Market Pulse50Neutral

Oscar Health, Inc.Opportunity Rank #82(OSCR) Intrinsic Value & DCF Analysis (2026)

Sector: Healthcare

Current Price

$12.21

Last updated: Mar 24, 2026

Price vs Intrinsic Value

$12.21
Price
$116.50
Intrinsic Value
Undervalued by 854%MOS: $93.20

Fundamental Score

81/100
Bullish

Weighted across 6 signals

Narrative Score

49/100
Weak

No change vs previous

The intrinsic value of Oscar Health, Inc. (OSCR) is estimated at $116.50 per share based on a 10-year discounted cash flow (DCF) analysis. At the current price of $12.21, the stock appears undervalued relative to its projected cash flow fundamentals. This estimate assumes a 15.00% long-term growth rate and a 10.92% discount rate, reflecting expected future free cash flow and cost of capital.

The intrinsic value of Oscar Health, Inc. (OSCR) is estimated at $116.50 per share based on a 10-year discounted cash flow (DCF) analysis. At the current price of $12.21, the stock appears undervalued relative to its projected cash flow fundamentals. This estimate assumes a 15.00% long-term growth rate and a 10.92% discount rate, reflecting expected future free cash flow and cost of capital.

Valuation Details

$116.50
▲ 854.14% upside
20% margin of safety: $93.20
Years: 10Growth Rate: 15.00%
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Fundamental Details

81/100
BullishWeighted across 6 signals
DCF Discount
854.1% discount to price
100
FCF Yield
35.7% 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)
36.7% 5Y FCF CAGR
100
Strengths: DCF Discount, FCF Yield. Concerns: Buybacks.

Narrative Details

49/100
Weak
Vs 6-Month Baseline:Average (55th pct)Weighted across 4 recent drivers
Trend: StableConfidence: 74%Updated: 1h ago
Sources: 29 (27 News · 2 Analyst)
Drivers(last 30 days)
3 regulatory scrutiny-0.1
23 news sentiment-0.0
Macro headwinds+0.0
2 analyst upgrades+0.0

Investment Coach

Updated 17h ago
BUYConfidence: 57%
Thesis
Oscar Health, Inc. is significantly undervalued with an estimated fair value over 850% above its current price, supported by strong fundamentals and a healthy free cash flow yield of 35.7%. Despite trailing returns relative to its cost of capital, the company's constructive fundamentals and robust free cash flow growth suggest attractive upside potential.
Key Risk
The key risk is the negative spread between ROIC and WACC, indicating returns are currently below the estimated cost of capital, which could pressure valuation if not improved.
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.
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Historical Growth Rates
Free Cash Flow- - -Trend CAGR: 48.07%5 Year CAGR (Adjusted): 318.78%

Free Cash Flow (in millions)

TTM2025202420232022202120202019
$1,131$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. provides health insurance products and services in the United States. The company offers Individual & Family, Small Group, and Medicare Advantage plans, as well as +Oscar, a technology driven platform designed to help providers and payor clients to engage with members and patients. It also provides reinsurance products. The company was formerly known as Mulberry Health Inc. and changed its name to Oscar Health, Inc. in January 2021. Oscar Health, Inc. was incorporated in 2012 and is headquartered in New York, New York.