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As of September 16, 2026, Oscar Health, Inc. (OSCR) trades at $32.44. CleaRank Financial AI rates it Hold with a fair value of $32.44, in line with the current price. Wall Street's consensus target is $29.00 across 11 analysts. RSI at 57 is in neutral territory, and the price is above its 50-day average of $30.67.
Oscar Health, Inc. (OSCR)
Oscar Health, Inc. NYSE
$32.44
-1.370 (-4.05%)
At close: Sep 15, 4:00 PM EDT
AI Analyst Consensus
59 / 100
Oscar Health, Inc. (OSCR) is currently trading at $32.44, precisely at its fair value with no immediate upside indicated. The company operates within the Healthcare Plans industry and has demonstrated significant revenue growth of 70.4% over the past year. Despite this growth, the stock is facing headwinds from substantial insider selling, with net sales totaling $156.9 million against $11.9 million in purchases, signaling a heavy sell signal from insiders. This insider activity, coupled with a 'Hold' consensus from Wall Street analysts, suggests caution is warranted for investors. Fundamentally, Oscar Health shows a strong return on equity of 34.26% and a healthy profit margin of 3.60%, though its price-to-sales ratio of 0.65 is below the sector median of 3.7. The company's debt-to-equity ratio stands at a manageable 0.23. While recent earnings have shown significant positive surprises, particularly in the quarter to June 2026 with a 189.47% EPS beat, the overall analyst sentiment remains mixed, with a median price target suggesting a slight downside from current levels. The stock is trading above its 50-day and 200-day moving averages ($30.67 and $21.03), indicating positive short-to-medium term technical momentum.
OSCR Price Analysis
Market Metrics
Open
$33.50
Day Range
$32.30 to $33.72
Prev Close
$33.81
Volume
4.27M
52-Week Range
$10.69 to $34.48
Market Cap
$10.01B
Peer Benchmarking
Valuation vs Sector (Healthcare)
Performance vs XLV
Sector Position Analysis
Trading at a notable discount to sector peers (-22%), which may indicate undervaluation or specific company headwinds.
OSCR Financial Performance
Revenue vs. Earnings
Annual
Quarterly
Earnings Reality Check
Analysis: In the last 3 quarters, OSCR beat estimates 1 times. The stock rose 1 times the next day. Price tends to react positively to beats.
OSCR Analysis
Company's Health
3/5
12-Month Analyst Target
-10.60% Downside
Median of 11 analysts (12-month)
$29.00
AI Technical Analysis
Oscar Health (OSCR) is currently trading above its 50-day Simple Moving Average (SMA) of $30.67 and its 200-day SMA of $21.03, indicating a generally positive short-to-medium term trend. The Relative Strength Index (RSI) is at 57.25, which is in neutral territory, suggesting neither overbought nor oversold conditions. The Moving Average Convergence Divergence (MACD) is positive at 0.71, further supporting the current upward momentum. The nearest support level is the 50-day SMA at approximately $30.67, while resistance can be observed near the current price. Volume has been slightly below its average, down 12.3%, which could indicate a lack of strong conviction behind recent price movements. The overall chart structure suggests a consolidation phase after recent gains, with key moving averages acting as support.
ProTips
- Monitor insider transactions closely; the current heavy selling trend warrants caution.
- The stock is trading above its 50-day and 200-day moving averages ($30.67 and $21.03), indicating positive short-term momentum, but watch for potential pullbacks to support levels around $30.67.
- Given the mixed analyst sentiment and insider selling, consider a more conservative position sizing until a clearer bullish trend emerges.
Key Catalysts
Bearish
Heavy Insider Selling Pressure
Insiders have sold $156.9 million worth of shares against $11.9 million in purchases, signaling a strong bearish sentiment from management and potentially weighing on future stock performance.
Source: Insider Trading DataNeutral
Mixed Wall Street Analyst Ratings
With 7 out of 11 analysts rating Oscar Health as 'Hold' and a median price target of $29.00, the market sentiment is divided, suggesting limited conviction for significant near-term upside.
Source: Analyst RatingsBullish
Strong Revenue Growth and Earnings Beats
Oscar Health has reported impressive revenue growth of 70.4% and significant positive EPS surprises in recent quarters, indicating strong operational performance and market demand for its services.
Source: Company FinancialsBullish
Positive Technical Momentum
The stock is trading above its 50-day and 200-day moving averages ($30.67 and $21.03), with a neutral RSI and positive MACD, suggesting underlying technical strength and potential for continued upward movement.
Source: Technical AnalysisMarket Outlook
Oscar Health (OSCR) is expected to maintain its current trading range in the near term, with a base case projection of $35.71 by 2030. The company's strong revenue growth of 70.4% and positive recent earnings surprises provide a foundation for potential appreciation. However, the significant insider selling and a median analyst price target of $29.00 suggest that substantial upside may be limited. Key catalysts for future performance will likely revolve around continued execution in the competitive health insurance market and the ability to translate revenue growth into sustained profitability. A shift in insider sentiment from net selling to net buying, or a significant upgrade in analyst ratings, could provide a bullish catalyst. Conversely, any slowdown in revenue growth, increased regulatory scrutiny, or persistent insider selling could pressure the stock lower, potentially testing the downside projection of $9.91.
Key Statistics
| Market Cap | 10.01B |
|---|---|
| P/E Ratio | 24.95 |
| EPS (TTM) | 1.30 |
| Dividend Yield | 0.00% |
| 52 Week High | 34.48 |
| 52 Week Low | 10.69 |
Oscar Health (OSCR) presents a mixed fundamental picture, trading at a price-to-sales ratio of 0.65, which is significantly below the sector median of 3.7, suggesting potential undervaluation on a sales basis. The company boasts a strong return on equity of 34.26% and a profit margin of 3.60%, indicating efficient operations and profitability. Its debt-to-equity ratio of 0.23 is well within a healthy range and below the sector average. However, the company's earnings per share (EPS) has been volatile, with recent quarters showing significant positive surprises, such as a 189.47% beat in the quarter to June 2026. Despite this, the current P/E ratio of 24.95 is relatively high given the mixed analyst sentiment and the median price target suggesting a slight downside. The substantial revenue growth of 70.4% is a key positive, but it needs to be weighed against the significant insider selling activity.
Earnings & Growth Analysis
Oscar Health (OSCR) has demonstrated strong earnings performance in recent quarters, notably beating EPS estimates by 189.47% in the quarter to June 2026, leading to a 5.12% price increase. The quarter to March 2026 also saw a substantial EPS beat of 88.18%, with a similar 5.19% stock price jump. While the quarter to December 2025 showed a negative surprise of -34.78% and a price drop, the overall trend in the most recent periods indicates a positive earnings trajectory and market reaction.
Key Risks
A primary risk for Oscar Health (OSCR) is the significant insider selling, with over $156 million in sales against $11.9 million in purchases, indicating a 'heavy sell signal' from management. This heavy selling pressure could weigh on the stock price despite positive operational metrics. Also, the median analyst price target of $29.00 suggests a potential downside of 10.6% from the current trading price, indicating that Wall Street's outlook is not overwhelmingly bullish. The company's substantial revenue growth, while positive, also implies a need for continued strong execution to justify its current valuation.
Technical Indicators
| RSI (14) | 57.25 |
|---|---|
| MACD | 0.71 |
| SMA 50 | 30.67 |
| SMA 200 | 21.03 |
RSI
Neutral
SMA Cross
Bullish
Price vs SMA
Bullish
MACD
Bullish
Golden Cross in effect with the 50-day SMA ($30.67) above the 200-day SMA ($21.03), price action is firmly bullish above key moving averages.
Market Correlations
How this stock moves relative to other assets
Based on 1 year of daily price data. Correlations may vary over different time periods.
S&P 500 (SPY)
+0.23
Weak correlation
Nasdaq 100 (QQQ)
+0.20
Weak correlation
Bitcoin (BTC)
+0.24
Weak correlation
Gold (XAU)
+0.02
Weak correlation
Check Custom Correlation
How does any other asset move with OSCR? One year of daily closes, Pearson correlation.
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OSCR Trade Plans
Specific entry, exit, and risk management levels
Select Your Trade Bias
Risk Tolerance
Conservative
2%
Aggressive
Portfolio Value
$
Position Size: Enter portfolio size →
Entry Strategies pick an entry style
Conservative
$32.12
Slight discount to current
Wait for small dip
Aggressive
$32.44
At current price
Enter now if confident
Risk Management
STOP LOSS
$29.87
MAX LOSS
-7.0%
Volatility-Adjusted Stop Loss
Calculated based on RSI (57.3) and current market volatility
Profit Targets (Based on Conservative Entry)
TARGET 1
$33.08
+3% (Conservative)
+2.0% (Aggressive)
TARGET 2
$33.72
+5% (Conservative)
+4.0% (Aggressive)
TARGET 3
$34.68
+8% (Conservative)
+6.9% (Aggressive)
Consider scaling out: Take 50% profit at Target 1, 30% at Target 2, let 20% run to Target 3
Calculate Your Trade
High-Volatility Risk Disclaimer
OSCR is classified as a high-volatility asset (Daily Vol: 3.78%). Aggressive price swings can lead to rapid capital loss. Liquidity risks may prevent exiting trades at desired prices. This AI-generated analysis is for educational purposes only and is not financial advice. Generated on September 16, 2026.Growth of $10,000
A $10,000 investment in OSCR in March 2021 would be worth about $9,322 today, compared with about $19,857 for the same investment in the S&P 500 benchmark.
Compare with Another Ticker
Monte Carlo Projection (10yr)
CleaRank's 10-year Monte Carlo simulation projects that a $10,000 investment in OSCR today could grow to about $12,713 by 2036 in the base case, with a bull case near $96,449 and a bear case around $1,676. Projections are statistical simulations, not guarantees.
OSCR Stock Price Prediction: 2030
CleaRank's simulation projects a price near $35.71 for OSCR by 2030 in the base case, from $32.44 today (1.1x over 4 years). The downside path ends near $9.91. These are outcomes of a Monte Carlo simulation run on OSCR's historical return distribution, not price targets, and they assume no dividends are reinvested.
| Year | Downside (10th pct) | Base case | Upside (90th pct) |
|---|---|---|---|
| 2027 | $17.51 | $33.23 | $63.07 |
| 2028 | $13.75 | $34.04 | $84.24 |
| 2029 | $11.49 | $34.86 | $106 |
| 2030 | $9.91 | $35.71 | $129 |
| 2031 | $8.73 | $36.58 | $153 |
| 2032 | $7.80 | $37.47 | $180 |
| 2033 | $7.04 | $38.38 | $209 |
| 2034 | $6.42 | $39.31 | $241 |
| 2035 | $5.89 | $40.26 | $275 |
| 2036 | $5.44 | $41.24 | $313 |
Method: 10,000 simulated price paths using OSCR's historical volatility and drift, re-run daily. The base case is the median path; the two outer columns are the 10th and 90th percentile outcomes, which widen with time because uncertainty compounds. Simulations are not guarantees, and past volatility does not predict future returns. This is analysis, not investment advice.
People Also Watch
OSCR Insider Trading Analysis
Bought
$11.9M
1 Transactions
Sold
$156.9M
35 Transactions
Insiders
13
Active Traders
Avg Transaction
$4.7M
Large trades
| Date | Insider | Type | Shares | Value |
|---|---|---|---|---|
| Aug 17, 2023 | ALPHABET, INC.
Beneficial Owner of more than 10% of a Class of Security
|
Sell | 6.5M | $52.5M |
| Jun 30, 2026 | BERTOLINI MARK T
Chief Executive Officer
|
Sell | 1.2M | $35.8M |
| Jun 26, 2026 | BERTOLINI MARK T
Chief Executive Officer
|
Sell | 1.2M | $34.9M |
| Jun 23, 2026 | SCHLOSSER MARIO T
Director
|
Sell | 1.0M | $30.2M |
| Aug 28, 2026 | SCHLOSSER MARIO T
Director
|
Sell | 750.0K | $22.8M |
| Mar 5, 2021 | SCHLOSSER MARIO
Chief Executive Officer
|
Sell | 366.3K | $11.4M |
| Sep 22, 2025 | SCHLOSSER MARIO T
Chief Technology Officer
|
Sell | 395.0K | $7.3M |
| Nov 12, 2025 | SCHLOSSER MARIO T
Chief Technology Officer
|
Sell | 391.5K | $6.0M |
| Jan 5, 2026 | SCHLOSSER MARIO T
Chief Technology Officer
|
Sell | 234.9K | $3.6M |
| Mar 5, 2021 | JOYCE MEGHAN V
Chief Operating Officer
|
Sell | 95.4K | $3.0M |
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Frequently Asked Questions
Is Oscar Health (OSCR) stock a buy right now?
Oscar Health (OSCR) is currently trading at $32.44, which is its fair value. With a 'Hold' consensus rating and a median analyst price target of $29.00 suggesting a slight downside, it is not currently recommended as a strong buy.
What is the outlook for Oscar Health (OSCR) stock?
The outlook for Oscar Health (OSCR) is mixed. While the company shows strong revenue growth and recent positive earnings surprises, significant insider selling and a 'Hold' consensus from Wall Street temper the bullish sentiment. The stock is trading above key moving averages, suggesting short-term support, but the median analyst target implies limited upside.
What are the biggest risks facing Oscar Health (OSCR)?
The most significant risks for Oscar Health (OSCR) include heavy insider selling totaling over $156 million, which signals a lack of confidence from management. Additionally, the median analyst price target suggests a potential downside, and the company's valuation needs to be sustained by continued strong execution in a competitive healthcare market.
How does Oscar Health (OSCR) compare to its sector peers?
Oscar Health (OSCR) exhibits a price-to-sales ratio of 0.65, which is considerably lower than the sector median of 3.7, suggesting it is cheaper on a sales basis. However, its P/E ratio of 24.95 is higher than the sector median P/E of 31.9, indicating a premium valuation relative to its earnings. The company's revenue growth of 70.4% significantly outpaces the sector average of 8.1%.
What is the consensus rating for Oscar Health (OSCR)?
The consensus rating for Oscar Health (OSCR) is 'Hold', with a consensus score of 59 out of 100. This reflects a balanced view among analysts, with 7 out of 11 holding a 'Hold' rating.
What are the recent earnings trends for Oscar Health (OSCR)?
Oscar Health (OSCR) has shown strong positive earnings surprises in its most recent reported quarters, including a 189.47% EPS beat in the quarter to June 2026. This trend suggests improving operational efficiency and profitability, which has been met with positive stock price reactions.
What is the long-term projection for Oscar Health (OSCR) stock?
Based on Monte Carlo simulations, Oscar Health (OSCR) has a base case projection of $35.71 by 2030, with a downside scenario of $9.91 and an upside scenario of $128.64. These are statistical outcomes, not price targets, and should be viewed with caution.