OSCR · NYSE · STOCK
Oscar Health (OSCR) Stock Analysis
$32.33
52W $10.69 – $34.48
59/100
$8.41B
19.0
2.37
⚠
Buy rating, but near-term risk/reward is unfavorable
The long-term recommendation is based on the composite investment score. The near-term risk/reward is based on nearby support and resistance levels. These can differ when a strong company trades close to resistance with support further below.
Is OSCR Bullish or Bearish?
Bullish.
Innellis AI committee rates Oscar Health, Inc. (OSCR) Buy with a composite score of 59/100
, based on 4 analysts with 75% agreement.
Last updated September 17, 2026.
What Would Change This View
- Upgrade to Strong Buy
- Requires a committee score of 75.0 — +16.27 from today. Applies on the first day at or above the line; upgrades are never dampened.
- Downgrade to Watch
- Requires the score to fall below 55.0 — -3.73 from today. The band boundary is 60.0, but a one-step downgrade must clear a further margin first. A score oscillating around the line should not change the rating every night.
Executive Summary
The primary driver is price structure making higher highs and higher lows. The main limiting factor is growth rate is decelerating quarter over quarter -- the trend line matters more than the level. The committee is constructive but not yet at full conviction.
Bull & Bear Case
Bull Case
- Price structure making higher highs and higher lows — Technical
- MACD histogram positive -- bullish momentum — Technical
- Trend and market structure agree -- coherent bullish picture — Technical
- Weekly trend (uptrend) confirms the daily trend -- multi-timeframe agreement — Technical
- News sentiment is positive (+0.27 across 22 articles, 14d) — News
Bear Case
- Growth rate is decelerating quarter over quarter -- the trend line matters more than the level — Growth
Both cases are generated from quantitative data signals, not qualitative or
forward-looking judgement. They summarise what the numbers say today.
Price History (6M)
AI Investment Committee
Committee Consensus
As of September 17, 2026
Overall Committee Score
59/100
Agreement
75%
Analysts
4
Conviction
High
Sector Rank
Top 41%
of 192 Healthcare peers
Growth Analyst
bearish
35
/ 100 · Low confidence
Growth story is weak, decelerating, or inconsistent
− Growth rate is decelerating quarter over quarter -- the trend line matters more than the level
Technical Analyst
bullish
69
/ 100 · High confidence
Price action is constructive -- trend and momentum agree
+ Price structure making higher highs and higher lows
Macro Analyst
bullish
65
/ 100 · Low confidence
Macro backdrop is supportive of risk assets generally, and this name's beta works in its favor
News Analyst
bullish
66
/ 100 · Low confidence
News flow and recent filings/analyst actions are net positive
+ News sentiment is positive (+0.27 across 22 articles, 14d)
Portfolio Manager
neutral
45
/ 100 · High confidence
Portfolio-level factors are mixed -- worth a deliberate sizing decision, not a default-size position
+ Portfolio position concentration is currently healthy
− Sector concentration is already high (HHI 2514.55)
Investment Thesis Evolution
Committee score moved marginally from 60.0 to 58.7.
- Committee agreement fell modestly from 83% to 75%.
- Bullish support removed: 2 signal(s) disappeared.
- Bearish pressure eased: 1 signal(s) disappeared.
- Analyst(s) changed stance: Growth Analyst.
- Analyst(s) abstained: Risk Analyst, Value Analyst.
Analyst-level changes:
- Growth Analyst: stance bullish->bearish; score 60->35 (-25).
- Risk Analyst abstained (was bearish at 35).
- Value Analyst abstained (was bullish at 65).
Comparing 2026-09-16 to 2026-09-17 (1 day apart).
Technical Analysis
RSI (14)
54.1
Neutral
MACD Histogram
0.149
Bullish Momentum
Trend Direction
Uptrend
Weekly: Uptrend
Market Structure
Hh Hl
Support
$25.39
Resistance
$33.10
Bollinger %B
0.69
Inside Bands
Price vs Moving Averages
EMA 9
$32.34
Below
EMA 21
$31.63
Above
EMA 50
$30.24
Above
EMA 200
$23.59
Above
Fundamental Analysis
Valuation
78
Growth
64
Profitability
20
Financial Health
62
Cash Flow
70
Valuation
P/E Ratio
19.0×
P/B Ratio
4.78×
PEG Ratio
0.19
Dividend Yield
0.00%
52W High
$34.48
52W Low
$10.69
Quality & Growth
ROE
-4532.8%
ROA
-700.6%
Gross Margin
4492.8%
Operating Margin
407.4%
Revenue Growth YoY
—
Debt / Equity
0.21
AI Fundamental Assessment
P/E ratio of 19.0 (inexpensive relative to a 15-40x range); Price-to-book of 4.8x; PEG ratio of 0.2 (under 1.0 suggests growth is undervalued relative to price); Return on equity of -45.3%; Return on assets of -7.0%; Net margin of 3.6%; Gross margin of 44.9%; Current ratio of 1.08 (tight short-term liquidity); Debt-to-equity of 0.21; Free cash flow per share is positive (14.34); Most recent quarter beat estimates by 179.5%; 2 consecutive earnings beats; EPS growth decelerating (+266.9% -> -46.9% QoQ); Analyst estimates rising over recent quarters
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