OSCR (Oscar Health) Moat Score: 4/10 (As of Jul. 09, 2026)


OSCR Oscar Health Inc OSCR
76 GF Score
Price $30.80
GF Value $21.26
Valuation Significantly Overvalued
! 5 Warning Signs
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What is Oscar Health Moat Score?

Oscar Health OSCR -0.03% 76 Moat Score is 4 as of Jul. 09, 2026. GuruFocus rates OSCR with a GF Score™ of 76/100 and a GF Value™ of $21.26 (Significantly Overvalued). The stock has 5 warning signs investors should review. Among 18 Healthcare Plans companies, Oscar Health ranks better than 50% on this metric.

Oscar Health has the Moat Score of 4, which implies that the company might have Narrow Moat - Discernible but modest moat.

Oscar Health has Narrow Moat: Oscar Health Inc has some regulatory barriers and a growing customer base in the health insurance sector. However, it faces intense competition and lacks significant pricing power or brand strength, resulting in a modest moat.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Oscar Health might have Narrow Moat - Discernible but modest moat.

Oscar Health  (NYSE:OSCR) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Oscar Health Moat Score Related Terms

OSCR vs MOH, ALHC, CLOV: Moat Score Comparison

For the Healthcare Plans subindustry, Oscar Health's Moat Score, along with its competitors' market caps and Moat Score 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 Moat Score vs Healthcare Plans Industry

For the Healthcare Plans industry and Healthcare sector, Oscar Health's Moat Score distribution charts can be found below:

* The bar in red indicates where Oscar Health's Moat Score falls into.


OSCR
76GF Score
Oscar Health Inc OSCR
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 4 mean?
Oscar Health (OSCR) has a Moat Score of 4 as of Jul. 09, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Oscar Health ranks #9 out of 18 companies in the Healthcare Plans industry, placing it in the top 50%.
Is Oscar Health's Moat Score too high?
Oscar Health's current Moat Score is 4. The Healthcare Plans industry median Moat Score is 4.00. Oscar Health's value of 4 is 0% at this industry median. Based on the distribution chart, Oscar Health ranks #9 out of 18 companies in the Healthcare Plans industry, which is above the industry midpoint. Overall, Oscar Health has a GF Score™ of 76/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Oscar Health's Moat Score compare to MOH and ALHC?
According to the Healthcare Plans industry distribution chart, Oscar Health ranks #9 out of 18 companies for Moat Score. This puts Oscar Health in the upper half of its industry. The industry median Moat Score is 4.00. Oscar Health's value of 4 is 0% at this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Healthcare Plans company?
The median Moat Score among Healthcare Plans companies is 4.00, based on 18 companies in the industry. Companies in the top quartile (top 25%) have a Moat Score significantly above this median, while those in the bottom quartile fall well below. However, Moat Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Oscar Health's current Moat Score of 4 is 0% at 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 Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. For the Healthcare Plans industry, the median Moat Score is 4.00 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Oscar Health's current Moat Score is 4. 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 $30.80 — trading 44.9% above its estimated fair value. The current Moat Score is 4 and 0% at the Healthcare Plans industry median of 4.00. Oscar Health's overall GF Score™ is 76/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Oscar Health (OSCR), the current Moat Score is 4 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 $30.80 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:

  • Moat Score: 4
  • GF Value™: $21.26 vs. price of $30.80 (44.9% above fair value)
  • GF Score™: 76/100 with 5 warning signs
  • Industry Position: 0% at the Healthcare Plans median (#9 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 Business Description

Address 75 Varick Street, 5th Floor, New York, NY, USA, 10013
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.
76GF Score

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Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$30.80
Price
$21.26
GF Value