OSCAR HEALTH INC CLASS A (OSCR)
Financials · Health Insurance · NYSE
A technology-first health insurance company providing simplified health plan experiences through a proprietary digital platform.
What OSCAR HEALTH INC CLASS A does
Oscar Health, Inc. is a technology-driven health insurance company that provides individual, family, and small group health insurance plans. The company operates as a Health Maintenance Organization (HMO) and insurance provider, leveraging its proprietary technology platform to manage medical care, member experience, and administrative costs.
Themes: health insurance technology, ACA-compliant health plans, digital health platform, managed care
Fundamentals
- Price$33.10 as of 2026-10-08 close
- Market cap$10.2B as of 2026-07-31 (share count; price 2026-10-08)
- 1-year return+51.8% 2025-10-08 close $21.80 → 2026-10-08 close $33.10
- P/E24.17 as of 2026-10-08
- Net margin-3.8% FY2025, SEC XBRL
- ROE-45.2% FY2025, SEC XBRL
- Debt / equity0.21 as of 2026-09-02
- Revenue growth (YoY)+42.8% as of 2026-09-02
- Revenue CAGR (3y)+43.5% SEC XBRL
- Beta0.93 as of 2026-09-02
- Last reported earnings2026-08-06 SEC EDGAR Form 8-K (Item 2.02)
How OSCR compares in its sector
- price-to-earnings ratiotop 25% 513 covered Financials peers, as of 2026-10-08
- net profit marginbottom 10% 344 covered Financials peers, as of 2026-09-02
- operating marginbottom 25% 122 covered Financials peers, as of 2026-09-02
- return on equitybottom 10% 559 covered Financials peers, as of 2026-09-02
- 3-year revenue CAGRtop 10% 347 covered Financials peers
- free cash flow (absolute dollars, latest fiscal year)top 25% 430 covered Financials peers, as of FY2025
Position among covered Financials companies that report each metric (minimum 5 peers). A relative position within our covered catalog — not a valuation, quality, or investment judgment. A higher percentile is simply a higher value (for P/E, more expensive on earnings — never "better"). Informational only.
Top 10 scores & list membership
OSCR is not currently in any published Top 10 list. Its scores are below.
Top 10 score
54.9 #473 of 1,379 scored · #139 of 220 in Financials
Growth 95th (3-year revenue CAGR 43.5%, revenue growth year over year 42.8%) and trend 84th (trading above its 200-day average); weakest is profitability (8th, return on equity -45.2%, operating margin -3.4%).
Scores as of 8 Oct 2026. Each bar is a percentile: how this company ranked against every company the score ranked, 0–100. A list is a published formula and its output, not a recommendation. Method version 4.
How OSCAR HEALTH INC CLASS A looks technically
OSCAR HEALTH INC CLASS A (OSCR) is trading 48.6% above its 200-day average, the long-term trend line — a longer-term uptrend. Its 50-day average crossed above its 200-day average about 97 trading days ago — a "golden cross", a bullish long-term signal. There is no clear trend right now — the price is choppy (ADX, a 0–100 trend-strength gauge, is 17, below the 25 that marks a real trend). Momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 60, neither overbought (above 70) nor oversold (below 30). MACD, a trend-momentum gauge, turned bullish about 4 trading days ago (its momentum flipped positive). It made a new 20-day low about 11 trading days ago. It is 4.0% below its 52-week high (its highest price of the past year).
Trend
7
| Distance from the 200-day | it is trading 48.6% above its 200-day average, the long-term trend line — a longer-term uptrend | +48.6% |
|---|---|---|
| 50-day moving average | its average price over the last 50 trading days — a short-term trend line — is $31.01 | $31.01 |
| 200-day moving average | its average price over the last 200 trading days — the long-term trend line — is $22.28 | $22.28 |
| Swing structure | its recent peaks and dips disagree — one of them is rising while the other is not, so there is no clean up or down pattern in the swings | mixed — one of the two is not confirming |
| Last swing turn | its last significant turn was a swing low 14 calendar days ago — the swings before that are what the structure reading is measured on | 14 sessions |
| Since the 50/200 cross | its 50-day average crossed above its 200-day average about 97 trading days ago — a "golden cross", a bullish long-term signal | 97 sessions |
| Trend strength (14-day ADX) | there is no clear trend right now — the price is choppy (ADX, a 0–100 trend-strength gauge, is 17, below the 25 that marks a real trend) | 16.6 |
Momentum
3
| 14-day RSI | momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 60, neither overbought (above 70) nor oversold (below 30) | 60.2 |
|---|---|---|
| Position in its 14-day range | it is trading near the top of its 14-day range ($28.30 to $33.51) — its "stochastic" reading is 92 out of 100, where 0 would mean closing exactly at the 14-session low and 100 exactly at the high. This measures WHERE the price sits inside its recent range, which is a different question from the RSI beside it: RSI is a momentum gauge, measuring how FAST the price has been moving, so a stock can drift quietly to the bottom of its range with an ordinary RSI, or fall sharply and still sit in the middle. It has been climbing within that range over the last few sessions. | 92.1 |
| Since the MACD crossed zero | MACD, a trend-momentum gauge, turned bullish about 4 trading days ago (its momentum flipped positive) | 4 sessions |
Range
12
| 52-week high | its highest closing price over the past year (about 252 trading days) was $34.48 | $34.48 |
|---|---|---|
| From the 52-week high | it is 4.0% below its 52-week high (its highest price of the past year) | -4.0% |
| Above the 52-week low | it is 209.6% above its 52-week low (its lowest price of the past year) | +209.6% |
| Below the 52-week high | it is 4.0% below its highest point of the past year | 4.0% |
| Since a 20-day breakout | it made a new 20-day low about 11 trading days ago | 11 sessions |
| Since a 55-day breakout | it made a new 55-day high about 19 trading days ago | 19 sessions |
| All-time high | its highest closing price on record is $37.00 (set on 2021-03-10) | $37.00 |
| Given back of the 52-week move | over the past year its closes ranged ($10.85 to $33.81), and it has given back only a small part of its rise from last year’s low — 3% of it. Chart-watchers call 61.8%-65% given back the "golden pocket" — for this company that is $18.89 to $19.62. It is watched widely enough that orders cluster there, which is the honest reason it matters; it is not a forecast. | 3.1% |
| From the all-time high | it is 10.5% below its all-time high | -10.5% |
| Nearest price level | it is trading 0.7% below a resistance level at $33.32 — a price it turned at twice since 2026-07-02, most recently on 2026-08-24. Since 2024-10-08 it has 18 such levels below the current price and 1 above. Levels like these describe where the price has reversed or paused before; they are not a forecast of where it will go. | +0.7% |
| All-time low | its lowest closing price on record is $2.05 (set on 2022-12-22) | $2.05 |
| Above the all-time low | it is 1514.6% above its all-time low | +1,515% |
Volatility
5
| Band width vs its own 6 months | day-to-day price swings are about average versus its own recent 6-month history | 33rd percentile |
|---|---|---|
| Typical daily range | in a typical session it travels about $1.58 between its high and its low — about 4.8% of its price. That is its "average true range" over the last 14 sessions, which also counts the distance from the previous close, so a day that opens well away from yesterday counts as the large move it was | $1.58 |
| Bollinger bands (20-day, ±2σ) | most of its recent trading has stayed between about $28.69 and $34.14 — the "Bollinger bands", a range drawn two standard deviations either side of its 20-day average price, which widens when the stock gets more volatile and narrows when it settles | $28.69 – $31.42 – $34.14 |
| Typical daily range (% of price) | its price moves about 4.8% in a typical session — about typical for the companies we cover. This is the average gap between a session's high and low over the last 14 sessions, counting overnight moves, expressed against the current price so it can be compared with companies trading at any price | 4.8% |
| Stretch from the 200-day average | it is trading 6.9 daily ranges above its 200-day average price (48.6% above it in plain percentage terms) — a way of asking how far it has stretched from its own average in units of how far it normally moves in a day, so a calm company and a jumpy one can be compared on the same scale | 6.9 daily ranges above its 200-day average |
Volume
1
| Volume vs its 30-day average | trading volume is about normal versus its 30-day average | 0.79× |
|---|
Analyst
2
| Change in the average price target | analysts' average price target is unchanged from the prior reading | 0.0% |
|---|---|---|
| Change in the consensus rating | the analyst consensus rating is unchanged since the prior reading | unchanged |
Candlestick patterns
3
| Since a doji | 7 sessions ago it opened and closed at almost the same price after trading through a wider range — a "doji", the classic picture of buyers and sellers finishing the session level | 7 sessions ago |
|---|---|---|
| Since a hammer | 7 sessions ago, after a stretch of decline, it sold off hard during the session and then closed back near its high — a "hammer", the long lower wick showing the drop was bought back before the close | 7 sessions ago |
| Since a bullish engulfing | 1 session ago it opened below the previous session's close and finished above that session's open — a "bullish engulfing" pair, where one up day more than undid the down day before it | 1 session ago |
Price gaps
2
| Gap at the open | it opened on 2026-10-08 0.5% below the previous session's close — an overnight gap, the part of the move that happened while the market was shut, and traded back through that level before the close | -0.5% |
|---|---|---|
| Gap filled | a 3.5% gap down opened on 2026-09-21 has been "filled" 13 sessions ago — price traded back through the level the gap left behind, and it closed again during the very session that opened it | 13 sessions ago |
Price streaks
1
| Closing streak | it has closed higher 2 sessions in a row, a +2.35% move over the run — an unbroken run of up days, which describes what has already happened and says nothing about the next session | 2 sessions up |
|---|
Relative strength
4
| vs market, 1 month | over the past 1 month this stock lagged the market by 0.8 percentage points (the stock gained 0.3% while the market gained 1.0%) | -0.8% |
|---|---|---|
| vs market, 3 months | over the past 3 months this stock beat the market by 3.6 percentage points (the stock gained 7.4% while the market gained 3.8%) | +3.6% |
| vs market, 6 months | over the past 6 months this stock beat the market by 142.0 percentage points (the stock gained 159.4% while the market gained 17.5%) | +141.9% |
| vs market, 12 months | over the past 12 months this stock beat the market by 36.9 percentage points (the stock gained 51.8% while the market gained 15.0%) | +36.9% |
Signal agreement
2
| Bullish technical signals | 5 of the 9 technical signals we can compute for it are currently in a bullish state: a "golden cross" — its 50-day average is above its 200-day, trading above its 200-day average, MACD momentum is positive, outperforming the market over 6 months, trading above the Ichimoku cloud — these describe past price behaviour, not a forecast | 5 of 9 |
|---|---|---|
| Bearish technical signals | 1 of the 9 technical signals we can compute for it is currently in a bearish state: near the top of its 14-day range (overbought) — these describe past price behaviour, not a forecast | 1 of 9 |
Trend (Ichimoku cloud)
1
| Vs the Ichimoku cloud | trading 8.9% above the Ichimoku cloud — a band drawn from where its own highs and lows sat up to 2026-09-01 and projected forward over today's price, the side traders read as an established uptrend, with the band below acting as the level that would have to give way. The band itself is moderate, spanning 2.8% of the share price. | +8.9% |
|---|
Volume-weighted price
2
| Vs this year’s average price paid | the price is 54% above the average price paid so far this year, so the typical buyer over that stretch is showing a gain. That average is $21.47 — a volume-weighted average of daily closes over 193 sessions, not a true tick-by-tick VWAP. | +54.2% |
|---|---|---|
| Vs the average paid since it last reported | the price is 8% above the average price paid since it last reported on 2026-08-06 (its 8-K), so the typical buyer over that stretch is showing a gain. That average is $30.78 — a volume-weighted average of daily closes over 45 sessions, not a true tick-by-tick VWAP. | +7.5% |
Rising wedge, bearish — broke down · entry $32.21 · 51 sessions in
Price levels it has turned at before
OSCR last closed at $33.10 on 2026-10-08. Since 2024-10-08 it has turned at 18 prices below its last close and 1 above; the 3 nearest below and the nearest above are listed, nearest first.
| Level | Side | Distance | Evidence |
|---|---|---|---|
| $33.32 | Resistance | 0.7% above the last close | turned there twice · 2026-07-02 to 2026-08-24 |
| $32.13 | Support | 2.9% below the last close | turned there twice · 2026-07-14 to 2026-07-29 |
| $27.81 | Support | 16.0% below the last close | turned there three times · 2026-06-30 to 2026-07-28 |
| $25.48 | Support | 23.0% below the last close | turned there twice · 2026-05-18 to 2026-08-07 |
A level is a price this company reversed or paused at more than once — they describe past behaviour, not a forecast of where the price will go.
Wave structure
No Elliott-wave labelling currently fits its swings: the recent highs and lows do not satisfy the three rules a five-wave count has to obey, so there is no count to show rather than a count we are unsure about.
Read from daily closes as of 2026-10-08.
An Elliott-wave count describes the swings already printed and the level that would disprove it. It is not a forecast, a target, or advice.
Screens: Trading above the 200-day moving average · MACD just crossed bullish (12/26/9) · trendless / choppy (low ADX) · beating the market · Stretched far above its 200-day average (6+ daily ranges) · At the top of its 14-day range (stochastic above 80) | Learn: moving average · golden cross · adx · rsi · macd · breakout · fifty two week high low
Based on daily closing prices as of 2026-10-08. Describes past price behavior only — informational, not financial advice.
Analyst consensus
- Consensus ratingHold (2.82 mean, 1=Strong Buy…5=Strong Sell) — 10 analysts
- Mean price target$35.40 range $26.00 – $49.00; median $33.50
Analyst estimates, as of 2026-10-04. These are third-party analyst opinions and price targets, aggregated — not a recommendation, prediction, or advice from stocks-llm. Informational only.
Analyst EPS estimate for OSCR
- Consensus EPS estimate-$0.1677 next reporting period, as of 2026-10-04
- Estimate change, 30 days+$0.07828 from -$0.246, on 2026-08-30, 35-day window
- Readings revised upward20% of 5 comparable readings
The consensus estimate for the next reporting period, and how it has moved between readings of that SAME period. A change is measured only between readings estimating one period — when a company reports, the consensus moves to the next quarter and the two numbers are not comparable. Informational only, not a forecast and not advice.
Key risks (from latest filing)
["Reliance on the Affordable Care Act (ACA) regulatory environment, including subsidies and premium tax credits.","Inability to accurately estimate medical expenses or manage medical and administrative costs.","Strict and complex regulatory requirements regarding capital reserves, surplus, and health insurance operations."]
What changed in the latest 10-Q
AI-assisted comparison of OSCR's 10-Q filed 2026-05-07 against the prior one filed 2025-11-06.
Management's Discussion & Analysis (MD&A)
- Added:
- Newer filing references 10-K filed February 13, 2026 for year ended December 31, 2025; older filing referenced 10-K filed February 20, 2025 for year ended December 31, 2024
- Newer filing states approximately 3.2 million effectuated members as of March 31, 2026, representing ~56% increase vs. March 31, 2025
- Newer filing describes three wholly owned businesses as 'Marketplace Subsidiaries' with updated names: Lucie, Inc. (formerly INSXCloud), Trove Group Inc. (formerly IHC Specialty Benefits), and HealthInsurance.org, LLC
- Newer filing includes discussion of eAPTCs expiring at end of 2025 causing reduced marketplace participation and Company membership after 2026 OEP
- Newer filing references One Big Beautiful Bill Act (OBBBA) signed July 4, 2025, limiting APTC eligibility for certain populations
- Newer filing notes litigation (City of Columbus vs. Kennedy) did not conclude before 2026 and stayed provisions were not in effect
- Removed:
- Older filing's statement that 'In May 2025, the Company purchased 100% of the equity interests in three businesses' is removed from newer filing (replaced with 'wholly owns')
- Older filing's statement 'If Congress does not take action, the enhanced APTCs will expire at the end of 2025' and 'If the enhanced APTCs are not renewed, insurance coverage could become unaffordable' are removed (now stated as completed fact)
- Older filing's statement 'We do not expect that the litigation will conclude before 2026 and CMS has confirmed that the stayed provisions will not be in effect during the 2026 open enrollment period' is removed
- Older filing's reference to 'shorter open enrollment periods' without additional detail removed; newer specifies 'shorter OEPs'
- Older filing references approximately 2.1 million effectuated members as of September 30, 2025
- Reworded:
- Section heading changed from 'Regulatory Developments and Trends' to 'Regulatory Update'
- Older filing describes businesses as purchased acquisitions; newer filing describes them as wholly owned subsidiaries with collective reference to 'Marketplace Subsidiaries'
- Older filing text 'Net income (loss) attributable to Oscar Health, Inc.' changed to 'Net Income Attributable to Oscar Health, Inc.' and related description adjusted to remove parenthetical '(loss)' reference
- Older filing 'Earnings (loss) from Operations' changed to 'Earnings from Operations' in newer filing
- Older filing states eAPTCs 'will expire at the end of 2025'; newer filing states they 'expired at the end of 2025'
- Regulatory discussion reorganized: older filing presented as conditional scenarios; newer filing presents as realized events and regulatory rules already in effect
- Older filing capitalized section metric names inconsistently (e.g., 'Total revenue'); newer filing uses lowercase/title case more consistently (e.g., 'total revenue')
- Notes:
- The newer filing text appears truncated at the end of the provided excerpt, cutting off mid-sentence regarding the stayed provisions
- Comparison of complete regulatory sections limited by truncation of newer filing content
AI-assisted comparison of two SEC filing sections. It describes wording and theme changes only, makes no materiality, legal, or investment judgement, and is not financial advice. Informational only — not financial advice.
Insider activity (SEC Form 4)
0 open-market purchases and 9 open-market sales by insiders in the last 90 days, of which we have read Form 4 filings through 2026-10-04. The 5 days since 2026-10-04 have not been checked yet.
- Last 30 days · read to 2026-10-040 buys · 1 sell ($806000) — 1 selling insider
- Last 90 days · read to 2026-10-040 buys · 9 sells ($27M) — 6 selling insiders
- Last 180 days · read to 2026-10-040 buys · 45 sells ($136M) — 7 selling insiders
Activity heuristic: net selling (a transparent product heuristic from the counts above, not a prediction or advice)
Most recent open-market transaction: 2026-09-18. Based on Form 4 filings read through 2026-10-04; anything filed since is not yet included.
View full insider trading history → View SEC Form 3/4/5 filingsAsk about OSCR's insider activity →
Only open-market purchases (SEC code P) and sales (code S) are counted here. Option exercises, vesting/awards, gifts, and shares withheld for taxes are excluded — they are compensation or mechanical, not open-market conviction. Sales may be planned and non-discretionary (e.g. a Rule 10b5-1 plan) and are not necessarily bearish; open-market buying is not a recommendation to buy. Informational only — not financial advice.
Institutional ownership (13F)
6 institutional 13F filers reported holding OSCR as of 2026-06-30 (quarter-end position, filed within 45 days).
- Distinct 13F filers 6
- Reported shares held 51,544,410
- Reported value $1,470,046,561
reported quarterly holdings change (2026-03-31 → 2026-06-30): 2 new, 4 increased, 0 decreased, 0 exited. Change counts cover only managers that filed 13F reports in BOTH quarters, derived between two quarter-end snapshots — not same-day trades; a single manager is never said to have "bought" or "sold".
Institutional holdings are quarter-end long positions reported on SEC Form 13F-HR, filed up to 45 days after the quarter ends — they are delayed, are not real-time trades, exclude short positions and most non-US securities, and are not investment advice. Any increase/decrease is a reported change between two quarterly snapshots, not a same-day purchase or sale. These are quarter-end snapshots from the 13F filings on SEC EDGAR, filed within 45 days — not real-time, and any change is a difference between two quarterly reports, not a same-day trade. Informational only — not financial advice.
Ask about OSCR's institutional holders → See what each manager we track holds →
Short interest (FINRA)
OSCR had 17,770,151 shares of reported short interest as of the 2026-09-15 FINRA settlement date (delayed, bi-monthly; not real-time).
Short interest as a percent of shares outstanding is not shown for OSCR because we do not hold a verified share count to divide it by. The reported figures above are unaffected.
- Reported short interest (shares) 17,770,151
- Prior settlement (shares) 16,364,378
- Reported change 8.59%
- Days to cover (reported) 3.65
Reported to FINRA as of the 2026-09-15 settlement date. Short interest is reported to FINRA and published on a delayed, bi-monthly schedule (as of a settlement date, disseminated roughly eight business days later) — it is NOT real-time, does not cover every venue or all US trading, and is not a short-squeeze prediction or investment advice. Days-to-cover is the value FINRA reports; percent of float is not shown because the source file carries no share-count denominator — where a percent appears it is of shares OUTSTANDING, the larger base, and is therefore a floor on percent of float. Informational only — not financial advice.
Competitors & peers
- UnitedHealth Group (UNH)
- Cigna Group (CI)
- CVS Health (Aetna) (CVS)
- Elevance Health (ELV)
- Centene (CNC)
- Humana (HUM)
AI-enriched competitor set. Linked names are companies covered by stocks-llm; other named peers are shown for reference only.
Compare OSCR vs…
Frequently asked questions
What does OSCAR HEALTH INC CLASS A (OSCR) do?
Oscar Health, Inc. is a technology-driven health insurance company that provides individual, family, and small group health insurance plans. The company operates as a Health Maintenance Organization (HMO) and insurance provider, leveraging its proprietary technology platform to manage medical care, member experience, and administrative costs.
What sector is OSCAR HEALTH INC CLASS A (OSCR) in?
OSCAR HEALTH INC CLASS A (OSCR) is classified in the Financials sector. Its industry is Health Insurance. It trades on NYSE.
Who are OSCAR HEALTH INC CLASS A's (OSCR) competitors?
Notable peers of OSCAR HEALTH INC CLASS A (OSCR) include UnitedHealth Group, Cigna Group, CVS Health (Aetna), Elevance Health and Centene. This peer set is informational only — not financial advice.
Is OSCAR HEALTH INC CLASS A (OSCR) overbought or oversold right now?
OSCAR HEALTH INC CLASS A (OSCR) is currently neither overbought nor oversold — its 14-day RSI (a 0–100 momentum gauge) is 60, in the neutral middle (as of 2026-10-08). RSI describes recent price momentum, not a forecast — informational only, not financial advice.
Where does stocks-llm's data on OSCR come from?
Fundamentals come from SEC XBRL company filings for the figures marked with a fiscal year, and market data, as of 2026-09-02 for the rest; prices are market data, as of 2026-09-02; company filings and profile facts come from SEC EDGAR. All figures are delayed daily-close data shown with their as-of date — informational only, not financial advice.
Fundamentals: SEC XBRL company filings for the figures marked with a fiscal year, and market data, as of 2026-09-02 for the rest. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-10-08.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & market data, shown with their as-of date.