What is the fair value of OSCR stock?

Our analysis estimates the fair value range for OSCR to be between $28.56 and $31.59. The current price is $31.57.

What is the analyst price target for OSCR?

The average Wall Street analyst price target for OSCR is $30.40. This implies a potential upside of -3.7% from current levels.

OSCR Stock Analysis: Buy, Sell, or Hold?

OSCR - Oscar Health, Inc.

HOSPITAL & MEDICAL SERVICE PLANS

$31.57

-0.73 (-2.26%) ▼

5d: +2.57%

30d: +7.02%

90d: +34.8%

WAIT

LOW Confidence

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Analysis Updated: Aug 20, 2026 12:00 AM ET

Earnings: Aug 06, 2026 0d

Smart Money Distribution

Options positioning is turning defensive after a sharp run-up - a pattern consistent with institutional profit-taking. View Scanner →

Signal fired Aug 13, 2026 at $30.78 · last confirmed Aug 17, 2026

Strength: 7.7/10

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Interactive Price Chart (1 Month)

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Bottom Line:
ℹ️ NEUTRAL: OSCR is fairly priced but lacks strong directional signals. At 4.7% expected growth, valuation appears fair. Wait for clearer setup or better entry on dips.

See Forward Earnings Fair Value & Price Prediction →

Long-Term Wealth Forecast (2031)

Based on Analyst Consensus Growth & Historical Valuation

Adjust Growth Assumption: 7.5%

0% (Stagnation) 50% (Hyper Growth)

EST. PRICE IN 2031

$36.32

Based on 5.8% avg growth

INTRINSIC VALUE TODAY

$22.55

Trading above historical range

How this is calculated: We use a Growth Decay Model: starting with analyst consensus growth (adjusted above) and gradually slowing it down to a long-term terminal rate (4%) by Year 5. This provides a more realistic valuation than assuming constant hyper-growth. We then apply a 14.6x Exit PE.

View Full DCF Model

In-depth Analysis How we analyze

Valuation Analysis: OSCR is currently trading at $31.57, which is considered slightly high relative to its 30-day fair value range of $28.56 to $31.59. From a valuation perspective, the stock is trading at a premium (Forward PE: 16.8) compared to its historical average (14.6). At these levels, the market is pricing in 4.7% annual earnings growth. This growth rate appears achievable given the company's track record, suggesting the valuation is rational.

Technical Outlook: Technically, OSCR is in a strong uptrend. Immediate support is located at $25.37, while resistance sits at $33.48.

Market Sentiment: OSCR scores 15/100 on our bottoming-setup gauge. Note this measures entry quality, not trend direction — a low score can mean the chart is extended after a strong run (don't chase) or still falling without stabilization; better entries typically come after a pullback toward the 20-day average. Current signals suggest waiting for a better entry point before initiating new positions.

Quick Decision Summary

Current Position SLIGHTLY HIGH

Historical Trading Range $28.56 - $31.59

Company Quality Score 40/100 (HOLD)

Volume Confirmation HIGH

Confidence Score 39.0%

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All Signals

BEARISH: Weak technical setup (15/100)
BULLISH: High volume confirmation
NEUTRAL: Near Wall St target ($30.40)
NEUTRAL: Market pricing in 4.7% annual earnings growth - fairly valued
WARNING: Composite score 40/100 in the bottom quintile — this cohort historically lags the market

Trading Range Analysis

30-Day Trading Range $28.56 - $31.59

Current vs Trading Range SLIGHTLY HIGH

Support & Resistance Levels

Support Level $25.37

Resistance Level $33.48

Current Trend Strong Uptrend

Technical data as of Aug 20, 2026

Fundamental Context

Forward P/E (Next Year Est.) 16.78

Wall Street Target $30.40 (-3.7%)

Revenue Growth (YoY) 70.4%

Earnings Growth (YoY) 125.6%

Profit Margin 3.6%

Valuation Premium vs History +4.7% premium

PE vs Historical 16.8 vs 14.6 FAIR

Market-Implied Price Targets If current PE multiple persists

Implied Growth (YoY): +4.7% (market-implied from PE analysis)

1-Year Target $33.05 (+5%)

2-Year Target $34.61 (+10%)

3-Year Target $36.23 (+15%)

3-Yr Target (if PE normalizes) (PE: 17→15) PE COMPRESSION $31.53 (0%)

Earnings growth offset by PE compression

3-Year Scenarios Using analyst projected EPS growth

Bull: (PE: 20.1, Growth: 7.5%) $46.92 (+49%)

Base: (SPY PE: 16.8, Growth: 7.5%) $39.22 (+24%)

Bear: (PE: 14.3, Growth: 7.5%) $33.34 (+6%)

📈 Valuation based on Current Earnings

RECOVERY PLAY: Stock looks expensive now (24x PE), but valuation improves significantly next year (17x PE) as earnings recover.

Trailing PE: 24.10 | Current EPS (TTM): $1.34

Bull Case $49.90 (+58%)

Analyst growth 40.4%, PE expands to 26.5

Base Case $45.36 (+44%)

Market implied 40.4%, PE stable at 24.1

Bear Case $21.96 (-30%)

Severe decline -20.0%, PE contracts to 20.5

These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.

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Last updated: August 21, 2026 4:04 AM ET
Data refreshes hourly during market hours. Next update: 5:04 AM

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Technical Signals Check

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Insider Activity (6 Months)

Buys

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INSIDERS BUYING

Recent Transactions

Mark T Bertolini BUY 1000000 shares 2026-04-06

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Advanced OSCR Option Strategies

Professional options setups generated by AI based on today's OSCR price and gamma walls.

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