CleaRank Financial AI • AI-powered analysis using real-time market data from TwelveData
Analysis reviewed by Jacob Bakshi, Senior Market Strategist. Data refreshed daily. Not financial advice.
Oscar Health, Inc. (OSCR) is currently trading at $34.32, above its 50-day and 200-day moving averages ($31.25 and $22.66), indicating positive short-to-medium term momentum. The company has demonstrated exceptional revenue growth, with current year estimates showing a 60.00% increase year-over-year, significantly outpacing the sector average of 8.1%. Recent earnings reports have also shown positive surprises, with EPS beating estimates by 189.47% in the most recent quarter reported August 6, 2026. However, this positive operational performance is overshadowed by substantial insider selling, with total sales exceeding $157 million against only $11.9 million in purchases, signaling a heavy insider selling from insider activity analysis. The company operates within the Healthcare Plans industry, a sector with a median P/E of 31.9 and ROE of 6.9%. Oscar Health's own profit margin stands at 3.60% and its return on equity is a strong 34.26%, outperforming the sector median. Despite these fundamental strengths and a price-to-sales ratio of 0.68, which is below the sector average of 3.7, the significant insider selling presents a notable risk. Wall Street consensus is currently 'Hold' with a median price target of $33.50, implying a slight downside from the current price.
OSCR at a glance
Oscar Health, Inc. (OSCR): Hold, 59/100 on CleaRank's AI score.
TrendUp: the price is above both its 50- and 200-day moving averages ($31.25 and $22.66).
InsidersInsiders sold $157.7M and bought $11.9M over the last 18 months.
ValuationP/E of 26.2 against 31.9 for the Healthcare sector: broadly in line with peers (-18%).
As of October 15, 2026, Oscar Health, Inc. (OSCR) trades at $34.32. Wall Street's consensus target is $33.50 across 11 analysts. The 14-day RSI (daily closes) is 65, showing bullish momentum without being overbought, and the price is above its 50-day simple moving average of $31.25.
Figures as of October 15, 2026.
Only on CleaRank
Figures we compute ourselves from OSCR's own price, earnings and insider-filing history. Tap one to see it in context.
Valuation is broadly in line with sector peers (-18% difference), suggesting fair market pricing relative to industry standards.
OSCR Financial Performance
Revenue vs. Earnings
Annual
Quarterly
Earnings Reality Check
In the last 2 quarters, OSCR beat the analyst estimate 1 time; the stock rose in the first session after every beat.
OSCR earnings surprises and the stock's reaction
Report
EPS estimate
EPS actual
Surprise
First session
5 sessions
Aug 6, 2026
$0.38
$1.10
+189.47%
+5.12%
+15.98%
Feb 10, 2026
-$0.92
-$1.24
-34.78%
+5.59%
+6.37%
The first session is the first full trading day on the news: the report day itself for a report before the open, the next day for one after the close. Surprise is actual EPS against the consensus estimate.
As of October 15, 2026, OSCR has beaten the analyst EPS estimate in 1 of its last 2 reported quarters and rose in the first trading session after that beat; its latest report, on August 6, 2026, came in 189.47% above the estimate and the stock moved +5.12% in the first session.
OSCR Analysis
Company's Health3/5
12-Month Analyst Target-2.39% below price
Median of 11 analysts (12-month)
$33.50
AI Analyst Consensus ScoreHold
Oscar Health, Inc. (OSCR) is currently trading above its 50-day SMA ($31.25) and 200-day SMA ($22.66), indicating an uptrend. The 14-day RSI is at 64.78, signaling bullish momentum. The MACD is positive at 0.74, further supporting a bullish technical outlook. The nearest resistance is implied by the current price action, while support can be found at the 50-day SMA. Volume on the latest trading day was 5.28 million shares, which is 8.1% above the average volume of 4.88 million shares, suggesting increased investor interest. The stock's stochastic indicator is at 88.89, indicating it is in overbought territory, which could suggest a potential short-term pullback. However, the overall trend remains positive, supported by the moving averages and RSI.
Key Catalysts
BearishHeavy Insider Selling Pressure
Insiders have sold $157.7 million worth of stock against $11.9 million in purchases, resulting in a heavy insider selling, which could indicate a lack of management confidence in current valuations.
Source: Insider Transaction Analysis
BullishConsistent Earnings Beats
Oscar Health has exceeded EPS estimates in its last two reported quarters, including a 189.47% surprise in the most recent quarter, demonstrating operational improvements and potential for future upside.
Source: Earnings Reports
BullishStrong Revenue Growth Trajectory
Current year revenue estimates show a 60.00% year-over-year increase, significantly outpacing sector averages and indicating strong market demand for its services.
Source: Analyst Estimates
NeutralWall Street 'Hold' Consensus
The median analyst price target of $33.50 suggests limited upside from the current price, reflecting a balanced view among analysts despite strong operational metrics.
Source: Wall Street Summary
Market Outlook
The base case outlook for Oscar Health, Inc. (OSCR) suggests a period of consolidation or slight decline given the current 'Hold' consensus from Wall Street and a median price target that implies limited upside. While the company's strong revenue growth and recent positive earnings surprises provide a solid fundamental underpinning, the significant insider selling pressure is a major overhang that cannot be ignored. The stock's current trading above key moving averages and its bullish RSI suggest underlying strength, but this may be tested by the negative sentiment signaled by insider transactions. Potential catalysts for upside include continued strong earnings beats and positive guidance, which could shift analyst sentiment and potentially lead to upgrades. Conversely, a failure to meet forward earnings expectations or sustained heavy insider selling could pressure the stock lower, potentially testing support levels around the 50-day SMA. The company's high return on equity and attractive price-to-sales ratio offer a degree of valuation support, but the market may prioritize the bearish insider signal in the near term.
Key Statistics
Market Cap
10.59B
P/E Ratio
26.19
EPS (TTM)
1.29
Dividend Yield
0.00%
52 Week High
35.01
52 Week Low
10.69
As of October 15, 2026, OSCR trades at $34.32, with a market value of $10.59B and a P/E ratio of 26.19.
Oscar Health, Inc. (OSCR) exhibits strong revenue growth, with current year estimates projecting a 60.00% increase to $18.7 billion, far exceeding the sector median of 8.1%. Its price-to-sales ratio of 0.68 is attractive compared to the sector median of 3.7. The company's profitability is also strong, with a net profit margin of 3.60% and a return on equity of 34.26%, significantly outperforming the sector's ROE of 6.9%. Despite these favorable fundamental metrics, the company's valuation, indicated by a P/E ratio of 26.19, is slightly below the sector average of 31.9, but the strong EPS growth of 213.2% for the current year suggests this P/E may be justified. The debt-to-equity ratio of 0.23 is well within industry norms. However, the significant insider selling activity raises concerns about management's near-term confidence in the stock's valuation.
Earnings & Growth Analysis
Oscar Health, Inc. (OSCR) has demonstrated a strong track record of beating earnings estimates in recent quarters. The most recent results reported August 6, 2026, showed an EPS of $1.10 against an estimate of $0.38, a surprise of 189.47%, leading to a 5.12% price increase. While the company reported a loss in February 2026, the consistent positive surprises in the subsequent quarters indicate improving operational performance.
Key Risks
The primary risk for Oscar Health, Inc. (OSCR) stems from significant insider selling, with over $157 million in sales against $11.9 million in purchases, indicating a heavy insider selling. The stock is trading in overbought territory according to its stochastic indicator, which could precede a short-term pullback.
Technical Indicators i
RSI (14-day)
64.78
MACD (12, 26)
0.739
SMA (50-day)
31.25
SMA (200-day)
22.66
Technical RatingBullish
RSI
Bullish
SMA Cross
Bullish
Price vs SMA
Bullish
MACD
Bullish
Golden Cross in effect with the 50-day SMA ($31.25) above the 200-day SMA ($22.66), price action is firmly bullish above key moving averages.
As of October 15, 2026, with OSCR at $34.32, its 14-day RSI is 64.8 (showing bullish momentum without being overbought), its 50-day simple moving average is $31.25 and its 200-day is $22.66.
Calculated by CleaRank on daily closes as of October 15, 2026: Wilder's 14-day RSI, 50- and 200-day simple moving averages, MACD line (12, 26).
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)+0.22
Weak correlation
Nasdaq 100 (QQQ)+0.19
Weak correlation
Bitcoin (BTC)+0.23
Weak correlation
Gold (XAU)+0.02
Weak correlation
As of October 15, 2026, OSCR's 1-year correlation of daily returns is +0.22 with S&P 500 (SPY), +0.19 with Nasdaq 100 (QQQ), +0.23 with Bitcoin (BTC) and +0.02 with gold (XAU).
Check Custom Correlation
How does any other asset move with OSCR? One year of daily closes, Pearson correlation.
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OSCR Wall Street View
12-month price targets
Low $26.00Median $33.50 (-2.4%)High $49.00
Ratings
Buy 3Hold 7Sell 13 months ago: 3 of 11 buy
Recent rating actions
Recent analyst rating actions on OSCR
Date
Firm
Action
Rating
Sep 18, 2026
Raymond James
Maintains
Outperform
Sep 17, 2026
B of A Securities
Maintains
Underperform
Sep 17, 2026
Stephens & Co.
Reiterates
Equal-Weight
Sep 17, 2026
Barclays
Maintains
Overweight
Sep 17, 2026
Baird
Maintains
Neutral
Aug 13, 2026
Wells Fargo
Maintains
Equal-Weight
As of October 15, 2026, 11 Wall Street analysts cover OSCR: 3 rate it a buy or strong buy, 7 a hold and 1 a sell or strong sell. Their 12-month price targets range from $26.00 to $49.00, with a median of $33.50, 2.4% below the price of $34.32.
Source: TwelveData analyst consensus. Targets and ratings belong to the analysts, not to CleaRank.
OSCR Trade Plans
Specific entry, exit, and risk management levels
Select Your Trade Bias
Risk Tolerance
Conservative2%Aggressive
Portfolio Value
$
Position Size: Enter portfolio size →
Entry Strategies pick an entry style
Conservative
$33.98
Slight discount to current
Wait for small dip
Aggressive
$34.32
At current price
Enter now if confident
Risk Management
STOP LOSS
$31.96
MAX LOSS
-5.9%
Volatility-Adjusted Stop Loss
Calculated based on RSI (64.8) and current market volatility
These levels come from OSCR's moving averages and recent volatility, not from a forecast. Educational levels, not financial advice; the full disclaimer is at the foot of the page.
Growth of $10,000
A $10,000 investment in OSCR in March 2021 would be worth about $9,862 today, compared with about $20,177 for the same investment in the S&P 500 benchmark.
Compare with Another Ticker
OSCR Drawdowns & Recovery
Worst fall, last 6 years
-94.2%
March 2021 to December 2022
Recovery
Not yet
still 6.7% below the March 2021 peak
From the 6-year high
-6.7%
highest close, March 2021
1-year holds that gained
56%
of every 1-year window
As of October 15, 2026, OSCR's worst peak-to-trough fall over the last 6 years was -94.2% (March 2021 to December 2022); it is still 6.7% below that peak, and 56% of 1-year holding periods ended with a gain.
From weekly closing values. A drawdown is the fall from the highest value reached so far to a later low.
Monte Carlo Projection (10yr)
CleaRank's 10-year Monte Carlo simulation projects that a $10,000 investment in OSCR today could grow to about $13,423 by 2036 in the base case, with a 90th-percentile outcome near $101,833 and a 10th-percentile outcome around $1,769. Projections are statistical simulations, not guarantees.
OSCR Stock Price Prediction: 2030
CleaRank's simulation projects a price near $38.61 for OSCR by 2030 in the base case, from $34.32 today (1.1x over 4 years). The 10th-percentile path ends near $10.72. 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.
OSCR simulated price paths by year
Year
10th percentile
Base case
90th percentile
2027
$18.62
$35.35
$67.09
2028
$14.71
$36.40
$90.09
2029
$12.36
$37.49
$114
2030
$10.72
$38.61
$139
2031
$9.49
$39.76
$167
Method: a lognormal simulation of OSCR's own volatility and capped historical trend, re-run daily; base case is the median path, the outer columns the 10th and 90th percentiles.
As of October 15, 2026, OSCR insiders reported 36 open-market sales worth $157.7M and 1 open-market purchase worth $11.9M over the last 18 months; grants and option exercises are not counted.
Recent insider transactions in OSCR
Date
Insider
Type
Shares
Value
Sep 18, 2026
WITTMAN VANESSA AMES
Director
Sell
25.0K
$806.0K
Sep 3, 2026
SCHLOSSER MARIO T
Director
Sell
31.4K
$988.2K
Sep 3, 2026
BLACKLEY RICHARD SCOTT
Chief Financial Officer
Sell
28.9K
$907.9K
Sep 3, 2026
LIANG JANET
Officer
Sell
10.4K
$325.8K
Sep 3, 2026
MCANANEY ADAM
Officer
Sell
9.1K
$285.9K
Sep 3, 2026
BALTRUS VICTORIA
Officer
Sell
958
$30.1K
Aug 28, 2026
SCHLOSSER MARIO T
Director
Sell
750.0K
$22.8M
Aug 28, 2026
SCHLOSSER MARIO T
Director
Grant
750.0K
-
Aug 18, 2026
BLACKLEY RICHARD SCOTT
Chief Financial Officer
Sell
18.8K
$595.1K
Jul 1, 2026
SCHLOSSER MARIO T
Director
Sell
47.5K
$1.5M
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Frequently Asked Questions
What are the key risks facing Oscar Health, Inc.?
The most significant risk for Oscar Health, Inc. (OSCR) is the heavy insider selling, totaling over $157 million in sales. Additionally, technical indicators suggest the stock is in overbought territory, potentially leading to a near-term correction.
How has Oscar Health, Inc. performed in recent earnings reports?
Oscar Health, Inc. (OSCR) has consistently beaten earnings estimates in its last two reported quarters. Most recently, on August 6, 2026, the company reported EPS of $1.10, significantly exceeding the estimate of $0.38 by 189.47%.
What is the revenue growth outlook for Oscar Health, Inc.?
Oscar Health, Inc. (OSCR) is projected to experience substantial revenue growth. Current year estimates show a 60.00% increase, and next year's estimates indicate an additional 11.00% growth, significantly outpacing the sector average.
How does Oscar Health, Inc. compare to its sector averages?
Oscar Health, Inc. (OSCR) shows stronger performance than its Healthcare sector peers in several key metrics. Its revenue growth is projected at 60.00% for the current year, compared to the sector median of 8.1%. The company's return on equity is 34.26%, significantly higher than the sector median of 6.9%, and its price-to-sales ratio of 0.68 is lower than the sector median of 3.7.
What is the Wall Street consensus for Oscar Health, Inc. stock?
The Wall Street consensus for Oscar Health, Inc. (OSCR) is 'Hold', based on ratings from 11 analysts.
Is OSCR in an uptrend?
Yes. Oscar Health, Inc. (OSCR) trades at $34.32, above both its 50- and 200-day moving averages ($31.25 and $22.66). Its 14-day RSI on daily closes is 64.8, showing bullish momentum without being overbought.
Are insiders buying or selling OSCR?
Selling, on balance. In the last 18 months, OSCR's officers, directors and large holders reported 36 sales worth $157.7M and 1 open-market purchase worth $11.9M. Grants and option exercises are not counted as buying.
What is OSCR's biggest drop in the last 6 years?
Oscar Health, Inc. (OSCR)'s worst peak-to-trough fall over the last 6 years was -94.2%, from March 2021 to December 2022. It has not regained that peak yet and is still 6.7% below it. Over the same period, 56% of 1-year holding periods ended with a gain.
What are OSCR's best and worst months?
Over the last 6 years, January has been OSCR's strongest month on average (+19.28%, rising in 4 of 5 years) and December its weakest (-12.46%, rising in 1 of 5 years). Seasonal averages describe the past and do not predict a given year.
How closely does OSCR move with the stock market?
Over the past year OSCR's daily returns were weakly correlated with the S&P 500 (SPY) (+0.22). Nasdaq 100 (QQQ): +0.19; Bitcoin (BTC): +0.23; Gold (XAU): +0.02. A figure near +1 means the two usually move together; near 0 means little relationship.
