OSCR
Oscar HealthCNYSE / Insurance
Last Price
At close
2026-07-18
Current thesis
The post-earnings bull read is straightforward: Q1 showed much stronger-than-baseline profitability, a sharp year-over-year MLR improvement, and guidance held, supporting the idea that 2025 was the reset year and 2026 can deliver real margin recovery.
Posture
Mixed
Lead driver
Momentum
What changed
Momentum remains the lead driver in the composite, 7D delta -0.9.
What can break
Oscar still faces regulatory exposure tied to ACA rules, implementation changes, and the expiration of enhanced Advanced Premium Tax Credits, which can affect demand and profitability [#8-K-2026-05-06] [#10-K-2026-02-13].
Momentum
95
Value
39
Sentiment
33
Setup hits (3d)
— · Net —
AI TargetsBase $19.00 · Bull $24.50 · Bear $14.50
Data freshness
Prices
As of 2026-07-18
Fundamentals
As of 2026-07-17 • Vendor: Data Vendor v1
Scores
As of 2026-07-18 • Model: HYBRID_IC_RP
AI Memo
As of 2026-05-08 • Model: RankAlpha Sentiment Codex
Investment thesisAs of 2026-07-18
Investment thesis
As of 2026-07-18
Supporting evidence
What
Grade C · Mixed
Confidence Medium · Net —
Target $25.18
Why
Momentum95 · Δ7d -0.9
Value39 · Δ7d +0.1
Sentiment33 · Δ7d +1.4
So what
Balanced signals. Wait for confirmation before sizing up.
Lead driver: Momentum · See technicals
Momentum
95
26% active weight
Current posture
7d trendFlat
Δ7d
-0.9
Δ21d
-1.6
Value
39
39% active weight
Current posture
7d trendFlat
Δ7d
+0.1
Δ21d
+0.4
Sentiment
33
34% active weight
Current posture
7d trendImproving
Δ7d
+1.4
Δ21d
-0.0
Why this grade
Composite grade C. Momentum 94.6 / Value 38.9 / Sentiment 33.0
Fundamentals (TTM)As of 2026-07-17
Fundamentals (TTM)
As of 2026-07-17
Market Cap
$8.77B
Beta
1.89
Shares Out
301.49M
P/E (TTM) · Derived
-17.2
P/S (TTM)
0.39
P/FCF (TTM)
5.96
Rev YoY
+52.6%
EPS YoY
+124.4%
Gross Margin
-
Op Margin
-1.9%
Net Debt
-$2.34B
Current Ratio
1.09
As of 2026-07-18 • Updated nightlySource: Internal modelMethodology