), Material insider selling (4 sells, 0.05% of cap)

Earnings

B
M
M
M
1/4 beats
Next Earnings2026-08-10 (57d)

Verdict History

reverse chrono — latest first
Loading history...
Verdicts are recorded on every nightly pipeline run. Rows capture transitions (verdict flips, score deltas ≥0.3, entry/TP/SL changes). Rows with a ▶ can be expanded to see the change reason. Aggregate cohort performance is tracked in the recommendation ledger.
Frequently Asked Questions
Is OSCR stock a buy right now?

Sell if holding. Engine safety override at $28.28: a dimension score below its floor triggers a hard block regardless of the otherwise-positive setup — overall score 5.8/10. Specifically: Below-average business quality. Chart setup: No clear chart pattern; technical signals are mixed. Prior stop was $26.28. Score 5.8/10, moderate confidence.

What is the OSCR stock price target?

Take-profit target: $28.83 (+2.0% upside). Prior stop was $26.28. Stop-loss: $26.28.

What are the risks of investing in OSCR?

Healthcare gov-payer cliff: 93% of revenue from CMS (APTC premiums) (≥70% threshold). CMS rate-change exposure dominates.; Concentration risk — Customer: CMS (APTC premiums) (93.0%); Concentration risk — Geographic: Florida.

Is OSCR overvalued or undervalued?

Oscar Health, Inc. trades at a P/E of N/A (forward 19.3). TrendMatrix value score: 7.9/10. Verdict: Sell.

What do analysts say about OSCR?

19 analysts cover OSCR with a consensus score of 3.4/5. Average price target: $23.

What does Oscar Health, Inc. do?Oscar Health is a technology-enabled health insurer offering ACA marketplace plans in 18-20 US states to approximately...

Oscar Health is a technology-enabled health insurer offering ACA marketplace plans in 18-20 US states to approximately 2.0 million effectuated members as of December 31, 2025. Revenue is substantially from health insurance premiums; 93% is collected from CMS via APTC and 7% from members directly.

Related stocks: ALHC (Alignment Healthcare, Inc.) · CI (The Cigna Group) · CLOV (Clover Health Investments, Corp) · PGNY (Progyny, Inc.) · HUM (Humana Inc.)
Home Stocks OSCR

Latest news

Latest News

Benzinga3d ago
Benzinga5d agoAnalyst
Benzinga5d ago
Benzinga7d ago
Benzinga11d ago
Benzinga39d agoAnalyst
Benzinga39d agoAnalyst
Benzinga39d agoAnalyst
Benzinga40d agoEarnings
Benzinga40d ago
Benzinga40d agoAnalyst
Benzinga40d agoEarnings
Benzinga41d agoEarnings
Benzinga41d agoEarnings
Benzinga45d ago
Benzinga55d agoLeadership Change
Benzinga56d agoAnalyst
Benzinga57d agoProduct
Benzinga66d ago
Benzinga68d agoEarnings