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Oscar Health Inc. (OSCR) 12-Month Stock Forecast & Price Target Cone

$31.00 +2.07% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $31.06

Oscar Health Inc. (OSCR) carries a Roarable Rating of D+ (Sell) with 53/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.

ROARABLE D+ • SELL / AVOID Cap $9.37B
📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
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🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is OSCR stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
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As of 2026-11-03, Oscar Health Inc. (NYSE: OSCR) is rated D+ (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 53/100 at a spot price of $31.00 (+2.07% 1D, market cap $9.37B). Pillar breakdown: Fundamental Cash Engine 8/20, Institutional 13F & Options Flow 11/20, SEC Balance-Sheet Forensics 8/20, FRED Macro Regime Fit 13/20, and Executive Insider Alignment 13/20. Across 1015 tracked Health Care issuers, OSCR ranks #225 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does OSCR compare to HSIC and CAI in the Health Care sector?
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Within the Health Care sector (Medical Specialities), OSCR carries a Roarable D+ (53/100 RQD), trailing P/E of N/A, gross margin of —, and ROIC of -35.0%. By comparison, HSIC (Henry Schein Inc.) holds a D+ grade (58/100 RQD, P/E 23.0x, ROIC 11.2%, cap $9.46B) and CAI (Caris Life Sciences Inc.) posts a B grade (73/100 RQD, P/E N/A, ROIC 4.4%, cap $9.70B). Among the 5-stock peer group, MOH leads on earnings multiple (22.0x) while MOH leads on capital efficiency (17.2% ROIC).

✓ Pre-computed one-to-many AI Quant brief
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for OSCR?
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Per OSCR's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001568651), Oscar Health Inc. generated $28.6M in revenue (+39.0% YoY), -$443.2M in net income, and $1.09B in free cash flow against $6.33B in total assets and $430.1M in total debt. Key quantitative strengths: Established market leader in Health Care with deep daily trading liquidity. Primary risk factors monitored: Recent SEC filings added new risk-factor disclosures that warrant keeping an eye on margins. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief
🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
🛡️ Portfolio Crash X-Ray
EXT / AFTER-HRS: $31.06 (+0.18%)🧬 Cannibal Buyback (-1.52% YoY Shares)⚙️ Cash Engine: 8/20 (D-) • 3824.6% FCF Margin
Verify 90D Bucket Audit →
📊 Historical Track Record: Scores of 53/100 (D+) historically posted market-perform odds over rolling 90-day windows (-0.9% avg 90D alpha vs SPY • 50.6% hit rate — wait for RQD ≥ 70 breakout).
Audit Bucket Track Record →
RQD QUANT TACHOMETERSELL / AVOID • D+
025507510053
2-of-3 JEV AI Jury Bearish Warning
Cash
SEC
Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw D+ · Rk D+
Cash (8)Whales (11)SEC (8)Macro (13)CEO (13)
Each axis scored 0–20
12M PRICE TARGET CONE-2.3% Base Target
$37 Bull$30 Base$24 Bear
📬 FREE OSCR RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for OSCR)Realized 20D OHLCV Swing Band: ±8.5%
Deterministic 5-Pillar Attribution (53/100 Composite)
🔍 WHY OSCR SCORES 53/100 (D+) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: Macro Regime Fit+13/20 pts (25% of score)

FRED Regime × Technicals: 84% of 52W Range • RSI-14 at 41.9 (NEUTRAL RANGE)

▲ #2 Bullish Driver: Insider Conviction & Share Dilution+13/20 pts (25% of score)

SEC Form 4 / 13F Thermometer: 65% Net Buy • Cannibal Buyback (-1.52% YoY Shares)

▼ #1 Drag / Risk Factor: SEC 10-K Forensic Risk8/20 pts (-12 pt drag)

Balance-sheet & 10-K footnote risk deducts 12 pts from forensic ceiling

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)
61
Grade C$34.32-2.5% Next Q
Q2 (-2Q)
58
Grade C$33.45-8.9% Next Q
Q3 (-1Q)
56
Grade C$30.48+1.7% Next Q
Current
53
Grade D+$31.00-0.9% Hist 90D α
Trajectory: C (61) → D+ (53)Full Audit →
⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)CONTRARIAN TURNAROUND & SHORT-SQUEEZE DOSSIER

⚔️ Adversarial Opposing Case: What Could Spark a OSCR Turnaround Squeeze

Gideon Ashmere Forensic Desk →

While OSCR currently carries a cautious 53/100 (D+) rating due to SEC 10-K Forensic Risk (8/20), shorts face asymmetric squeeze risk if free cash flow inflects or management executes accretive buybacks.

🚀 Contrarian Squeeze Trigger #1

Established market leader in Health Care with deep daily trading liquidity.

🚀 Contrarian Squeeze Trigger #2

Options & Short-Covering Gamma: Reclaiming the 50-day SMA ($31.66) and Max Pain ($32.55) forces dealer call-delta covering toward $36.76.

🚀 Contrarian Squeeze Trigger #3

Forensic Repair Trigger: Halting share dilution (Cannibal Buyback (-1.52% YoY Shares)) or retiring high-cost debt immediately upgrades the SEC 10-K Forensic pillar.

🎲 LIVE PREDICTION MARKET ODDS TIED TO $OSCR• $2.4M Crowd Pool • Kalshi / Polymarket Composite
Contract: “OSCR Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”
YES 53%NO 47%Trade / Inspect Odds →
INTERACTIVE 12-MONTH POSITION SIMULATOR

Drag to Test Your OSCR Position Size: $10,000

Shares at $31.00: 322.6 sh
$1,000$10,000$25,000$50,000$100,000
12M Bear Case FloorTarget $23.63
$7,623
$-2,377 (-23.8%)
12M Consensus BaseTarget $30.30
$9,774
$-226 (-2.3%)
12M Bull Case BreakoutTarget $36.76
$11,858
+$1,858 (+18.6%)

Wall Street Analyst Breakdown & Historical Accuracy Audit (32 Desks)

Street Historical Accuracy: 64/100
● Strong Buy / Buy: 17● Hold: 9● Sell: 6
Wall Street FirmStance12M Target1Y AccuracyTrack Grade
Morgan StanleyInstitutional Equity DeskHOLD$3274%A
Goldman SachsSector Coverage LeadUNDERPERFORM$3569%B
JP MorganUS Large-Cap ResearchSELL$2758%C
ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring OSCR)

  • ✓Walkthrough of OSCR's RQD Radar, SEC cash-conversion gap & downside invalidation levels
  • ✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
  • ✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks
RQD INSIDER CLUB WAITLIST$49/YR PLANNED
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OSCR // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +66.94%🛡️ HOLDING TREND SUPPORT
2026-11-03O $30.79H $31.00L $30.37C $31.00VOL 3.64M
RES: $35.44SUP: $30.17SMA50: $31.66SMA200: $23.81
$36.46$30.44$24.42$18.40$12.38RES $35.44SUP $30.17$31.002026-05-042026-06-182026-08-052026-09-212026-11-03
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

OSCR Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 OSCR Butterfly Map → + Track OSCR →
Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle
16.8%/yr Implied 5Y Growth

vs. +39.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on OSCR today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for OSCR. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for OSCR today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (OSCR)

Health Care Rank #225 of 1015 ⚔️ HSIC vs OSCR Full Matrix →

1. Head-to-Head Health Care Peer Comparison (OSCR vs. HSIC, CAI, MOH, GRAL)

Industry: Medical Specialities (41 Tracked Issuers)

Across 1015 tracked Health Care securities in the Roarable RQD universe, Oscar Health Inc. (OSCR) ranks #225 by composite RQD confidence (53/100, grade D+) and #116 by equity capitalization ($9.37B). Within this direct 5-issuer industry benchmark cohort, MOH leads on earnings valuation at 22.0x trailing P/E, while MOH leads on capital efficiency and profitability with 17.2% ROIC and 13.1% gross margin. CAI currently holds the highest overall quantitative score in the immediate peer group at 73/100 (B) compared with OSCR at 53/100 (D+).

Ticker / Company Roarable Grade RQD Score Trailing P/E Gross Margin ROIC 1D Change Market Cap Head-to-Head
OSCR ACTIVE
Oscar Health Inc.
D+ 53/100 — — -35.0% +2.07% $9.37B Benchmark Subject
HSIC
Henry Schein Inc.
D+ 58/100 23.0x 31.1% 11.2% +2.05% $9.46B /hsic-vs-oscr →
CAI
Caris Life Sciences Inc.
B 73/100 — — 4.4% -6.50% $9.70B /cai-vs-oscr →
MOH
Molina Healthcare Inc
D+ 57/100 22.0x 13.1% 17.2% +1.79% $10.69B /moh-vs-oscr →
GRAL
GRAIL Inc.
D+ 54/100 — — -18.0% -6.74% $6.41B /gral-vs-oscr →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001568651 ↗

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Oscar Health Inc. (OSCR) reported GAAP revenue of $28.6M (+39.0% vs. FY2024 revenue of $20.6M , and +33.9% cumulative change since FY2023) , GAAP net income of -$443.2M, operating cash flow of $1.09B, and free cash flow of $1.09B (+11.9% YoY). On the balance sheet, OSCR closed FY2025 with $6.33B in total assets against $430.1M in total debt (Altman Z-Score: 0.45, Piotroski F-Score: 6/9).

Fiscal Period Filing Date Revenue Net Income Operating Cash Flow Free Cash Flow Total Assets Total Debt
FY2025 (FY) 2025-12-31 $28.6M -$443.2M $1.09B $1.09B $6.33B $430.1M
FY2024 (FY) 2024-12-31 $20.6M $25.4M $978.2M $977.3M $4.84B $299.6M
FY2023 (FY) 2023-12-31 $21.4M -$270.7M -$272.2M -$273.1M $5.23B $1.22B

3. OSCR Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is OSCR stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-03, Oscar Health Inc. (NYSE: OSCR) is rated D+ (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 53/100 at a spot price of $31.00 (+2.07% 1D, market cap $9.37B). Pillar breakdown: Fundamental Cash Engine 8/20, Institutional 13F & Options Flow 11/20, SEC Balance-Sheet Forensics 8/20, FRED Macro Regime Fit 13/20, and Executive Insider Alignment 13/20. Across 1015 tracked Health Care issuers, OSCR ranks #225 in composite RQD confidence.

How does OSCR compare to HSIC and CAI in the Health Care sector?

Within the Health Care sector (Medical Specialities), OSCR carries a Roarable D+ (53/100 RQD), trailing P/E of N/A, gross margin of —, and ROIC of -35.0%. By comparison, HSIC (Henry Schein Inc.) holds a D+ grade (58/100 RQD, P/E 23.0x, ROIC 11.2%, cap $9.46B) and CAI (Caris Life Sciences Inc.) posts a B grade (73/100 RQD, P/E N/A, ROIC 4.4%, cap $9.70B). Among the 5-stock peer group, MOH leads on earnings multiple (22.0x) while MOH leads on capital efficiency (17.2% ROIC).

What are the biggest fundamental strengths and SEC risk factors for OSCR?

Per OSCR's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001568651), Oscar Health Inc. generated $28.6M in revenue (+39.0% YoY), -$443.2M in net income, and $1.09B in free cash flow against $6.33B in total assets and $430.1M in total debt. Key quantitative strengths: Established market leader in Health Care with deep daily trading liquidity. Primary risk factors monitored: Recent SEC filings added new risk-factor disclosures that warrant keeping an eye on margins. Institutional options positioning shows a 50% call / 50% put premium split.

Where is OSCR trading relative to its 50-day, 200-day, and 52-week technical levels?

OSCR last traded at $31.00 (+2.07% on volume of 4,459,403 shares), positioning the stock -2.08% below its 50-day simple moving average ($31.66) and +30.20% above its 200-day simple moving average ($23.81). Across its 52-week range of $10.69 to $35.01, OSCR sits at the 83.5% percentile with a 14-day RSI of 41.9 (NEUTRAL RANGE) and an implied next-earnings move of ±8.5% ($28.37 to $33.63).

Direct Sub-Reports: OSCR RQD Cockpit OSCR 12M Forecast OSCR Earnings & Move OSCR Dividends & DRIP OSCR Insiders & 13F OSCR Whale Options OSCR Profit Sankey OSCR News & Why
ROARABLE RATING BRIEF • RQD 53/100 (D+) ✓ SEC XBRL & RQD VERIFIED

OSCR — Oscar Health Inc.: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2025-12-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

Oscar Health Inc. (OSCR) earns a live Roarable RQD composite score of 53/100, corresponding to a D+ letter grade (Roarable Sell) at a spot price of $31.00 (+2.07% 1D, market capitalization $9.37B).

  • Fundamental Cash Engine (8/20): Anchored by return on invested capital (ROIC) of -35.0%, gross margin of —, operating margin of -60.0%, and free cash flow yield of 11.51%.
  • Whale 13F & Options Flow (11/20) + Insider Conviction (13/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
  • Macro Regime Fit (13/20) + Forensic Balance Sheet (8/20): Incorporates a 0.97x equity beta, Altman Z-Score of 0.45, Piotroski F-Score of 6/9, and Debt/Equity of 0.44x.

2. Business Model, Unit Margins & SEC Financial Trajectory

Oscar Health Inc. (OSCR) is a NYSE-listed operating company in the Medical Specialities industry (Health Care sector) with an equity market capitalization of $9.37B. The business operates with a gross margin of 0%, an operating margin of -60%, and a return on invested capital (ROIC) of -35% (free cash flow yield of 11.51%). Within the Medical Specialities peer group, investor evaluation centers on operating leverage, unit margin durability, and capital allocation efficiency across market cycles.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), Oscar Health Inc. (OSCR) reported $28.6M in annual revenue (up from $20.6M in FY2024, +39.0% YoY) and -$443.2M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($21.4M revenue, -$270.7M net income) through FY2025, OSCR scaled operating cash flow to $1.09B and free cash flow to $1.09B, backed by $6.33B in total assets against $430.1M in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

  • 🐂 Primary Bull Case (D+ • RQD 53/100): Established market leader in Health Care with deep daily trading liquidity. Free cash flow yield of 11.51% and institutional whale pillar of 11/20. With Fundamental Cash Engine at 8/20 and Institutional Whale Flow at 11/20, sustained execution supports upside toward the upper end of the $10.69 – $35.01 52-week range.
  • 🐻 Primary Bear Case & Valuation Risk: Recent SEC filings added new risk-factor disclosures that warrant keeping an eye on margins. Investors must weigh current valuation against -60.0% operating margins and a 0.97x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

Beta of 0.97 per the market data is the only sensitivity measure supplied.

  • Key Question #1: Can OSCR sustain or expand its -60.0% operating margin and -35.0% ROIC against Medical Specialities peers over the next 4 quarters?
  • Key Question #2: Following FY2025 revenue of $28.6M and free cash flow of $1.09B, how will capital allocation balance growth reinvestment against $430.1M in total debt?
  • Key Question #3: How sensitive is OSCR's 23.0x forward P/E multiple to Health Care capital spending cycles and macro interest-rate shifts (Beta 0.97x)?

OSCR Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for Oscar Health Inc. (OSCR) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to OSCR Debate Forum (3) ↓
🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

OSCR Bull vs. Bear Conversation Board — What's Your Call at $31.00?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON OSCR 🐻 33% BEARISH CONVICTION
1. Pick Your Side on OSCR:
💡 Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
DE DeepValue_CFA RQD DEBATE OPENER • Institutional Buy-Side 🐂 BULLISH 🎯 Target: $37.36 (+23.0%)
📌 Pinned Debate

Positive FCF yield of 11.51% and a forward P/E of 23 sit alongside a reported raised 2026 outlook in the news feed.

The street is overcomplicating Oscar Health Inc. (OSCR). Positive FCF yield of 11.51% and a forward P/E of 23 sit alongside a reported raised 2026 outlook in the news feed.. With an RQD score of 53/100 (D+) and Forensic Balance Sheet at 8/20, any positive earnings surprise or guidance raise forces underweight funds to chase above $32.80.

EarningsSniper 🐂 BULL

Both sides have a point here — OSCR's 8/20 balance sheet score keeps downside contained, so the real swing factor next earnings call is backlog and FCF conversion.

MU MultipleCompression RQD DEBATE OPENER • Valuation Discipline 🐻 BEARISH 🎯 Target: $23.38 (-23.0%)
Spot @ $30.37

ROIC of -35%, Altman Z of 0.45, and FY 2025 net loss of -$443.2M after FY 2024 net income of $25.4M point to weak fundamentals.

ROIC of -35%, Altman Z of 0.45, and FY 2025 net loss of -$443.2M after FY 2024 net income of $25.4M point to weak fundamentals.. Look at the math on OSCR: paying 23.0x forward P/E for -35.0% ROIC and -60.0% operating margins leaves zero margin of safety if Medical Specialities demand softens. I'd wait for a retest of $26.73 before getting long.

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