# Oscar Health, Inc. (OSCR) — Stock CV

Oscar Health, Inc. is a $10.3B financial services company. Revenue grew 42.8% over the last year, and it keeps 4¢ of every dollar of sales as profit. It trades at 18.3× earnings — in the cheapest third of its own history.

> Oscar Health Inc is a healthcare technology company built around a full stack technology platform and a relentless focus on serving its members. It offers Individual & Family plans and health technology solutions that power the healthcare industry.

## Identity

- **Ticker**: OSCR
- **Sector**: Financial Services
- **Industry**: Hospital & Medical Service Plans
- **Headquarters**: NEW YORK, NY
- **Employees**: 2 305
- **Website**: https://www.hioscar.com
- **Market cap**: $10.3B
- **Last price**: $33.23
- **Financial profile**: Strained

## Vitals (TTM)

- **Revenue**: $15.3B
- **Net income**: $551M
- **Free cash flow**: $4.38B
- **Net cash**: $3.56B
- **P/E**: 18.3
- **Revenue growth (YoY)**: 42.8%

## Skills (profile scores, 0–100)

| Pillar | Score |
|---|---|
| Valuation | 95 |
| Growth | 30 |
| Profitability | 36 |
| Health | 25 |
| Quality | 77 |
| Moat | 10 |

## Qualifications (beginner checklist) — 6 of 10 passed

- [x] Revenue growing — +42.8% YoY
- [x] Profitable — $551M TTM
- [ ] Profit growing — -1842.5% YoY
- [x] Generates cash — $4.38B TTM
- [x] Debt under control — more cash than debt
- [x] Established company — $10.3B market cap
- [ ] Not printing shares — +46.6% shares over ~5y
- [ ] Proven track record — 1/5 profitable years
- [ ] Financially stable — health score 0/100
- [x] Valuation not extreme — P/E 18.3

## Experience (career milestones)

- **FY2025** — Revenue crossed $10B: $11.7B for the year
- **FY2024** — Turned profitable: $25.4M net income after a loss year
- **FY2024** — Best year on record: $25.4M net income
- **FY2021** — Revenue already above $1B: $1.84B in first reported year
- **2012** — Oscar Management Corporation, doing business as Oscar Health is an American for-profit health insurance company,…

## Strengths

- Revenue growing 42.8% year over year
- Strong cash conversion — FCF is 28.6% of revenue
- Net cash position after subtracting debt from cash

## Watch-outs

- Thin interest coverage (-23.8×)
- Loss-making in 4 of the recent years

## Track record

| Year | Revenue | Net income | Free cash flow |
|---|---|---|---|
| FY2021 | $1.84B | -$573M | -$208M |
| FY2022 | $3.96B | -$606M | $351M |
| FY2023 | $5.86B | -$271M | -$298M |
| FY2024 | $9.18B | $25.4M | $950M |
| FY2025 | $11.7B | -$443M | $1.06B |

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Source: https://stockcv.com/OSCR — derived from company filings; may be delayed or incomplete. Information, not investment advice.