Oscar HealthOSCR -1.00%74 EV-to-FCF is 1.76 as of Jul. 09, 2026. GuruFocus rates OSCR with a GF Score™ of 74/100 and a GF Value™ of $21.26 (Significantly Overvalued). The stock has 5 warning signs investors should review. Among 17 Healthcare Plans companies, Oscar Health ranks better than 88.24% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Oscar Health's Enterprise Value is $4,918 Mil.
Oscar Health's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was $2,799 Mil. Therefore, Oscar Health's EV-to-FCF for today is 1.76.
The historical rank and industry rank for Oscar Health's EV-to-FCF or its related term are showing as below:
OSCR'
s EV-to-FCF Range Over the Past 10 Years
Min: -61.14 Med: -0.39 Max: 30.08
Current: 1.76
During the past 7 years, the highest EV-to-FCF of Oscar Health was 30.08. The lowest was -61.14. And the median was -0.39.
OSCR's EV-to-FCF is ranked better than 88.24% of 17
companies
in the Healthcare Plans industry
Industry Median: 18.07
vs OSCR: 1.76
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Oscar Health's PE Ratio (TTM) for today is calculated as:
Oscar Health's share price for today is $30.81.
Oscar Health's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $-0.590.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Oscar Health EV-to-FCF Related Terms
Oscar Health EV-to-FCF Historical Data
* Premium members only.
The historical data trend for Oscar Health's EV-to-FCF can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Healthcare Plans subindustry, Oscar Health's EV-to-FCF, along with its competitors' market caps and EV-to-FCF data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Oscar Health EV-to-FCF vs Healthcare Plans Industry
For the Healthcare Plans industry and Healthcare sector, Oscar Health's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Oscar Health's EV-to-FCF falls into.
Oscar Health's current Enterprise Value is $4,918 Mil.
Oscar Health's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $2,799 Mil.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Oscar Health (OSCR) has a EV-to-FCF of 1.76 as of Jul. 09, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Oscar Health and its competitors. According to the industry distribution chart, Oscar Health ranks #2 out of 17 companies in the Healthcare Plans industry, placing it in the top 11.8%.
Is Oscar Health's EV-to-FCF too high?
Oscar Health's current EV-to-FCF is 1.76. The Healthcare Plans industry median EV-to-FCF is 18.07. Oscar Health's value of 1.76 is 90.3% below this industry median. Based on the distribution chart, Oscar Health ranks #2 out of 17 companies in the Healthcare Plans industry, which is in the top quartile — a strong position relative to peers. Overall, Oscar Health has a GF Score™ of 74/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Oscar Health's EV-to-FCF compare to MOH and ALHC?
According to the Healthcare Plans industry distribution chart, Oscar Health ranks #2 out of 17 companies for EV-to-FCF. This places Oscar Health in the top 12% of its industry — outperforming the majority of peers. The industry median EV-to-FCF is 18.07. Oscar Health's value of 1.76 is 90.3% below this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-FCF for a Healthcare Plans company?
The median EV-to-FCF among Healthcare Plans companies is 18.07, based on 17 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Oscar Health's current EV-to-FCF of 1.76 is 90.3% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Oscar Health and its competitors. For the Healthcare Plans industry, the median EV-to-FCF is 18.07 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Oscar Health's current EV-to-FCF is 1.76. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Oscar Health stock overvalued right now?
Based on GuruFocus' analysis, Oscar Health (OSCR) is currently considered Significantly Overvalued. The stock's GF Value™ is $21.26, compared to a current price of $30.81 — trading 44.9% above its estimated fair value. The current EV-to-FCF is 1.76 and 90.3% below the Healthcare Plans industry median of 18.07. Oscar Health's overall GF Score™ is 74/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Oscar Health (OSCR), the current EV-to-FCF is 1.76 as of Jul. 09, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Oscar Health (OSCR) Overvalued in 2026?
Based on GuruFocus' analysis, Oscar Health stock appears to be overvalued.
The current stock price of $30.81 is trading 44.9% above its estimated GF Value™ of $21.26.
GuruFocus considers Oscar Health to be Significantly Overvalued.
Key valuation signals for OSCR:
EV-to-FCF: 1.76
GF Value™: $21.26 vs. price of $30.81 (44.9% above fair value)
Industry Position: 90.3% below the Healthcare Plans median (#2 of 17)
No single metric tells the full story. See the OSCR stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Oscar Health Inc is a healthcare technology company built around a full stack technology platform and a relentless focus on serving its members. It offers Individual & Family plans and health technology solutions that power the healthcare industry. Oscar operates as one segment to sell insurance to individuals, families and employees through the federal and state-run healthcare exchanges formed in conjunction with the Patient Protection and Affordable Care Act (ACA) and leverages its technology platform to provide services via its Oscar offering.
74GF Score
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