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Upturn AI SWOT - About
Oscar Health Inc (OSCR)
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Upturn Advisory Summary
04/01/2025: OSCR (4-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Above Average Performance
These Stocks/ETFs, based on Upturn Advisory, frequently surpass the market, reflecting reliable and trustworthy advice.
AI Based Fundamental Rating
Above Average Performance
These Stocks/ETFs, based on Upturn Advisory, frequently surpass the market, reflecting reliable and trustworthy advice.
Analysis of Past Performance
Type Stock | Historic Profit 168.64% | Avg. Invested days 33 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  5.0 |
| Profits based on simulation | Last Close 04/01/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 3.33B USD | Price to earnings Ratio 131.1 | 1Y Target Price 19.36 |
Price to earnings Ratio 131.1 | 1Y Target Price 19.36 | ||
Volume (30-day avg) 4885482 | Beta 1.75 | 52 Weeks Range 12.43 - 23.79 | Updated Date 04/1/2025 |
52 Weeks Range 12.43 - 23.79 | Updated Date 04/1/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 0.1 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 0.28% | Operating Margin (TTM) -6.18% |
Management Effectiveness
Return on Assets (TTM) 0.85% | Return on Equity (TTM) 2.87% |
Valuation
Trailing PE 131.1 | Forward PE 18.45 | Enterprise Value 2057312857 | Price to Sales(TTM) 0.36 |
Enterprise Value 2057312857 | Price to Sales(TTM) 0.36 | ||
Enterprise Value to Revenue 0.22 | Enterprise Value to EBITDA - | Shares Outstanding 215054000 | Shares Floating 203190258 |
Shares Outstanding 215054000 | Shares Floating 203190258 | ||
Percent Insiders 3.32 | Percent Institutions 92.17 |
Analyst Ratings
Rating 3.43 | Target Price 19.36 | Buy 2 | Strong Buy 2 |
Buy 2 | Strong Buy 2 | ||
Hold 1 | Sell 1 | Strong Sell 1 | |
Strong Sell 1 |
Upturn AI SWOT
Oscar Health Inc
Company Overview
History and Background
Oscar Health Inc. was founded in 2012 by Mario Schlosser, Kevin Nazemi, and Josh Kushner. It aimed to simplify health insurance using technology and a consumer-focused approach. It went public in March 2021.
Core Business Areas
- Individual & Family Plans: Provides health insurance plans directly to individuals and families, focusing on personalized care and digital tools.
- Small Group Plans: Offers health insurance options to small businesses, enabling them to provide coverage to their employees.
- Medicare Advantage: Offers Medicare Advantage plans to eligible individuals, providing comprehensive coverage with additional benefits.
- Oscar +: Provides technology and services to healthcare providers and systems, enabling them to improve efficiency and patient care.
Leadership and Structure
Mark Bertolini is the CEO. The company has a typical corporate structure with departments for technology, marketing, finance, and operations.
Top Products and Market Share
Key Offerings
- Individual & Family Health Plans: Offers various health insurance plans with different levels of coverage. Market share varies by region but generally remains under 10% in its operational areas, competing with larger national players like UnitedHealth and Anthem.
- Medicare Advantage Plans: Provides Medicare Advantage plans in select regions, focusing on digitally enabled care. Competitors include Humana and UnitedHealthcare.
- Oscar +: A platform offered to other care providers. No specific revenue numbers are available. Competitors include Aledade and CareAllies.
Market Dynamics
Industry Overview
The health insurance industry is highly regulated and competitive, with increasing demand for consumer-centric and technology-driven solutions.
Positioning
Oscar Health aims to differentiate itself through technology, personalized care, and a user-friendly experience, targeting tech-savvy consumers. The company has yet to achieve significant profitability.
Total Addressable Market (TAM)
The TAM for health insurance in the US is estimated to be over $1 trillion. Oscar Health's positioning allows it to capture a portion of the individual and Medicare Advantage markets.
Upturn SWOT Analysis
Strengths
- Technology-driven platform
- Focus on customer experience
- Innovative approach to care
- Strategic partnerships
Weaknesses
- Lack of profitability
- Limited market share
- High operating expenses
- Geographic concentration
Opportunities
- Expansion into new markets
- Growth in Medicare Advantage
- Partnerships with healthcare providers
- Increased adoption of telehealth
Threats
- Regulatory changes
- Increased competition
- Rising healthcare costs
- Economic downturns
Competitors and Market Share
Key Competitors
- UNH
- HUM
- CI
- ANTM
Competitive Landscape
Oscar Health's advantages lie in its technology and customer focus, but it faces strong competition from larger, more established players with greater financial resources.
Major Acquisitions
Growth Trajectory and Initiatives
Historical Growth: Oscar Health has experienced rapid growth in membership, but this growth has not yet translated into profitability.
Future Projections: Analyst estimates suggest continued revenue growth, but profitability remains uncertain. Positive signs come from 2023 reporting net profitable quarters.
Recent Initiatives: Focus on cost management, expansion into new markets, and partnerships with healthcare providers.
Summary
Oscar Health is attempting to disrupt the health insurance industry through technology and a customer-centric approach. While it has demonstrated revenue growth and membership increases, the company struggles with profitability. It needs to focus on cost management and continue expanding its market presence. The company faces considerable challenges from established competitors and regulatory pressures.
Similar Companies
AGL
agilon health Inc
AGL
agilon health Inc
CI
Cigna Corp
CI
Cigna Corp
CLOV
Clover Health Investments Corp
CLOV
Clover Health Investments Corp
HUM
Humana Inc
HUM
Humana Inc
TDOC
Teladoc Inc
TDOC
Teladoc Inc
UNH
UnitedHealth Group Incorporated
UNH
UnitedHealth Group Incorporated
Sources and Disclaimers
Data Sources:
- Company filings
- Analyst reports
- Industry publications
Disclaimers:
This analysis is based on publicly available information and is not financial advice. Market share data are estimates and may vary by region. The AI-based rating is for informational purposes only.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Oscar Health Inc
Exchange NYSE | Headquaters New York, NY, United States | ||
IPO Launch date 2021-03-03 | CEO & Director Mr. Mark Thomas Bertolini | ||
Sector Healthcare | Industry Healthcare Plans | Full time employees 2400 | Website https://www.hioscar.com |
Full time employees 2400 | Website https://www.hioscar.com | ||
Oscar Health, Inc. operates as a healthcare technology company in the United States. The company offers health plans to individuals, families, employees, and small group markets. It also provides +Oscar platform that power others throughout the healthcare system; Campaign Builder platform, an engagement and recommendation platform for providers and payors; and reinsurance products. The company was formerly known as Mulberry Health Inc. and changed its name to Oscar Health, Inc. in January 2021. Oscar Health, Inc. was incorporated in 2012 and is headquartered in New York, New York.
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