Oscar HealthOSCR -3.68%79 FCF Margin % is 56.17% as of Mar. 2026, which is 559% above its 10-year median of 8.52. GuruFocus rates OSCR with a GF Score™ of 79/100 and a GF Value™ of $21.04 (Significantly Overvalued). The stock has 4 warning signs investors should review. Among 18 Healthcare Plans companies, Oscar Health ranks better than 94.44% on this metric.
FCF Margin % is calculated as Free Cash Flow divided by its Revenue. Oscar Health's Free Cash Flow for the
three
months ended in Mar. 2026 was $2,610 Mil. Oscar Health's Revenue for the
three
months ended in Mar. 2026 was $4,647 Mil. Therefore, Oscar Health's FCF Margin % for the quarter that ended in Mar. 2026 was 56.17%.
The historical rank and industry rank for Oscar Health's FCF Margin % or its related term are showing as below:
OSCR'
s FCF Margin % Range Over the Past 10 Years
Min: -34.56 Med: 8.52 Max: 35.4
Current: 21.04
During the past 7 years, the highest FCF Margin % of Oscar Health was 35.40%. The lowest was -34.56%. And the median was 8.52%.
OSCR's FCF Margin % is ranked better than 94.44% of 18
companies
in the Healthcare Plans industry
Industry Median: 4.09
vs OSCR: 21.04
Oscar Health FCF Margin % Related Terms
Oscar Health FCF Margin % Historical Data
* Premium members only.
The historical data trend for Oscar Health's FCF Margin % 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 FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Healthcare Plans Industry
For the Healthcare Plans industry and Healthcare sector, Oscar Health's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Oscar Health's FCF Margin % falls into.
* 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 FCF Margin % of 56.17% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Oscar Health and its competitors. This is 559% above median its historical median of 8.52. According to the industry distribution chart, Oscar Health ranks #1 out of 18 companies in the Healthcare Plans industry, placing it in the top 5.6%.
Is Oscar Health's FCF Margin % too high?
Oscar Health's current FCF Margin % of 56.17% is 559% above median its 10-year median of 8.52. The Healthcare Plans industry median FCF Margin % is 4.09. Oscar Health's value of 56.17% is 1273.3% above this industry median. Based on the distribution chart, Oscar Health ranks #1 out of 18 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 79/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Oscar Health's FCF Margin % compare to MOH and ALHC?
According to the Healthcare Plans industry distribution chart, Oscar Health ranks #1 out of 18 companies for FCF Margin %. This places Oscar Health in the top 6% of its industry — outperforming the majority of peers. The industry median FCF Margin % is 4.09. Oscar Health's value of 56.17% is 1273.3% above this benchmark. While the company's 10-year median is 8.52 vs. the industry median of 4.09, Oscar Health has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good FCF Margin % for a Healthcare Plans company?
The median FCF Margin % among Healthcare Plans companies is 4.09, based on 18 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Oscar Health's current FCF Margin % of 56.17% is 1273.3% above 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Oscar Health and its competitors. For the Healthcare Plans industry, the median FCF Margin % is 4.09 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Oscar Health's current FCF Margin % is 56.17%, which is 559% above median its own 10-year median of 8.52. 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 $21.04, compared to a current price of $28.83 — trading 37% above its estimated fair value. The current FCF Margin % is 56.17%, which is 559% above median its 10-year median of 8.52 and 1273.3% above the Healthcare Plans industry median of 4.09. Oscar Health's overall GF Score™ is 79/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Oscar Health (OSCR), the current FCF Margin % is 56.17% as of Mar. 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 $28.83 is trading 37% above its estimated GF Value™ of $21.04.
GuruFocus considers Oscar Health to be Significantly Overvalued.
Key valuation signals for OSCR:
FCF Margin %: 56.17% (559% above median its 10-year median of 8.52)
GF Value™: $21.04 vs. price of $28.83 (37% above fair value)
Industry Position: 1273.3% above the Healthcare Plans median (#1 of 18)
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.
79GF Score
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