OSCR · NYSE · STOCK
Oscar Health (OSCR) Stock Analysis
$33.37
52W $10.69 – $34.48
62/100
$8.65B
19.5
2.47
Is OSCR Bullish or Bearish?
Bullish.
Innellis AI committee rates Oscar Health, Inc. (OSCR) Buy with a composite score of 62/100
, based on 6 analysts with 83% agreement.
Last updated October 10, 2026.
What Would Change This View
- Upgrade to Strong Buy
- Requires a committee score of 75.0 — +13.23 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 — -6.77 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 committee is genuinely divided. News Analyst sees a compelling case — news sentiment is positive (+0.47 across 19 articles, 14d). Portfolio Manager remains cautious — sector concentration is already high (hhi 2796.97). This disagreement is itself the signal — the setup is not clean in either direction.
Bull & Bear Case
Bull Case
- ROE of 38.5% shows genuine earnings power backing the valuation — Value
- Revenue growing 42.8% YoY -- genuine top-line momentum — Growth
- Price structure making higher highs and higher lows — Technical
- MACD histogram positive -- bullish momentum — Technical
- Weekly trend (uptrend) confirms the daily trend -- multi-timeframe agreement — Technical
- News sentiment is positive (+0.47 across 19 articles, 14d) — News
Bear Case
- Growth rate is decelerating quarter over quarter -- the trend line matters more than the level — Growth
- RSI at 70 is in overbought territory — Technical
- Current ratio of 0.08 is tight -- limited short-term liquidity cushion — Risk
- Bollinger bandwidth of 18.3% signals elevated volatility — Risk
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 October 10, 2026
Overall Committee Score
62/100
Agreement
83%
Analysts
6
Conviction
High
Sector Rank
Top 22%
of 192 Healthcare peers
Value Analyst
bullish
65
/ 100 · High confidence
Classic value case: cheap on multiples with earnings power to back it up
+ ROE of 38.5% shows genuine earnings power backing the valuation
Growth Analyst
bullish
60
/ 100 · Moderate confidence
Strong, accelerating growth with consistent execution
+ Revenue growing 42.8% YoY -- genuine top-line momentum
− Growth rate is decelerating quarter over quarter -- the trend line matters more than the level
Technical Analyst
bullish
61
/ 100 · High confidence
Price action is constructive -- trend and momentum agree
+ Price structure making higher highs and higher lows
− RSI at 70 is in overbought territory
Risk Analyst
neutral
47
/ 100 · Moderate confidence
Moderate risk -- no single red flag, but nothing that clearly de-risks the position either
− Current ratio of 0.08 is tight -- limited short-term liquidity cushion
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
73
/ 100 · Low confidence
News flow and recent filings/analyst actions are net positive
+ News sentiment is positive (+0.47 across 19 articles, 14d)
Portfolio Manager
bearish
30
/ 100 · Moderate confidence
The existing book itself argues for caution here, independent of how good this specific stock looks
− Sector concentration is already high (HHI 2796.97)
Investment Thesis Evolution
Committee score moved marginally from 62.6 to 61.8.
- New bearish signals: 2 appeared.
- Bullish support removed: 1 signal(s) disappeared.
- New bullish signals: 1 appeared.
- Bearish pressure eased: 1 signal(s) disappeared.
Analyst-level changes:
- News Analyst: +1 bullish signal(s).
- Risk Analyst: +1 bearish signal(s).
- Technical Analyst: score 69->61 (-8); +1 bearish signal(s).
Comparing 2026-10-09 to 2026-10-10 (1 day apart).
Technical Analysis
RSI (14)
70.5
Overbought
MACD Histogram
0.303
Bullish Momentum
Trend Direction
Uptrend
Weekly: Uptrend
Market Structure
Mixed
Bollinger %B
0.84
Inside Bands
Price vs Moving Averages
EMA 9
$32.13
Above
EMA 21
$31.59
Above
EMA 50
$30.82
Above
EMA 200
$24.85
Above
Fundamental Analysis
Valuation
76
Growth
64
Profitability
20
Financial Health
62
Cash Flow
70
Valuation
P/E Ratio
19.5×
P/B Ratio
4.91×
PEG Ratio
0.20
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 19.5 (inexpensive relative to a 15-40x range); Price-to-book of 4.9x; 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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