Market Pulse57Neutral

Oscar Health, Inc.Opportunity Rank #19(OSCR) Intrinsic Value & DCF Analysis (2026)

Sector: Healthcare

Current Price

$31.07

Last updated: Jul 15, 2026

Price vs Intrinsic Value

$31.07
Price
$222.07
Intrinsic Value
Undervalued by 615%MOS: $177.66

Fundamental Score

81/100
Bullish

Weighted across 6 signals

Narrative Score

52/100
Weak

No change vs previous

Trend Score

94/100
Strong

As of 2026-07-14

The intrinsic value of Oscar Health, Inc. (OSCR) is estimated at $222.07 per share based on a 10-year discounted cash flow (DCF) analysis. At the current price of $31.07, the stock appears undervalued relative to its projected cash flow fundamentals. This estimate assumes a 15.00% long-term growth rate and an 11.74% discount rate, reflecting expected future free cash flow and cost of capital.

The intrinsic value of Oscar Health, Inc. (OSCR) is estimated at $222.07 per share based on a 10-year discounted cash flow (DCF) analysis. At the current price of $31.07, the stock appears undervalued relative to its projected cash flow fundamentals. This estimate assumes a 15.00% long-term growth rate and an 11.74% discount rate, reflecting expected future free cash flow and cost of capital.

Valuation Details

$222.07
▲ 614.74% upside
20% margin of safety: $177.66
Years: 10Growth Rate: 15.00%
Want to create your own valuation? Create a free account.

Fundamental Details

81/100
BullishWeighted across 6 signals
DCF Discount
614.7% discount to price
100
FCF Yield
35.6% trailing FCF yield
100
ROIC vs WACC
ROIC vs WACC unavailable
50
Net Debt / FCF
Net cash position
100
Buybacks
Share count growing
30
FCF CAGR (5Y)
64.7% 5Y FCF CAGR
100
Strengths: DCF Discount, FCF Yield. Concerns: Buybacks.

Narrative Details

52/100
Weak
Vs 6-Month Baseline:Average (42nd pct)Weighted across 3 recent drivers
Trend: StableConfidence: 68%Updated: 13h ago
Sources: 23 (17 News · 6 Analyst)
Drivers(last 30 days)
17 news sentiment+0.2
2 analyst upgrades+0.0
4 analyst reiterations0.0

Trend Details

94/100
StrongAs of 2026-07-14309 daily bars used
3M Relative Strength vs SPY+91.1%
6M Relative Strength vs SPY+66.9%
21 EMA vs 50 EMA+13.2%
Price vs 21 EMA77 · +5.0%
Price vs 50 EMA97 · +18.9%
21 EMA vs 50 EMA98 · +13.2%
3M RS vs SPY100 · +91.1%
6M RS vs SPY100 · +66.9%
Distance from 52W High93 · -3.4%

Investment Coach

Updating... 34d ago
BUYConfidence: 57%
Thesis
Oscar Health, Inc. is significantly undervalued with an estimated fair value over 700% above its current price, supported by strong fundamentals and a healthy free cash flow yield of 40.7%. Despite trailing returns relative to its cost of capital, the company's constructive fundamentals and stable narrative suggest potential for substantial upside.
Key Risk
The key risk is the negative spread between ROIC and WACC, indicating returns are currently below the company's cost of capital.
Signals To Watch
  • Monitor whether valuation discount remains above 10%.
  • Track ROIC vs WACC spread for sustained improvement.
  • Follow narrative trend for meaningful shifts in the score direction.
Ask the Coach - Available with
Historical Growth Rates
Free Cash Flow- - -Trend CAGR: 67.14%5 Year CAGR (Adjusted): 396.87%

Free Cash Flow (in millions)

TTM2025202420232022202120202019
$2,871$1,131$1,006-$247$409-$156$237-$139

How Intrinziq Estimates Fair Value

Intrinziq estimates Oscar Health, Inc.'s intrinsic value using a discounted cash flow (DCF) model based on free cash flow trends and a market-based discount rate. The model projects future cash flows over ten years and discounts them using a market return assumption to estimate fair value.

Oscar Health, Inc.Healthcare

Oscar Health, Inc. operates as a health insurance provider across the United States. Its offerings include various health plans such as those for individuals and families, small businesses, and Medicare Advantage options. The company also features "+Oscar," a proprietary technology platform designed to facilitate engagement between healthcare providers, payers, and their members or patients. Additionally, Oscar Health provides reinsurance solutions. Originally established as Mulberry Health Inc., the firm officially changed its name to Oscar Health, Inc. in January 2021. It was founded in 2012 and maintains its main office in New York, New York.