Insider buying last 90 days
No open-market insider purchases were filed for OSCR in the last 90 days.
From Form 4 filings, dated to when each was filed.
Every OSCR insider filing, plotted on the chart in Gekko.Open OSCR in Gekko
NYSE: OSCR
Oscar Health (OSCR) Stock Analysis & Forecast
Sep 28 close
$29.65+0.05 (+0.2%)
Gekko Brief
AI summaryOscar Health draws attention this week from an investor day that outlined a new total addressable market forecast alongside raised 2026 to 2029 earnings targets, including projected 2029 EPS of $4 and 2026 operating earnings of $600 to 800 million tied to ACA execution, CHOICE and Lucie marketplace growth. Coverage also points to membership growth of 60% against a contracting ACA market, a 30% market share figure, and a medical loss ratio near 81.5%, alongside a rating upgrade to Strong Buy and separate commentary questioning whether the recent profit rebound holds up as medical costs rise. A director's share sale was disclosed but is incidental against this backdrop.
The stock closes at $29.65, down between its 50-day average of $30.71 and above its 200-day average of $21.64, with a one-month return of -1.3% and a six-month return of 166.2%. The GekkoIndex reads 64, placing the stock in the Accumulation zone, up 4.7 over five days. Gekko Fair Value stands at $32.58, putting price about 9% below that mark.
Earnings are set for 9 November, 41 days out and beyond a typical 20-day holding window, following a prior quarter where actual EPS of $1.1 beat the $0.43 estimate yet the stock reacted -7.3%. Smart-money data shows one billionaire holder and no insider, Congress or options signals in their respective windows. Seasonality over the next 20 trading days has averaged -13.1% across 5 years, positive in just 1 of them, a pattern worth noting alongside a consensus target of $35.40 from 10 firms.
Written by AI and checked automatically against the figures on this page. Generated Sep 29, 2026 from the data above.
Oscar Health price vs fair value
Close $29.65200-day averageGekko Fair Value $32.58
Oscar Health quick facts
- Market cap
- $7.69B
- P/E ratio
- 23.5
- Forward P/E
- 588.2
- EPS, TTM
- $1.23
- Revenue, TTM
- $15.32B
- Profit margin
- 3.6%
- Dividend yield
- —
- Beta
- 2.37
- Volume
- 3.96M avg 5.48M
- 1-year return
- +63.9%
- Typical daily move
- ±6.4%
- Typical 20-day move
- ±16.1%
- 50-day average
- $30.71
- 200-day average
- $21.64
- Next earnings
- Nov 9 before open
- Shares outstanding
- 273.5M
Oscar Health swing-trade checklist
Oscar Health scores 3 supportive, 1 mixed and 1 headwind across the 5 checklist items with data.
Six things swing traders check before a 20-day hold, read from the latest data.
3 supportive1 mixed1 headwind
- Trendmixed
Averages disagree
Close $29.65 sits between the 50-day ($30.71) and 200-day ($21.64) averages, or the averages disagree.
See the chart - GekkoIndexsupportive
64, Accumulation
Reading 64 is in the Accumulation zone.
See the GekkoIndex - Fair valuesupportive
9.0% below
Price is 9% below Gekko Fair Value (more than 5% below).
See fair value - Smart moneyno data
No data
No insider, Congress or unusual options activity in the window.
See smart money - Earnings risksupportive
Reports in 41 days
Next report Nov 9, 2026, 41 days away — outside a typical 20-trading-day hold.
See earnings - Seasonalityheadwind
−13.1% on average
From this point in the calendar, the next 20 trading days averaged −13.1% over 5 years, rising in 1 of them.
See seasonality
A description of current data, not a recommendation. How this page works
Oscar Health stock chart and price history
Oscar Health closed at $29.65 on Sep 28, 2026, +63.9% over the past year, inside a 52-week range of $10.69 to $34.48.
Close50-day average200-day averageVolume
Use the left and right arrow keys to read daily values.
Performance Breakdown
- 1 month
- −1.3%
- 3 months
- +0.7%
- 6 months
- +166.2%
- 1 year
- +63.9%
The full OSCR chart adds GekkoIndex, insider, options, Congress and hedge fund markers, plus TrendCandles™.Open OSCR in Gekko
Follow Oscar Health through every session
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About Oscar Health
Oscar Health provides health insurance to people across the United States, with plans built for individuals and families, small businesses, and those eligible for Medicare Advantage. The company has become known for pairing coverage with its own technology platform, called +Oscar, which connects doctors, insurers, and the members or patients they serve.
Beyond selling insurance plans directly to consumers and businesses, Oscar Health also offers reinsurance arrangements as part of its business. The +Oscar platform itself is positioned as a tool that other healthcare providers and payers can use to manage engagement with their own patient and member bases.
The company was founded in 2012 under the name Mulberry Health Inc. before adopting its current name, Oscar Health, Inc., in January 2021. It is headquartered in New York, New York, and its shares are listed on the NYSE under the ticker OSCR.
- Listed
- NYSE
- Sector
- Health services
- Industry
- Managed health care
- Website
- hioscar.com
Oscar Health GekkoIndex: the smart money zone
Oscar Health’s GekkoIndex — Gekko’s 0 to 100 smart money score — reads 64, in the Accumulation zone, up 4.7 points over five sessions.
64Accumulation
Up 4.7 points over five sessions, from the Neutral zone.
Reading for Sep 28, 2026
What followed past readings in each zone
| Zone | Readings | 5 days | 20 days | ||
|---|---|---|---|---|---|
| Buying | 22 | +9.6% | +16.9% | ||
| Accumulation (current zone) | 228 | +1.2% | +7.2% | ||
| Neutral | 340 | +0.7% | +2.9% | ||
| Distribution | 77 | +1.4% | +0.1% | ||
| Selling | 5 | Too few readings yet | |||
Average OSCR share-price change over the trading days after each daily reading in its GekkoIndex history. Across every stock Gekko tracks, Accumulation readings averaged +2.3% over 20 days. Past behaviour doesn’t guarantee future results.
Accumulation zone: Institutional interest building. About the five zones →
See every daily GekkoIndex reading plotted over the OSCR price, zone by zone.Track OSCR in Gekko
Is Oscar Health stock overvalued? Gekko Fair Value
Oscar Health trades 9.0% below Gekko Fair Value of $32.58, so the shares are undervalued on Gekko’s estimate.
Gekko’s own estimate of what Oscar Health shares are worth, recalculated every trading day.
$32.58
Gekko Fair Value, Sep 26, 2026
9.0% Undervalued
Gekko Fair Value on every chart, with the gap to price updating daily.Open OSCR in Gekko
Oscar Health insider and Congress trading
No open-market insider purchases were filed for Oscar Health, and no Congress trades were disclosed, in the last 90 days.
Plus buybacks, unusual options and fund positions, each dated to when it became public.
Congress trades last 90 days
No trades in OSCR were disclosed by members of Congress in the last 90 days.
From congressional disclosures, which report amounts as ranges.
Congress disclosures for OSCR, plotted on the chart in Gekko.Open OSCR in Gekko
Buybacks
Oscar Health has been buying back its own shares.
- Bought back, year ended Dec 31, 2019
- $2.99M
- As a share of market cap
- 0.04%
From company filings.
Hedge funds and billionaires quarter ended Jun 30
1of the funds Gekko tracks holds OSCR.
0added1opened0trimmed1sold out
Which funds are on each side, name by name.Unlock in Gekko
Oscar Health earnings: next date and track record
Oscar Health reports on Nov 9, 2026, before the open (41 days away), and beat the EPS estimate in 5 of its last 8 reports.
Next earnings report
Nov 9, 2026
Expected before the open, 41 days away
- EPS estimate
- −$0.14
- Revenue estimate
- $4.69B
5 of 8reports beat the EPS estimate
±11.8%average move across the report
5 of 8reports followed by a gain
Share-price move across each report
Last earnings call, Aug 6, 2026 AI summary
- What they said
- Oscar Health reported very strong Q2 2026 results with significant year-over-year growth and improved profitability. Management highlighted record first-half profitability (~$1.0 billion net income), 70% revenue growth to $4.9 billion, a 12-point improvement in MLR to 79.2%, and a record-low SG&A ratio of 14.2%. Membership grew 46% year-over-year to 2.96 million effectuated members. Management attributed performance to disciplined pricing, product differentiation, technology and AI-driven efficiencies, and favorable risk adjustment and prior-period reserve development. The company raised its full-year 2026 outlook (income guidance was increased, management cited a $250 million raise in income guidance) while reiterating a 20% risk-adjustment expectation for the full year. Management discussed product and distribution initiatives including ICHRAx, continued AI deployment, and ongoing investment in platforms to support growth. During Q&A, management was generally confident and detailed on utilization, metal mix, SG&A dynamics, risk-adjustment development, CMS eligibility/program-integrity review, and enrollment/churn dynamics. Key near-term risks discussed included CMS eligibility review and potential disenrollments, outpatient utilization being elevated relative to other categories, and the usual seasonality (deductible burn) that could push MLR higher in the second half.
- Guidance
- Raised full-year 2026 outlook (income guidance increased by $250 million per management). Management reiterated an expectation that risk adjustment will be ~20% of direct premiums for the full year 2026. No specific numeric revenue or EPS targets were restated on the call beyond reaffirming full-year revenue guidance.
- Risks flagged
- CMS program-integrity and eligibility verification leading to potential disenrollments and revenue timing shifts; elevated outpatient utilization which management is monitoring; seasonality/deductible burn raising MLR in back half of year; uncertainty in early-stage risk-adjustment data (Wakely/CMS reports) that could evolve; potential IDR impacts for narrow-network arrangements (downplayed but noted).
| Reported | EPS | Revenue | Move |
|---|---|---|---|
| Aug 6, 2026 | $1.10 est $0.43 | $4.79B est $4.73B | −7.3% |
| May 6, 2026 | $2.07 est $1.10 | $4.58B est $4.90B | +16.3% |
| Feb 10, 2026 | −$1.24 est −$0.92 | $2.75B est $3.12B | +7.4% |
| Nov 6, 2025 | −$0.53 est −$0.55 | $2.99B est $3.05B | +4.1% |
| Aug 6, 2025 | −$0.89 est −$0.90 | $2.86B est $3.07B | +9.7% |
| May 7, 2025 | $0.92 est $0.83 | $3.05B est $2.78B | +30.5% |
| Feb 4, 2025 | −$0.62 est −$0.58 | $2.39B est $2.83B | −6.0% |
| Nov 7, 2024 | −$0.22 est −$0.18 | $2.42B est $2.34B | −12.9% |
“Move” is the close of the first session after the report compared with the close of the last session before it, so it reads the same whether the company reported before the open or after the close.
Oscar Health stock forecast and analyst price targets
Analysts’ average 12-month price target for Oscar Health is $35.40, +19.4% from the last close, from 10 firms rating the stock in the last 90 days.
$35.40consensus 12-month target, +19.4% from the last close
Now $29.65Avg $35.40
Low $26High $49
Each firm’s latest rating in the last 90 days: 10 firms.
Latest analyst actions
| Date | Firm | Target | vs price |
|---|---|---|---|
| Sep 23 | Piper Sandler | $48 | +61.9% |
| Sep 22 | Raymond James | — | — |
| Sep 18 | Raymond James | $42 | +41.7% |
| Sep 17 | Barclays | $49 | +65.3% |
| Sep 17 | Jefferies | $31 | +4.6% |
+7.2%average 20-day move after past Accumulation readings
−13.1%average move over the next 20 trading days in the last 5 years
±6.4%typical daily move, from the 14-day average range
Gekko doesn’t publish price predictions. These are analyst targets and historical base rates, which don’t guarantee future results.
Oscar Health seasonality: the next 20 trading days
Over the next 20 trading days from Sep 29, Oscar Health averaged −13.1% across the last 5 years, rising in 1 of them.
Next 20 trading days, by year
Average move and hit rate
| Window | Average | Years higher |
|---|---|---|
| Next 5 trading days | −0.3% | 1 of 5 |
| Next 10 trading days | −12.4% | 1 of 5 |
| Next 15 trading days | −13.0% | 1 of 5 |
| Next 20 trading days | −13.1% | 1 of 5 |
| Next 30 trading days | −17.2% | 1 of 5 |
For scale, OSCR’s typical 20-trading-day move in either direction is about 16.1%.
Oscar Health market cap and key statistics
Oscar Health’s market cap is $7.69B, with a P/E ratio of 23.5 and revenue of $15.32B over the last twelve months.
Valuation
- Market cap
- $7.69B
- P/E ratio
- 23.5
- Forward P/E
- 588.2
- EPS, TTM
- $1.23
- Gekko Fair Value
- $32.58
Trading
- Volume
- 3.96M
- Avg volume, 20 days
- 5.48M
- 52-week high
- $34.48
- 52-week low
- $10.69
- Shares outstanding
- 273.5M
Financials
- Revenue, TTM
- $15.32B
- Profit margin
- 3.6%
- Return on equity
- 34.3%
- Quarterly earnings growth, YoY
- +125.6%
Risk and income
- Beta
- 2.37
- Typical daily move
- ±6.4%
- Typical 20-day move
- ±16.1%
Oscar Health stock news this week
6 headlines about Oscar Health from the past week, newest first, each linking to the publisher.
- Form 4 Oscar Health Inc For: 28 September By Investing.comInvesting.com India, Sep 28
- Oscar Health: Market Share Gains Are Only Part Of The PlanSeeking Alpha, Sep 26
- Can Oscar Health Sustain Its Profit Rebound as Medical Costs Rise?Zacks Investment Research, Sep 23
- All You Need to Know About Oscar Health (OSCR) Rating Upgrade to Strong BuyZacks Investment Research, Sep 23
- Oscar Health: Investor Day Offered New TAM Forecast Which Is Very Bullish, If Smoothly ExecutedSeeking Alpha, Sep 23
- Oscar Health (NYSE:OSCR) Director Vanessa Ames Wittman Sells 25,000 SharesDefense World, Sep 23
Oscar Health peers
Oscar Health’s 6 largest industry peers by market value, with today’s move, GekkoIndex zone and gap to Gekko Fair Value.
| Stock | GekkoIndex zone | vs Fair Value |
|---|---|---|
| UNHUnitedHealth | Accumulation | 0.8% above |
| ELVElevance Health | Accumulation | 34.9% below |
| CICigna | Accumulation | 38.4% below |
| HUMHumana | Neutral | 22.8% below |
| CNCCentene | Accumulation | 25.3% below |
| MOHMolina Healthcare | Accumulation | 42.0% below |
A peer links to its own page where one exists.
Oscar Health stock FAQ
What is Oscar Health’s market cap?
Oscar Health’s market cap is $7.69B at the Sep 28, 2026 close of $29.65, with 273.5M shares outstanding. The shares trade on a P/E ratio of 23.5.
What is the Oscar Health stock forecast?
The consensus analyst 12-month price target for Oscar Health is $35.40, +19.4% from the last close. Of the 10 firms that rated the stock in the last 90 days, 3 rate it a buy, 6 a hold and 1 a sell. Gekko doesn’t publish price predictions of its own.
Is Oscar Health stock overvalued or undervalued?
On Gekko’s estimate Oscar Health is undervalued: the Sep 28, 2026 close of $29.65 is 9.0% below Gekko Fair Value of $32.58. Gekko Fair Value is recalculated every trading day, and a gap inside 5% either way counts as about fair value.
When does Oscar Health report earnings next?
Oscar Health is expected to report on Nov 9, 2026, before the market opens (41 days away). Analysts expect earnings of −$0.14 per share on revenue of $4.69B. Oscar Health beat the earnings estimate in 5 of its last 8 reports, moving 11.8% on average across the report.
What is Oscar Health’s 52-week high and low?
Oscar Health’s 52-week high is $34.48 and its 52-week low is $10.69; it closed at $29.65 on Sep 28, 2026, +63.9% over the past year.
Is Oscar Health stock a buy right now?
Gekko describes the data; it does not make buy or sell recommendations. On the swing-trade checklist, 3 of the 5 items with data read as supportive (gekkoindex, fair value and earnings risk), 1 as mixed (trend) and 1 as a headwind (seasonality). The checklist is a description of current data, not a recommendation.
How this page works
During US trading hours the price at the top of the page is a delayed quote, refreshed every 15 minutes; everything else is rebuilt after each US market close. The GekkoIndex, Gekko Fair Value and the checklist are Gekko’s own, and the Gekko Brief is written by AI from this page’s data and checked against it before it is published. How Gekko’s data works →
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