Oscar Health, Inc. (OSCR) intrinsic value & 10-year financials
Oscar Health, Inc. (OSCR) has no Graham intrinsic value right now because the formula needs positive earnings. Over the last 8 fiscal years revenue shrank 37.7% a year to $28.6M, with an average return on invested capital of 18.0%.
- Graham intrinsic value
- —
- Share price (Oct 17, 2026)
- $31.89
- Market cap
- $8.4B
- Revenue (FY2025)
- $28.6M
- Revenue growth (8-yr CAGR)
- -37.7%
- ROIC (10-yr avg)
- 18.0%
- Free cash flow (FY2025)
- $1.1B
OSCR 10-year financial history
| Fiscal year | Revenue | Net income | EPS (diluted) | Free cash flow | Operating margin | ROIC |
|---|---|---|---|---|---|---|
| FY2025 | $28.6M | -$443.2M | -$1.69 | $1.1B | -1386.2% | 54.0% |
| FY2024 | $20.6M | $25.4M | $0.10 | $950.3M | 278.3% | -10.4% |
| FY2023 | $15.4M | -$270.7M | -$1.22 | -$297.7M | -1525.8% | 47.2% |
| FY2022 | $61.0M | -$606.3M | -$2.85 | $351.3M | -966.3% | -1.5% |
| FY2021 | $5.4M | -$572.6M | -$3.20 | -$207.6M | -10094.2% | -1.4% |
| FY2020 | $0 | -$406.8M | -$2.36 | $208.7M | — | 20.3% |
| FY2019 | $488.2M | -$261.2M | -$1.51 | -$191.4M | -53.1% | — |
| FY2018 | — | — | — | — | — | — |
Source: annual 10-K filings on SEC EDGAR. Figures in USD.
Executive summary
Oscar Health, Inc. revenue growth over the past decade is N/A; insufficient history prevents a reliable 10-year CAGR calculation.
Oscar Health, Inc. has earned high returns on invested capital, averaging 18.0% ROIC over the available history. High ROIC is consistent with a durable franchise, but it is not by itself proof of an economic moat.
Oscar Health, Inc. capital allocation metrics are N/A for the decade; share count and net debt history are incomplete.
Benjamin Graham lens
Under Benjamin Graham's formula using SEC EDGAR fundamentals, Oscar Health, Inc. is modeled at -37.7% normalized earnings growth with a 5.1% bond-yield adjustment. The resulting Graham intrinsic value estimate is $-5.77 per share.