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Oscar Health (OSCR), a health insurer focused on the individual market, will enter South Carolina and expand to 713 counties across 21 states for 2027, a 24% in

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Analyst’s Disclosure: I/we have a beneficial long position in the shares of OSCR either through stock ownership, options, or other derivatives. I wrote this article myself, and it expresses my own opinions. I am not receiving compensation for it (other than from Seeking Alpha). I have no business relationship with any company whose stock is mentioned in this article.

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Oscar Health, Inc. (OSCR - Free Report) closed the most recent trading day at $34.32, moving +1.57% from the previous trading session. The stock outpaced the S&P 500's daily loss of 1.11%. Elsewhere, the Dow saw a downswing of 0.09%, while the tech-heavy Nasdaq depreciated by 1.88%.

Shares of the company have appreciated by 4.16% over the course of the past month, outperforming the Finance sector's loss of 3.61%, and the S&P 500's gain of 2.06%.

The upcoming earnings release of Oscar Health, Inc. will be of great interest to investors. The company's earnings report is expected on November 5, 2026. The company's earnings per share (EPS) are projected to be -$0.11, reflecting a 79.25% increase from the same quarter last year. At the same time, our most recent consensus estimate is projecting a revenue of $4.72 billion, reflecting a 58.14% rise from the equivalent quarter last year.

For the entire fiscal year, the Zacks Consensus Estimates are projecting earnings of $1.83 per share and a revenue of $18.81 billion, representing changes of +208.28% and +60.77%, respectively, from the prior year.

Additionally, investors should keep an eye on any recent revisions to analyst forecasts for Oscar Health, Inc. Recent revisions tend to reflect the latest near-term business trends. With this in mind, we can consider positive estimate revisions a sign of optimism about the business outlook.

Our research shows that these estimate changes are directly correlated with near-term stock prices. To utilize this, we have created the Zacks Rank, a proprietary model that integrates these estimate changes and provides a functional rating system.

The Zacks Rank system, ranging from #1 (Strong Buy) to #5 (Strong Sell), possesses a remarkable history of outdoing, externally audited, with #1 stocks returning an average annual gain of +25% since 1988. Within the past 30 days, our consensus EPS projection has moved 18.79% higher. Oscar Health, Inc. is currently a Zacks Rank #1 (Strong Buy).

In the context of valuation, Oscar Health, Inc. is at present trading with a Forward P/E ratio of 18.43. For comparison, its industry has an average Forward P/E of 10.09, which means Oscar Health, Inc. is trading at a premium to the group.

It's also important to note that OSCR currently trades at a PEG ratio of 0.37. The PEG ratio is similar to the widely-used P/E ratio, but this metric also takes the company's expected earnings growth rate into account. The average PEG ratio for the Insurance - Multi line industry stood at 0.95 at the close of the market yesterday.

The Insurance - Multi line industry is part of the Finance sector. Currently, this industry holds a Zacks Industry Rank of 156, positioning it in the bottom 37% of all 250+ industries.

The Zacks Industry Rank gauges the strength of our industry groups by measuring the average Zacks Rank of the individual stocks within the groups. Our research shows that the top 50% rated industries outperform the bottom half by a factor of 2 to 1.

Make sure to utilize Zacks.com to follow all of these stock-moving metrics, and more, in the coming trading sessions.

Momentum investing is essentially the opposite of the tried-and-tested Wall Street adage -- "buy low and sell high." Investors following this investing style typically avoid betting on cheap stocks and waiting long for them to recover. They believe instead that one could make far more money in lesser time by "buying high and selling higher."

Everyone likes betting on fast-moving trending stocks, but it isn't easy to determine the right entry point. These stocks often lose momentum when their future growth potential fails to justify their swelled-up valuation. In that phase, investors find themselves invested in shares that have limited to no upside or even a downside. So, betting on a stock just by looking at the traditional momentum parameters could be risky at times.

It could be safer to invest in bargain stocks that have been witnessing price momentum recently. While the Zacks Momentum Style Score (part of the Zacks Style Scores system), which pays close attention to trends in a stock's price or earnings, is pretty useful in identifying great momentum stocks, our 'Fast-Paced Momentum at a Bargain' screen comes handy in spotting fast-moving stocks that are still attractively priced.

Oscar Health, Inc. (OSCR - Free Report) is one of the several great candidates that made it through the screen. While there are numerous reasons why this stock is a great choice, here are the most vital ones:

Investors' growing interest in a stock is reflected in its recent price increase. A price change of 4.2% over the past four weeks positions the stock of this company well in this regard.

While any stock can see a spike in price for a short period, it takes a real momentum player to deliver positive returns for a longer time frame. OSCR meets this criterion too, as the stock gained 9.8% over the past 12 weeks.

Moreover, the momentum for OSCR is fast paced, as the stock currently has a beta of 2.47. This indicates that the stock moves 147% higher than the market in either direction.

Given this price performance, it is no surprise that OSCR has a Momentum Score of B, which indicates that this is the right time to enter the stock to take advantage of the momentum with the highest probability of success.

In addition to a favorable Momentum Score, an upward trend in earnings estimate revisions has helped OSCR earn a Zacks Rank #1 (Strong Buy). Our research shows that the momentum-effect is quite strong among Zacks Rank #1 and #2 stocks. That's because as covering analysts raise their earnings estimates for a stock, more and more investors take an interest in it, helping its price race to keep up. You can see the complete list of today's Zacks Rank #1 (Strong Buy) stocks here >>>>

Most importantly, despite possessing fast-paced momentum features, OSCR is trading at a reasonable valuation. In terms of Price-to-Sales ratio, which is considered as one of the best valuation metrics, the stock looks quite cheap now. OSCR is currently trading at 0.68 times its sales. In other words, investors need to pay only 68 cents for each dollar of sales.

So, OSCR appears to have plenty of room to run, and that too at a fast pace.

In addition to OSCR, there are several other stocks that currently pass through our 'Fast-Paced Momentum at a Bargain' screen. You may consider investing in them and start looking for the newest stocks that fit these criteria.

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Key Takeaways Oscar Health raises its 2026 operating earnings outlook to $500M-$700M, keeping revenue guidance unchanged.OSCR's 1H MLR improves to 75% from 83%, driven by disciplined pricing and favorable utilization.OSCR faces 2%-4% monthly churn in the second half, alongside rising medical costs and enrollment spending. Oscar Health, Inc. (OSCR - Free Report) raised its 2026 earnings from operations outlook to a range of $500 million to $700 million from $250 million to $450 million after a second quarter marked by improved underwriting and expense efficiency. The company kept its 2026 revenue view at $18.7 billion-$19 billion.

The higher profit range shifts the investor debate from growth alone to margin durability. Oscar's pricing, medical loss performance and technology leverage improved sharply, but the second half brings higher churn, seasonal medical costs and open-enrollment spending.

Oscar's Q2 Profitability Resets 2026 Earnings ViewSecond-quarter earnings of $1.10 per share topped the Zacks Consensus Estimate of 43 cents. Revenues reached $4.9 billion, up 70.4% year over year, while adjusted EBITDA improved to $415.3 million from a $199.4 million loss a year earlier.

The Zacks Consensus Estimate for 2026 and 2027 EPS represents an increase of 208.3% and 21% respectively.

Image Source: Zacks Investment Research

Premium revenues climbed 70.8% to $4.8 billion, while medical expenses rose 48.6% to $3.8 billion. Oscar raised operating earnings guidance but left its revenue outlook unchanged, leaving the guidance change concentrated in profitability rather than the top line.

OSCR's MLR Improvement Shows Pricing Is WorkingOscar's first-half 2026 medical loss ratio improved to 75% from 83% a year earlier. Management attributed the change to disciplined pricing, stronger current-year performance, favorable utilization and prior-period reserve development.

Not all of the benefit came from current-period performance. Oscar recorded $164 million of favorable prior-period development in the second quarter, including about $160 million from final 2025 risk adjustment, so investors may distinguish recurring pricing gains from items that may not repeat.

Oscar's Tech Platform Is Driving Expense LeverageSelling, general and administrative expenses rose 29.3% year over year to $691.1 million, but the second-quarter ratio fell to a company-low 14.2%. Oscar cited fixed-cost leverage and technology-driven efficiencies as membership expanded.

The claims platform delivered 98.7% first-pass accuracy and processed most claims in under 48 hours. Management expects artificial intelligence initiatives across benefits, billing, claims, clinical care and member support to generate material savings and support further scalability.

OSCR Faces a Tougher Back Half as Churn RisesOscar expects roughly 0.25 million-0.3 million members to be retroactively disenrolled under program-integrity actions. Back-half monthly churn is projected at 2%-4%, while the medical loss ratio is expected to rise sequentially and fourth-quarter administrative spending should increase with open enrollment.

Oscar's Ratings Reinforce the Improved Earnings SetupThe earnings setup is stronger, but the stock's rating picture is not uniformly favorable across styles. Oscar carries a Zacks Rank #1 (Strong Buy), alongside a VGM Score of A, Growth Score of A, Value Score of B and Momentum Score of C.

The Zacks Rank is designed around earnings-estimate revision trends over one to three months. The VGM Score blends value, growth and momentum characteristics, with A and B grades more favorable. OSCR's Growth Score of A and Value Score of B support the composite, while its Momentum Score of C is a comparatively less favorable reading.

Other Stocks to ConsiderElevance Health, Inc. (ELV - Free Report) and UnitedHealth Group (UNH - Free Report) are two other top-ranked stocks. Both carry a Zacks Rank #2 (Buy). You can see the complete list of today’s Zacks #1 Rank stocks here.

The Zacks Consensus Estimate for 2026 earnings of Elevance Health moved north over the last 30 days, while that for UnitedHealth witnessed no movement in the same time frame.

In terms of share price movement, Elevance Health and UnitedHealth Group lost 1.1% and 11%, respectively, in the past three months.

Here are three stocks with buy ranks and strong growth characteristics for investors to consider today, October 13:

Petco Health and Wellness Company, Inc. (WOOF - Free Report) : This pet specialty retailer carries a Zacks Rank #1, and has witnessed the Zacks Consensus Estimate for its current year earnings increasing 26.3% over the last 60 days.

Petco Health and Wellness Company has a PEG ratio of 0.84 compared with 2.11 for the industry. The company possesses a Growth Score of A.

Five Below, Inc. (FIVE - Free Report) : This specialty value retailer from the United States carries a Zacks Rank #1, and has witnessed the Zacks Consensus Estimate for its current year earnings increasing 15.2% over the last 60 days.

Five Below has a PEG ratio of 0.83 compared with 2.11 for the industry. The company possesses a Growth Score of B.

Oscar Health, Inc. (OSCR - Free Report) : This healthcare technology company carries a Zacks Rank #1, and has witnessed the Zacks Consensus Estimate for its current year earnings increasing 18.8% over the last 60 days.

Oscar Health has a PEG ratio of 0.37 compared with 0.86 for the industry. The company possesses a Growth Score of A.

See the full list of top ranked stocks here.

Learn more about the Growth score and how it is calculated here.

Key Takeaways OSCR's ACA marketplace growth offers opportunities, but sustainable profits hinge on cost discipline.OSCR plans to enter over 150 additional metro areas by 2027, expanding its geographic reach & customer base.OSCR shares have surged 130% year to date, but its 4.94 price-to-book ratio exceeds the industry's 2.64. Oscar Health’s (OSCR - Free Report) growth prospects remain closely linked to the expansion of the Affordable Care Act (ACA) marketplace. However, the key question is whether its recent momentum reflects a lasting competitive advantage or continued reliance on favorable policy and market conditions.

Enhanced premium subsidies have historically improved affordability and supported marketplace enrollment, enabling Oscar to attract members through its technology-driven platform, consumer-focused offerings and expanding provider relationships. A growing membership base could strengthen operating leverage by spreading technology and administrative expenses across more customers. Disciplined pricing and improved medical-cost management could further help convert enrollment gains into sustainable profitability.

Oscar’s expansion plans also offer meaningful growth opportunities. The company aims to enter more than 150 additional metropolitan statistical areas by 2027, broadening its geographic footprint and customer reach. Its strategy aligns with healthcare trends such as digitalization, rising demand for personalized services and increasing emphasis on affordable coverage.

Nevertheless, Oscar’s significant ACA exposure presents a concentration risk. Changes in subsidy policies could weaken affordability, increase member churn and alter the membership risk profile, potentially putting pressure on underwriting margins. Rising medical utilization and pricing missteps could further undermine profitability.

Ultimately, Oscar’s long-term growth sustainability will depend on its ability to translate membership expansion into consistent earnings through disciplined underwriting, cost efficiency and technological advantages, rather than relying primarily on supportive policies and favorable industry conditions.

What About Peers?Molina Healthcare (MOH - Free Report) is well positioned to benefit from several long-term trends supporting government-sponsored healthcare.  As of June 30, 2026, total membership of Molina Healthcare decreased 14.3% year over year to around 4.9 million. Rising healthcare utilization, an aging U.S. population and a strategic shift toward D-SNPs should support sustained membership growth for Molina Healthcare.

Centene Corporation (CNC - Free Report) has shifted its strategy from prioritizing membership growth to improving earnings quality through disciplined pricing and portfolio optimization.  Centene continues to benefit from a large and diversified membership base supported by contract wins and expansion in attractive government-sponsored programs. Centene is also shifting toward higher-quality membership, including growing PDP and dual-eligible Medicare exposure.

OSCR’s Price PerformanceShares of Oscar Health have gained 130.3% year to date, outperforming the industry.

Image Source: Zacks Investment Research

OSCR’s Expensive ValuationThe stock is overvalued compared with its industry. It is currently trading at a price-to-book multiple of 4.94, higher than the industry average of 2.64. 

Image Source: Zacks Investment Research

Estimate Movement for OSCRThe Zacks Consensus Estimate for OSCR’s third-quarter and fourth-quarter 2026 bottom line witnessed positive movement in the last 30 days. The same holds true for 2026 and 2027. 
 

Image Source: Zacks Investment Research

For Immediate ReleaseChicago, IL – October 7, 2026 – Today, Zacks Equity as Prudential Financial Inc. (PRU - Free Report) , Principal Financial Group Inc. (PFG - Free Report) , Assurant Inc. (AIZ - Free Report) , Oscar Health (OSCR - Free Report) and Horace Mann Educators (HMN - Free Report) .

Industry: Insurance - Multiline

Link: https://www.zacks.com/commentary/3001275/5-stocks-to-buy-from-the-prosperous-multiline-insurance-industry

Product diversification has been helping Zacks Multiline Insurance industry players lower concentration risk, ensure uninterrupted revenue generation and improve retention ratio. Better pricing, prudent underwriting, increased exposure and faster economic recovery should benefit Prudential Financial Inc., Principal Financial Group Inc., Assurant Inc., Oscar Health and Horace Mann Educators. Accelerated digitalization will help in the smooth functioning of the industry. 

The increasing acceptance of embedded insurance is also expected to drive the industry. Per a report in Financial Services, premiums from embedded insurance are projected to exceed $722 billion globally by 2030.

The solid capital level of multiline insurers will fuel merger and acquisition (M&A) activities. At its latest meeting, the Federal Reserve raised the benchmark interest rate by 25 basis points under Chair Kevin Warsh, lifting the federal funds rate target range to 3.75%-4%. Insurers are direct beneficiaries of an improved rate environment. Investment income is expected to remain strong, given insurers’ diverse investment portfolio as well as the continued growth of private market investments. 

Also, an investment portfolio skewed toward fixed-income maturities provides some upside. Continued inflation also acts as a drag, making repairs, medical care, and replacement costs more expensive. Insurers’ focus on personalizing offerings to enhance customer experience and leveraging digitalization is the key. Given moderating pricing and increased competition, pricing competition will likely improve, according to an Insurance Business report.

About the IndustryThe Zacks Multiline Insurance industry comprises companies that provide single insurance coverage, bundling automobile, homeowner, long-term care, and life and health insurance to individuals and businesses. The insured pays a single premium and is covered for many things through a single contract. 

These companies cover commercial and personal properties, automobiles, marine, livestock, aviation, personal accident, life, including permanent and term insurance, supplemental accident and health insurance, workers’ compensation, annuity products, private mortgage insurance, et al. The players also provide risk management services. 

Since the companies offer single insurance coverage for multiple products, customer retention improves. The insured stands to benefit from lower premium payments compared to paying individual premiums for insuring varied products.

4 Trends Shaping the Future of the Multiline Insurance IndustryDiversified Portfolio Supports Long-Term Growth: Multiline insurers benefit from diversified product portfolios, reducing reliance on any single business line and limiting concentration risk. Rising awareness of financial protection, increasing demand for customized insurance solutions and emerging opportunities in cyber, pet and green-energy insurance are expected to support premium growth. While lower interest rates may put pressure on life insurance earnings and catastrophe losses can affect non-life profitability, diversified operations and disciplined underwriting help mitigate these risks.

Softening Pricing Environment: Commercial insurance pricing is easing after several years of strong premium increases as improved industry capital levels and greater underwriting capacity intensify competition. With more insurers competing for quality business, pricing power is weakening, limiting premium growth and putting pressure on underwriting margins, especially if claims costs remain elevated. In this environment, disciplined underwriting, prudent risk selection and cost efficiency will be critical to sustaining profitability.

Merger & Acquisition Activity: Consolidation in the multiline insurance industry is expected to accelerate as insurers seek to expand across new products, markets and geographies while strengthening their competitive positions. Improved deal activity, particularly in technology-driven transactions, is likely to support growth following a slowdown caused by inflation. Insurers are increasingly acquiring insurtech firms to enhance digital capabilities, improve operational efficiency and deliver more innovative, customer-centric insurance solutions amid the industry's ongoing digital transformation.

Increased Adoption of Technology: Multiline insurers are increasingly adopting AI, advanced analytics, cloud computing, blockchain and automation to improve underwriting, claims processing and customer service. Digital distribution channels and real-time data enable more accurate risk assessment and personalized pricing. Continued investments in technology and analytics are enhancing operational efficiency, lowering costs and strengthening insurers' ability to compete in an increasingly digital marketplace. 

Zacks Industry Rank Indicates Bright ProspectsThe group’s Zacks Industry Rank, which is basically the average of the Zacks Rank of all the member stocks, indicates strong prospects in the near term. The Zacks Multiline Insurance industry, housed within the broader Zacks Finance sector, currently carries a Zacks Industry Rank #108, which places it in the top 44% of 247 Zacks industries. Our research shows that the top 50% of the Zacks-ranked industries outperforms the bottom 50% by a factor of more than 2 to 1.

The industry’s positioning in the top 50% of the Zacks-ranked industries is the result of a positive earnings outlook for the constituent companies in aggregate. The industry’s current year earnings estimates have been revised 2% upward in the last six months by analysts. 

Before we present a few multiline insurance stocks that you may want to consider for your portfolio, let’s take a look at the industry’s recent stock-market performance and valuation picture.

Industry vs. Sector and S&P 500The Multiline Insurance industry has underperformed the sector and the Zacks S&P 500 composite in a year. The stocks in this industry have collectively gained 1.9% in a year compared with the Finance sector’s increase of 6.7% and the Zacks S&P 500 composite’s rise of 16.8% in the same time frame.          

Current ValuationOn the basis of its trailing 12-month price-to-book (P/B), which is commonly used for valuing insurance stocks, the industry is currently trading at 2.67X compared with the S&P 500’s 7.28X and the sector’s 4.37X.

Over the past five years, the industry has traded as high as 2.90X, as low as 1.34X and at the median of 2.52X.

5 Multiline Insurance Stocks to Add to Your PortfolioWe are presenting two Zacks Rank #1 (Strong Buy) stocks and three Zacks Rank #2 (Buy) stocks from the Multiline Insurance industry.  

You can see the complete list of today’s Zacks #1 Rank stocks here.

Oscar Health: Headquartered in New York, NY, Oscar offers a differentiated, technology-enabled approach to health insurance, with a strong focus on the Affordable Care Act marketplace. Continued membership growth, stronger underwriting discipline and increasing operating leverage position the company for sustained expansion. Expanding margins and long-term monetization of its technology platform add to the upside. Oscar Health sports a Zacks Rank #1.

The Zacks Consensus Estimate for OSCR’s 2026 and 2027 earnings indicates 208.3% and 21% year-over-year increases, respectively.  The expected long-term earnings growth rate is pegged at 49.7%, better than the industry average of 13.2%. It has a VGM Score of A. The consensus estimate for 2026 and 2027 earnings witnessed an 18.8% and a 24% upward movement, respectively, in the past 30 days.

Horace Mann Educators:  Headquartered in Springfield, IL, it is the largest financial services company serving the U.S. educator market. Its niche focus, improved product offerings, better pricing and a strengthened distribution model are likely to benefit results. Earned premium growth ahead of loss cost growth is likely to favor the combined ratio. Continued share buybacks are expected to boost the bottom line. It carries a Zacks Rank #1.

The Zacks Consensus Estimate for HMN’s 2026 and 2027 earnings indicates a 1.5% and a 9.9% year-over-year increase, respectively. Horace Mann has a VGM Score of B.

Assurant: Headquartered in Atlanta, GA, Assurant is a global provider of risk management solutions in the housing and lifestyle markets. Protection and service platforms support recurring revenues and sustainable growth across Global Lifestyle and Global Housing. Connected Living is benefiting from program optimization, subscriber gains and broader supply-chain capabilities, while Global Automotive is supported by international partnerships and improved loss experience. Strong liquidity and disciplined share repurchases provide financial flexibility and support shareholder returns. It carries a Zacks Rank #2.

The Zacks Consensus Estimate for AIZ’s 2026 and 2027 earnings indicates 12.9% and 5.2% year-over-year increases, respectively. The consensus estimate for 2026 and 2027 earnings witnessed 1.2% and 1% upward movement, respectively, in the past 30 days.  It has a VGM Score of A.
                     

Principal Financial Group: Headquartered in Des Moines, Principal Financial Group is a global financial services company providing retirement solutions, asset management, insurance and employee benefits to businesses, individuals and institutional clients. Principal Financial benefits from a diversified mix of retirement, asset management, insurance and employee benefits, which supports recurring fees, premiums and investment income. 

Retirement deposits, participant engagement and international pension assets continue to expand, while higher AUM and margin gains support earnings scalability. The Beam Benefits acquisition should broaden reach in the small and mid-sized business market. Excess capital supports investment, dividends and buybacks for this Zacks Rank #2 insurer.

The Zacks Consensus Estimate for PFG’s 2026 and 2027 earnings indicates a year-over-year increase of 16.6% and 8.5%, respectively. The consensus estimates for 2026 and 2027 earnings have moved 2 cents and 5 cents north, respectively, in the past 30 days.  The expected long-term earnings growth rate is pegged at 11.5%. It has a VGM Score of B.

Prudential Financial: Headquartered in Newark, NJ, Prudential Financial, through its subsidiaries and affiliates, provides insurance, investment management and other financial products and services to individual and institutional customers in the United States and other countries. Prudential Financial benefits from rising retirement demand, a broader annuity and pension risk transfer franchise and PGIM’s integrated asset management platform. 

Its refreshed strategy should concentrate capital in the United States, Japan and select European markets while expanding capital-light earnings and lowering operating costs. Group Insurance and Individual Life also add diversification, while updated steady shareholder distributions support returns. It carries a Zacks Rank #2.

The Zacks Consensus Estimate for PRU’s 2026 and 2027 earnings indicates 0.8% and 2.8% year-over-year increases, respectively.  The consensus estimates for 2026 and 2027 earnings have moved 3 cents and 1 cent north, respectively, in the past 30 days.  The expected long-term earnings growth rate is pegged at 4.6%. It has a VGM Score of B.

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Past performance is no guarantee of future results. Inherent in any investment is the potential for loss. This material is being provided for informational purposes only and nothing herein constitutes investment, legal, accounting or tax advice, or a recommendation to buy, sell or hold a security. No recommendation or advice is being given as to whether any investment is suitable for a particular investor. It should not be assumed that any investments in securities, companies, sectors or markets identified and described were or will be profitable. All information is current as of the date of herein and is subject to change without notice. Any views or opinions expressed may not reflect those of the firm as a whole. Zacks Investment Research does not engage in investment banking, market making or asset management activities of any securities. These returns are from hypothetical portfolios consisting of stocks with Zacks Rank = 1 that were rebalanced monthly with zero transaction costs. These are not the returns of actual portfolios of stocks. The S&P 500 is an unmanaged index. Visit https://www.zacks.com/performance  for information about the performance numbers displayed in this press release.

Valuation Assessment of Oscar Health Inc
OSCR +4.78% 81

On October 05, 2026, Oscar Health Inc (OSCR) shares rose 4.8% to $32.42, marking a significant year-to-date increase of 125.6%. The stock has fluctuated within a 52-week range of $10.69 to $34.48.

GF Value™ verdict: Current price is $32.42, compared to GF Value™ of $24.55, indicating a 32.1% overvaluation.GF Score™ of 81/100 suggests a strong overall performance relative to its peers.Notable signal: Over the past 12 months, insiders have sold a net of $138.1 million, indicating caution among company insiders.Is OSCR Overvalued or Undervalued?Oscar Health Inc's current price of $32.42 is considerably above its GF Value™ estimate of $24.55, which suggests that the stock is 32.1% overvalued. This valuation is derived from a comprehensive analysis of historical trading multiples, past growth, and future performance projections. The GF Valuation label categorizes OSCR as significantly overvalued, which implies that there may be limited margin for safety for new investors considering an entry point at this price level.

The risk associated with investing in an overvalued stock like OSCR is that a correction could occur if the company's performance does not meet market expectations. The substantial gap between the current share price and the GF Value™ indicates that market sentiment may be overly optimistic, potentially leading to future volatility.

How Does OSCR's Valuation Compare to Its History?MetricCurrentHistoricalP/E (TTM)23.7x23.9xForward P/E14.8xN/AThe current P/E ratio of 23.7x is slightly below its 5-year median P/E of 23.9x, which suggests that the stock is trading at a valuation that is consistent with its historical levels. However, the forward P/E of 14.8x indicates a more favorable outlook for future earnings, which could support a higher valuation in the long run. This P/E analysis aligns with the GF Value™ verdict, highlighting the potential overvaluation of OSCR at its current price.

What Does OSCR's GF Score™ Tell Us?The GF Score™ measures a company's performance across various factors, including financial strength, profitability, growth, valuation, and momentum. Oscar Health has a strong GF Score™ of 81/100, which reflects its relatively solid position among industry peers.

MetricRatingGF Score™81/100Financial Strength7/10Profitability4/10Growth9/10Valuation5/10Momentum9/10The GF Score™ indicates that Oscar Health excels in growth and momentum, scoring 9/10 in both categories. However, its profitability rank of 4/10 suggests there are areas for improvement in generating consistent profits. The financial strength rating of 7/10 indicates a decent buffer against market fluctuations, but the valuation score of 5/10 confirms that the stock's current pricing may not be fully justified by its fundamentals.

What Are Gurus and Insiders Doing with OSCR?Currently, 6 gurus hold shares of Oscar Health, with 4 increasing their positions while 3 have trimmed their holdings in recent quarters. This mixed activity among institutional investors indicates a cautious sentiment towards the stock's future performance.

In terms of insider activity, there has been significant net selling over the last 12 months, with insiders selling $150.0 million worth of shares while purchasing only $11.9 million. This net selling of $138.1 million may signal that insiders are less confident in the company's near-term outlook, which could be a concern for potential investors.

What This Means for InvestorsGiven the current price of $32.42 compared to the GF Value™ estimate of $24.55, Oscar Health Inc appears to be overvalued. While the company's strong growth and momentum scores are commendable, the significant insider selling and the overvaluation signal caution. Investors may want to carefully consider these factors before making any investment decisions.

For further insights and detailed metrics on Oscar Health Inc
OSCR +4.78% 81

, visit the Oscar Health Inc (OSCR) stock page, and explore more about its valuation on the GF Value™ page.

Frequently Asked QuestionsWhat is OSCR's GF Score™?

The GF Score™ for Oscar Health Inc is 81/100, indicating a strong overall performance relative to its peers in the healthcare plans industry.

Is OSCR overvalued or undervalued?

Oscar Health Inc is currently considered overvalued, with a GF Value™ of $24.55 compared to its current price of $32.42, representing a 32.1% overvaluation.

What is OSCR's P/E ratio?

The P/E ratio for Oscar Health Inc is 23.7x, which is slightly below its 5-year median P/E of 23.9x, indicating that the stock is trading at a valuation consistent with its historical levels.

This stock alert was generated using automated technology and GuruFocus financial data to provide readers with timely and accurate market reporting. This content was reviewed by GuruFocus editorial team prior to publication. Please send any questions or comments about this story to [email protected].

Oscar Health, Inc. (OSCR - Free Report) closed the most recent trading day at $29.90, moving -3.05% from the previous trading session. The stock's performance was behind the S&P 500's daily gain of 0.2%. Meanwhile, the Dow experienced a rise of 0.04%, and the technology-dominated Nasdaq saw an increase of 0.04%.

The stock of company has risen by 1.68% in the past month, leading the Finance sector's loss of 4.84% and the S&P 500's loss of 0.35%.

Investors will be eagerly watching for the performance of Oscar Health, Inc. in its upcoming earnings disclosure. The company's earnings per share (EPS) are projected to be -$0.11, reflecting a 79.25% increase from the same quarter last year. Meanwhile, our latest consensus estimate is calling for revenue of $4.72 billion, up 58.14% from the prior-year quarter.

Looking at the full year, the Zacks Consensus Estimates suggest analysts are expecting earnings of $1.83 per share and revenue of $18.81 billion. These totals would mark changes of +208.28% and +60.77%, respectively, from last year.

Investors should also pay attention to any latest changes in analyst estimates for Oscar Health, Inc. Such recent modifications usually signify the changing landscape of near-term business trends. As a result, we can interpret positive estimate revisions as a good sign for the business outlook.

Based on our research, we believe these estimate revisions are directly related to near-term stock moves. To capitalize on this, we've crafted the Zacks Rank, a unique model that incorporates these estimate changes and offers a practical rating system.

Ranging from #1 (Strong Buy) to #5 (Strong Sell), the Zacks Rank system has a proven, outside-audited track record of outperformance, with #1 stocks returning an average of +25% annually since 1988. Over the last 30 days, the Zacks Consensus EPS estimate has witnessed a 18.79% increase. Oscar Health, Inc. is currently sporting a Zacks Rank of #1 (Strong Buy).

Investors should also note Oscar Health, Inc.'s current valuation metrics, including its Forward P/E ratio of 16.82. This valuation marks a premium compared to its industry average Forward P/E of 9.52.

We can also see that OSCR currently has a PEG ratio of 0.34. The PEG ratio is similar to the widely-used P/E ratio, but this metric also takes the company's expected earnings growth rate into account. The average PEG ratio for the Insurance - Multi line industry stood at 0.9 at the close of the market yesterday.

The Insurance - Multi line industry is part of the Finance sector. With its current Zacks Industry Rank of 91, this industry ranks in the top 37% of all industries, numbering over 250.

The Zacks Industry Rank gauges the strength of our individual industry groups by measuring the average Zacks Rank of the individual stocks within the groups. Our research shows that the top 50% rated industries outperform the bottom half by a factor of 2 to 1.

Keep in mind to rely on Zacks.com to watch all these stock-impacting metrics, and more, in the succeeding trading sessions.

SummaryOscar Health is rated a buy, targeting a $45-$49 fair value, driven by scalable growth and margin expansion in the ACA market.OSCR grew membership 60% while the overall ACA market contracted 13%, achieving a 30% market share and improving the medical loss ratio to 81.5%.Management guides for 2029 revenue CAGR above 20%, a 5-7% operating margin, and $4+ EPS, with the Lucie marketplace as a key incremental driver.Risks include regulatory exposure, market growth uncertainty, and reliance on premium subsidies, but Q4 results and Lucie segment disclosure are critical near-term catalysts. Luis Alvarez/DigitalVision via Getty Images

I am initiating a buy rating due to what I believe is a company aiming for a new, much more scalable approach to the suppressed American ACA healthcare market. Oscar Health (OSCR) used

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Analyst’s Disclosure: I/we have no stock, option or similar derivative position in any of the companies mentioned, but may initiate a beneficial Long position through a purchase of the stock, or the purchase of call options or similar derivatives in OSCR over the next 72 hours. I wrote this article myself, and it expresses my own opinions. I am not receiving compensation for it (other than from Seeking Alpha). I have no business relationship with any company whose stock is mentioned in this article.

Seeking Alpha's Disclosure: Past performance is no guarantee of future results. No recommendation or advice is being given as to whether any investment is suitable for a particular investor. Any views or opinions expressed above may not reflect those of Seeking Alpha as a whole. Seeking Alpha is not a licensed securities dealer, broker or US investment adviser or investment bank. Our analysts are third party authors that include both professional investors and individual investors who may not be licensed or certified by any institute or regulatory body.

Investors might want to bet on Oscar Health, Inc. (OSCR - Free Report) , as it has been recently upgraded to a Zacks Rank #1 (Strong Buy). This upgrade is essentially a reflection of an upward trend in earnings estimates -- one of the most powerful forces impacting stock prices.

The sole determinant of the Zacks rating is a company's changing earnings picture. The Zacks Consensus Estimate -- the consensus of EPS estimates from the sell-side analysts covering the stock -- for the current and following years is tracked by the system.

Individual investors often find it hard to make decisions based on rating upgrades by Wall Street analysts, since these are mostly driven by subjective factors that are hard to see and measure in real time. In these situations, the Zacks rating system comes in handy because of the power of a changing earnings picture in determining near-term stock price movements.

Therefore, the Zacks rating upgrade for Oscar Health basically reflects positivity about its earnings outlook that could translate into buying pressure and an increase in its stock price.

Most Powerful Force Impacting Stock PricesThe change in a company's future earnings potential, as reflected in earnings estimate revisions, has proven to be strongly correlated with the near-term price movement of its stock. That's partly because of the influence of institutional investors that use earnings and earnings estimates for calculating the fair value of a company's shares. An increase or decrease in earnings estimates in their valuation models simply results in higher or lower fair value for a stock, and institutional investors typically buy or sell it. Their bulk investment action then leads to price movement for the stock.

Fundamentally speaking, rising earnings estimates and the consequent rating upgrade for Oscar Health imply an improvement in the company's underlying business. Investors should show their appreciation for this improving business trend by pushing the stock higher.

Harnessing the Power of Earnings Estimate RevisionsEmpirical research shows a strong correlation between trends in earnings estimate revisions and near-term stock movements, so it could be truly rewarding if such revisions are tracked for making an investment decision. Here is where the tried-and-tested Zacks Rank stock-rating system plays an important role, as it effectively harnesses the power of earnings estimate revisions.

The Zacks Rank stock-rating system, which uses four factors related to earnings estimates to classify stocks into five groups, ranging from Zacks Rank #1 (Strong Buy) to Zacks Rank #5 (Strong Sell), has an impressive externally-audited track record, with Zacks Rank #1 stocks generating an average annual return of +25% since 1988. You can see the complete list of today's Zacks #1 Rank (Strong Buy) stocks here >>>> .

Earnings Estimate Revisions for Oscar HealthThis company is expected to earn $1.83 per share for the fiscal year ending December 2026, which represents no year-over-year change.

Analysts have been steadily raising their estimates for Oscar Health. Over the past three months, the Zacks Consensus Estimate for the company has increased 290.1%.

Bottom LineUnlike the overly optimistic Wall Street analysts whose rating systems tend to be weighted toward favorable recommendations, the Zacks rating system maintains an equal proportion of "buy" and "sell" ratings for its entire universe of more than 4,000 stocks at any point in time. Irrespective of market conditions, only the top 5% of the Zacks-covered stocks get a "Strong Buy" rating and the next 15% get a "Buy" rating. So, the placement of a stock in the top 20% of the Zacks-covered stocks indicates its superior earnings estimate revision feature, making it a solid candidate for producing market-beating returns in the near term.

You can learn more about the Zacks Rank here >>>

The upgrade of Oscar Health to a Zacks Rank #1 positions it in the top 5% of the Zacks-covered stocks in terms of estimate revisions, implying that the stock might move higher in the near term.

Oscar Health is upgraded to Strong Buy with a new $45 fair value, reflecting raised 2026–2029 earnings targets and an expanded TAM. Management projects 2029 EPS of $4+ and 2026 operating earnings of $600–800M, driven by ACA execution, CHOICE, and Lucie marketplace growth. CHOICE and Lucie expand OSCR's addressable market by 65%, with revenue estimates rising from $18.85B in 2026 to $32.6B in 2029.

Here are three stocks with buy ranks and strong growth characteristics for investors to consider today, September 21:

Petco Health and Wellness Company, Inc. (WOOF - Free Report) : This pet specialty retailer carries a Zacks Rank #1, and has witnessed the Zacks Consensus Estimate for its current year earnings increasing 26.3% over the last 60 days.

Petco has a PEG ratio of 0.89 compared with 2.11 for the industry. The company possesses a Growth Score of A.

Five Below, Inc. (FIVE - Free Report) : This specialty value retailer from the United States carries a Zacks Rank #1, and has witnessed the Zacks Consensus Estimate for its current year earnings increasing 15.2% over the last 60 days.

Five Below has a PEG ratio of 0.90 compared with 2.11 for the industry. The company possesses a Growth Score of B.

Oscar Health, Inc. (OSCR - Free Report) : This healthcare technology company carries a Zacks Rank #1, and has witnessed the Zacks Consensus Estimate for its current year earnings increasing 194.9% over the last 60 days.

Oscar Health has a PEG ratio of 0.37 compared with 0.94 for the industry. The company possesses a Growth Score of A.

You can see the complete list of today’s Zacks #1 Rank (Strong Buy) stocks here.

Learn more about the Growth score and how it is calculated here.

NEW YORK--(BUSINESS WIRE)--Oscar Health, Inc. (“Oscar Health” or the “Company”) (NYSE: OSCR) announced that on September 18, 2026 certain funds affiliated with or advised by Thrive Capital Management, LLC (“Thrive Capital”), the majority stockholder of Oscar Health, distributed approximately 6.3 million shares of Oscar Health Class A common stock (“Class A shares”) to their limited partners. The distribution returns capital to the limited partners of Thrive Capital Partners II, L.P., Thrive Cap.

Tidal Investments LLC bought a new stake in Oscar Health, Inc. (NYSE:OSCR – Free Report) in the 2nd quarter, according to its most recent 13F filing with the Securities and Exchange Commission. The institutional investor bought 78,547 shares of the company’s stock, valued at approximately $2,240,000.

Several other institutional investors and hedge funds have also recently modified their holdings of the company. BIT Capital GmbH grew its holdings in shares of Oscar Health by 545.0% in the fourth quarter. BIT Capital GmbH now owns 6,186,267 shares of the company’s stock valued at $88,897,000 after purchasing an additional 5,227,152 shares during the period. Geode Capital Management LLC increased its position in Oscar Health by 2.5% during the fourth quarter. Geode Capital Management LLC now owns 4,798,313 shares of the company’s stock worth $68,964,000 after purchasing an additional 116,430 shares during the last quarter. Dimensional Fund Advisors LP raised its stake in Oscar Health by 22.1% during the first quarter. Dimensional Fund Advisors LP now owns 4,192,777 shares of the company’s stock worth $48,078,000 after purchasing an additional 759,837 shares during the period. Assenagon Asset Management S.A. raised its stake in Oscar Health by 1.6% during the second quarter. Assenagon Asset Management S.A. now owns 1,247,992 shares of the company’s stock worth $35,593,000 after purchasing an additional 20,189 shares during the period. Finally, Wedge Capital Management L L P NC acquired a new position in Oscar Health in the 2nd quarter valued at about $32,855,000. Institutional investors and hedge funds own 75.70% of the company’s stock.

Insiders Place Their Bets In related news, Director Mario Schlosser sold 31,422 shares of the company’s stock in a transaction on Thursday, September 3rd. The shares were sold at an average price of $31.45, for a total value of $988,221.90. Following the completion of the sale, the director owned 449,444 shares in the company, valued at $14,135,013.80. This represents a 6.53% decrease in their position. The transaction was disclosed in a document filed with the Securities & Exchange Commission, which is available through the SEC website. The transaction was executed under a pre-arranged Rule 10b5-1 trading plan. The sale was made to cover tax withholding obligations related to the vesting of equity awards. Also, insider Adam Mcananey sold 9,092 shares of the stock in a transaction on Thursday, September 3rd. The stock was sold at an average price of $31.45, for a total transaction of $285,943.40. Following the sale, the insider owned 209,004 shares of the company’s stock, valued at approximately $6,573,175.80. This represents a 4.17% decrease in their position. The disclosure for this sale is available in the SEC filing. The transaction was executed under a pre-arranged Rule 10b5-1 trading plan. The sale was made to cover tax withholding obligations related to the vesting of equity awards. In the last three months, insiders sold 4,322,257 shares of company stock valued at $126,818,346. 22.64% of the stock is owned by insiders.

Analyst Upgrades and Downgrades A number of analysts have recently issued reports on the stock. Piper Sandler restated an “overweight” rating and set a $36.00 price target on shares of Oscar Health in a report on Tuesday, July 28th. Robert W. Baird set a $27.00 price objective on Oscar Health in a report on Friday, August 7th. Barclays increased their price objective on Oscar Health from $35.00 to $39.00 and gave the stock an “overweight” rating in a research report on Thursday, August 6th. Wall Street Zen raised Oscar Health from a “buy” rating to a “strong-buy” rating in a research note on Sunday, June 14th. Finally, The Goldman Sachs Group restated a “neutral” rating and issued a $30.00 target price on shares of Oscar Health in a research report on Tuesday, August 11th. One research analyst has rated the stock with a Strong Buy rating, three have assigned a Buy rating and eight have given a Hold rating to the company. Based on data from MarketBeat.com, the company currently has an average rating of “Hold” and an average target price of $26.22. Get Our Latest Stock Analysis on OSCR

Oscar Health Trading Down 0.6% NYSE OSCR opened at $32.24 on Thursday. The firm’s fifty day moving average price is $30.70 and its 200 day moving average price is $23.83. The company has a debt-to-equity ratio of 0.21, a current ratio of 1.09 and a quick ratio of 1.09. Oscar Health, Inc. has a 12 month low of $10.69 and a 12 month high of $34.48. The company has a market capitalization of $9.95 billion, a price-to-earnings ratio of 23.03, a price-to-earnings-growth ratio of 0.48 and a beta of 2.37.

Oscar Health (NYSE:OSCR – Get Free Report) last posted its earnings results on Thursday, August 6th. The company reported $1.10 earnings per share for the quarter, beating the consensus estimate of $0.40 by $0.70. The business had revenue of $4.88 billion during the quarter, compared to the consensus estimate of $4.73 billion. Oscar Health had a return on equity of 38.45% and a net margin of 3.60%.The business’s quarterly revenue was up 70.4% on a year-over-year basis. During the same period in the previous year, the business earned ($0.89) EPS. On average, sell-side analysts expect that Oscar Health, Inc. will post 1.54 earnings per share for the current fiscal year.

About Oscar Health (Free Report)

Oscar Health, Inc is a technology-focused health insurance company that offers health plans and related services to individuals, families and small businesses in the United States. The company’s primary business is providing Individual and Family plans through the Affordable Care Act marketplaces, along with health insurance options for small-group employers in select markets.

Oscar combines insurance coverage with digital tools designed to help members manage their care. Its offerings include online and mobile enrollment, virtual care, provider search and navigation services, claims and benefits information, and access to care teams.

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The insurer's grab for share in a shrinking ACA market looks like a winner — for now.

The Finance group has plenty of great stocks, but investors should always be looking for companies that are outperforming their peers. Oscar Health, Inc. (OSCR - Free Report) is a stock that can certainly grab the attention of many investors, but do its recent returns compare favorably to the sector as a whole? A quick glance at the company's year-to-date performance in comparison to the rest of the Finance sector should help us answer this question.

Oscar Health, Inc. is a member of our Finance group, which includes 873 different companies and currently sits at #8 in the Zacks Sector Rank. The Zacks Sector Rank considers 16 different groups, measuring the average Zacks Rank of the individual stocks within the sector to gauge the strength of each group.

The Zacks Rank is a proven model that highlights a variety of stocks with the right characteristics to outperform the market over the next one to three months. The system emphasizes earnings estimate revisions and favors companies with improving earnings outlooks. Oscar Health, Inc. is currently sporting a Zacks Rank of #2 (Buy).

Over the past 90 days, the Zacks Consensus Estimate for OSCR's full-year earnings has moved 228.4% higher. This signals that analyst sentiment is improving and the stock's earnings outlook is more positive.

Based on the latest available data, OSCR has gained about 128% so far this year. In comparison, Finance companies have returned an average of 7.2%. As we can see, Oscar Health, Inc. is performing better than its sector in the calendar year.

Another stock in the Finance sector, Amerant Bancorp Inc. (AMTB - Free Report) , has outperformed the sector so far this year. The stock's year-to-date return is 50.3%.

In Amerant Bancorp Inc.'s case, the consensus EPS estimate for the current year increased 23.7% over the past three months. The stock currently has a Zacks Rank #1 (Strong Buy).

Looking more specifically, Oscar Health, Inc. belongs to the Insurance - Multi line industry, a group that includes 46 individual stocks and currently sits at #93 in the Zacks Industry Rank. Stocks in this group have gained about 3.8% so far this year, so OSCR is performing better this group in terms of year-to-date returns.

On the other hand, Amerant Bancorp Inc. belongs to the Banks - Southeast industry. This 55-stock industry is currently ranked #70. The industry has moved +11.7% year to date.

Investors interested in the Finance sector may want to keep a close eye on Oscar Health, Inc. and Amerant Bancorp Inc. as they attempt to continue their solid performance.

After reaching an important support level, Oscar Health, Inc. (OSCR - Free Report) could be a good stock pick from a technical perspective. OSCR surpassed resistance at the 20-day moving average, suggesting a short-term bullish trend.

The 20-day simple moving average is a well-liked trading tool because it provides a look back at a stock's price over a 20-day period. Additionally, short-term traders find this SMA very beneficial, as it smooths out short-term price trends and shows more trend reversal signals than longer-term moving averages.

The 20-day moving average can show signals that are similar to other SMAs as well. If a stock's price is moving above the 20-day, the trend is considered positive. When the price falls below the moving average, it can signal a downward trend.

Over the past four weeks, OSCR has gained 21.5%. The company is currently ranked a Zacks Rank #1 (Strong Buy), another strong indication the stock could move even higher.

The bullish case only gets stronger once investors take into account OSCR's positive earnings estimate revisions. There have been 3 revisions higher for the current fiscal year compared to none lower, and the consensus estimate has moved up as well.

With a winning combination of earnings estimate revisions and hitting a key technical level, investors should keep their eye on OSCR for more gains in the near future.

Key Takeaways Oscar Health's membership rose 46% year over year to 2.96 million as of June 30, 2026.Oscar Health plans to enter more than 150 additional metropolitan statistical areas by 2027.OSCR shares gained 109% year to date, while its price-to-book multiple of 4.5 topped the industry average. Oscar Health (OSCR - Free Report) is a healthcare technology company built around a full-stack platform and a strong focus on member experience. Membership reached 2.96 million at the end of the second quarter of 2026, up 46% year over year, driven by above-market growth during open enrollment and solid retention. The performance indicates growing acceptance of Oscar’s products, geographic footprint and technology-enabled model in the Affordable Care Act marketplace. Moreover, the gains came despite weaker overall paid ACA enrollment following the expiration of enhanced subsidies, suggesting that Oscar captured market share rather than simply benefiting from industry growth.

Several structural opportunities could support further expansion. Also, Oscar plans to enter more than 150 additional metropolitan statistical areas by 2027, widening its addressable market. Individual Coverage Health Reimbursement Arrangements offer another potential enrollment channel. The company’s strategy also aligns with major healthcare trends, including rising costs, consumerization, digitization and demand for more personalized care, potentially strengthening its long-term competitive position.

However, enrollment remains seasonal. Although Oscar added roughly 1.1 million members during the first quarter of 2026, membership subsequently declined on a sequential basis as the annual enrollment effect faded. Higher premiums and reduced subsidies could also drive price-sensitive consumers, particularly younger and healthier individuals, out of the market. Oscar must therefore price its plans carefully while managing rising medical utilization.

A shift toward slower, more sustainable growth would not weaken the investment thesis if profitability and cash generation improve. It is better to focus on prioritizing retention, medical-loss-ratio stability, risk-adjustment trends and disciplined geographic expansion over headline membership growth.

What About Peers?Molina Healthcare (MOH - Free Report) is well positioned to benefit from several long-term trends supporting government-sponsored healthcare.  As of June 30, 2026, total membership of Molina Healthcare decreased 14.3% year over year to around 4.9 million. Rising healthcare utilization, an aging U.S. population and strategic shift toward D-SNPs should support sustained membership growth for Molina Healthcare.

Centene Corporation (CNC - Free Report) has shifted its strategy from prioritizing membership growth to improving earnings quality through disciplined pricing and portfolio optimization.  Centene continues to benefit from a large and diversified membership base supported by contract wins and expansion in attractive government-sponsored programs. Centene is also shifting toward higher-quality membership, including growing PDP and dual-eligible Medicare exposure.

OSCR’s Price PerformanceShares of Oscar Health have gained 108.6% year to date, outperforming the industry.

Image Source: Zacks Investment Research

OSCR’s Expensive ValuationThe stock is overvalued compared with its industry. It is currently trading at a price-to-book multiple of 4.5, higher than the industry average of 2.67. 

Image Source: Zacks Investment Research

Estimate Movement for OSCRThe Zacks Consensus Estimate for OSCR’s third-quarter 2026 earnings per share (EPS) witnessed southbound movement in the last 30 days, while that for fourth-quarter witnessed no movement in the same time frame. The consensus estimate for 2026 and 2027 earnings has moved 144.4% and 31.6% north, respectively, in the past 30 days. 
 

Image Source: Zacks Investment Research

Here are three stocks with buy ranks and strong growth characteristics for investors to consider today, August 26:

Schneider National, Inc. (SNDR - Free Report) : This provider of truckload, intermodal, and logistics services a Zacks Rank #1, and has witnessed the Zacks Consensus Estimate for its current year earnings increasing 15.6% over the last 60 days.

Schneider National has a PEG ratio of 0.79 compared with 1.48 for the industry. The company possesses a Growth Score of B.

National Energy Services Reunited Corp. (NESR - Free Report) : This oilfield services company carries a Zacks Rank #1, and has witnessed the Zacks Consensus Estimate for its current year earnings increasing 8.3% over the last 60 days.

NESR has a PEG ratio of 0.31 compared with 0.52 for the industry. The company possesses a Growth Score of A.

Oscar Health, Inc. (OSCR - Free Report) : This healthcare technology company carries a Zacks Rank #1, and has witnessed the Zacks Consensus Estimate for its current year earnings increasing 227.7% over the last 60 days.

Oscar Health has a PEG ratio of 0.65 compared with 1.13 for the industry. The company possesses a Growth Score of A.

You can see the complete list of today’s Zacks #1 Rank (Strong Buy) stocks here.

Learn more about the Growth score and how it is calculated here.

Momentum investing is essentially the opposite of the tried-and-tested Wall Street adage -- "buy low and sell high." Investors following this investing style typically avoid betting on cheap stocks and waiting long for them to recover. They believe instead that one could make far more money in lesser time by "buying high and selling higher."

Everyone likes betting on fast-moving trending stocks, but it isn't easy to determine the right entry point. These stocks often lose momentum when their future growth potential fails to justify their swelled-up valuation. In that phase, investors find themselves invested in shares that have limited to no upside or even a downside. So, betting on a stock just by looking at the traditional momentum parameters could be risky at times.

It could be safer to invest in bargain stocks that have been witnessing price momentum recently. While the Zacks Momentum Style Score (part of the Zacks Style Scores system), which pays close attention to trends in a stock's price or earnings, is pretty useful in identifying great momentum stocks, our 'Fast-Paced Momentum at a Bargain' screen comes handy in spotting fast-moving stocks that are still attractively priced.

Oscar Health, Inc. (OSCR - Free Report) is one of the several great candidates that made it through the screen. While there are numerous reasons why this stock is a great choice, here are the most vital ones:

A dash of recent price momentum reflects growing interest of investors in a stock. With a four-week price change of 13.7%, the stock of this company is certainly well-positioned in this regard.

While any stock can see a spike in price for a short period, it takes a real momentum player to deliver positive returns for a longer time frame. OSCR meets this criterion too, as the stock gained 44.1% over the past 12 weeks.

Moreover, the momentum for OSCR is fast paced, as the stock currently has a beta of 2.36. This indicates that the stock moves 136% higher than the market in either direction.

Given this price performance, it is no surprise that OSCR has a Momentum Score of B, which indicates that this is the right time to enter the stock to take advantage of the momentum with the highest probability of success.

In addition to a favorable Momentum Score, an upward trend in earnings estimate revisions has helped OSCR earn a Zacks Rank #1 (Strong Buy). Our research shows that the momentum-effect is quite strong among Zacks Rank #1 and #2 stocks. That's because as covering analysts raise their earnings estimates for a stock, more and more investors take an interest in it, helping its price race to keep up. You can see the complete list of today's Zacks Rank #1 (Strong Buy) stocks here >>>>

Most importantly, despite possessing fast-paced momentum features, OSCR is trading at a reasonable valuation. In terms of Price-to-Sales ratio, which is considered as one of the best valuation metrics, the stock looks quite cheap now. OSCR is currently trading at 0.65 times its sales. In other words, investors need to pay only 65 cents for each dollar of sales.

So, OSCR appears to have plenty of room to run, and that too at a fast pace.

In addition to OSCR, there are several other stocks that currently pass through our 'Fast-Paced Momentum at a Bargain' screen. You may consider investing in them and start looking for the newest stocks that fit these criteria.

This is not the only screen that could help you find your next winning stock pick. Based on your personal investing style, you may choose from over 45 Zacks Premium Screens that are strategically created to beat the market.

However, keep in mind that the key to a successful stock-picking strategy is to ensure that it produced profitable results in the past. You could easily do that with the help of the Zacks Research Wizard. In addition to allowing you to backtest the effectiveness of your strategy, the program comes loaded with some of our most successful stock-picking strategies.

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Here are three stocks with buy ranks and strong growth characteristics for investors to consider today, August 14:

Match Group, Inc. (MTCH - Free Report) : This digital technologies company carries a Zacks Rank #1, and has witnessed the Zacks Consensus Estimate for its current year earnings increasing 11.3% over the last 60 days.

Match has a PEG ratio of 0.45 compared with 8.45 for the industry. The company possesses a Growth Score of A.

Pitney Bowes Inc. (PBI - Free Report) : This business services company carries a Zacks Rank #1, and has witnessed the Zacks Consensus Estimate for its current year earnings increasing 3.7% over the last 60 days.

Pitney Bowes  has a PEG ratio of 0.66 compared with 0.78 for the industry. The company possesses a Growth Score of A.

Oscar Health, Inc. (OSCR - Free Report) : This healthcare technology company carries a Zacks Rank #1, and has witnessed the Zacks Consensus Estimate for its current year earnings increasing 227.7% over the last 60 days.

Oscar Health has a PEG ratio of 0.61 compared with 0.90 for the industry. The company possesses a Growth Score of A.

See the full list of top-ranked stocks here.

Learn more about the Growth score and how it is calculated here.

5 Small Cap Stocks With Explosive Upside PotentialOscar Health NYSE: OSCR reported record profitability for the first half of 2026 and raised its full-year operating outlook, citing membership growth, disciplined pricing, favorable utilization trends and lower administrative expense ratios.

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Chief Executive Officer Mark Bertolini said the company generated $1.1 billion in earnings from operations and $1 billion in net income during the first six months of the year. In the second quarter, revenue rose 70% year over year to $4.9 billion, while the medical loss ratio, or MLR, improved by nearly 12 percentage points to 79.2%.

Second-quarter earnings from operations totaled $389 million, compared with a loss in the prior-year period, while net income was $362 million. Adjusted EBITDA was $415 million. The company ended the quarter with 2.96 million effectuated members, up 46% from a year earlier, driven by above-market open enrollment growth and retention.

Guidance Raised Following First-Half Performance Chief Financial Officer Scott Blackley said Oscar raised its full-year 2026 earnings-from-operations forecast to between $500 million and $700 million, representing a $250 million increase from its prior outlook. The company maintained its revenue outlook of $18.7 billion to $19 billion.

Full-year MLR is now expected to be 81.5% to 82.5%, a 90-basis-point improvement at the midpoint from prior guidance. The SG&A expense ratio is expected to be 15.6% to 16.1%, an improvement of 20 basis points at the midpoint. Adjusted EBITDA is still expected to be roughly $115 million above earnings from operations. The company’s SG&A expense ratio reached a record low of 14.2% in the second quarter, improving 450 basis points year over year. Blackley attributed the improvement to expense discipline, fixed-cost leverage and technology and artificial intelligence initiatives that reduced variable costs, partly offsetting higher taxes and exchange fees.

Oscar expects its SG&A ratio to remain relatively stable in the third quarter before increasing in the fourth quarter, when it typically invests in preparation for the following year’s enrollment cycle.

Risk Adjustment and Utilization Trends Oscar received its final 2025 CMS risk-adjustment report during the quarter, which was approximately $160 million favorable to its first-quarter accruals and was fully recognized in the second quarter. The company also received an initial 2026 risk-adjustment report based on claims through April that showed market morbidity tracking favorably to pricing assumptions.

However, management said it recognized only a small portion of that favorability because the available claims data covered only four months. Risk adjustment represented about 20% of direct premiums during the first half, consistent with Oscar’s expectation for the full year.

Utilization through the first six months was moderately favorable to expectations. Inpatient, professional and pharmacy utilization were favorable, while outpatient utilization was elevated. Bertolini said the outpatient trends were stable and not concentrated in any particularly outsized category.

Management expects MLR to rise seasonally during the second half as members use more healthcare services after working through deductibles. The company said its membership has shifted across metal tiers, with some members moving from silver plans to bronze or gold offerings, but performance in those products has been consistent with or favorable to internal expectations.

Technology, AI and ICHRA Expansion Bertolini said Oscar is using AI across benefits, billing, claims, clinical care and member support. The company’s claims platform has a 98.7% first-pass accuracy rate and processes most claims in less than 48 hours, according to management.

During the quarter, Oscar piloted a radiology program using its Oswell agent, which uses members’ claims history and clinical interactions to recommend next steps and care sites based on coverage, cost, location and availability. Bertolini said one in four members selected Oswell’s recommended site of care, saving an average of $75 per appointment.

The company also said it is using AI and medical-economics programs to identify pharmacy and utilization outliers. Management expects these capabilities to generate tens of millions of dollars in annual savings.

Oscar highlighted growing interest in individual coverage health reimbursement arrangements, or ICHRA, particularly from small businesses in healthcare and professional services. Blackley discussed the company’s ICHRAx platform, built on an electronic data exchange acquired last year. He said the platform includes competing insurers and is intended to help employers move from defined-benefit coverage toward defined-contribution arrangements.

Membership Churn Expected to Increase Oscar expects membership churn to rise in the second half as CMS continues program-integrity and eligibility-verification efforts. Blackley said the company’s membership was essentially flat in the second quarter because lapses were lower than expected, with some anticipated disenrollments delayed into the latter half of the year.

Management now expects monthly churn to be closer to twice its prior estimate of 1% to 2%. Blackley characterized the change as primarily a timing issue and said it does not affect the company’s full-year revenue outlook. Oscar said it does not recognize revenue for members it expects to be disenrolled and has incorporated the effects of payment-integrity actions into its guidance.

Looking toward 2027, Bertolini said Oscar sees a rational pricing environment and believes the ACA market can remain stable or grow, absent major regulatory changes. The company plans to provide further details on its growth strategy at its Investor Day on Sept. 16.

About Oscar Health (NYSE:OSCR)Oscar Health, trading on the New York Stock Exchange under the ticker OSCR, is a technology-driven health insurance company headquartered in New York, New York. Founded in 2012 by Mario Schlosser, Joshua Kushner and Kevin Nazemi, the company was built with the goal of simplifying healthcare coverage and enhancing member experience. Oscar leverages a proprietary digital platform to streamline plan enrollment, claims administration and member support, distinguishing itself in the individual, family and small group insurance markets.

The company's primary products include on-exchange individual and family medical plans under the Affordable Care Act, off-exchange plans, as well as Medicare Advantage offerings.

This instant news alert was generated by narrative science technology and financial data from MarketBeat in order to provide readers with the fastest reporting and unbiased coverage. Please send any questions or comments about this story to [email protected].

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By PYMNTS  |  August 6, 2026

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The latest earnings from Oscar Health and GoodRx show both companies dealing with a changing customer base.

The former company reported half-year earnings Thursday (Aug. 6) showing record profitability for the first six months of 2026, with revenues surging 70% to $4.9 billion.

Speaking during an earnings call, Oscar Health Chief Executive Officer Mark Bertolini attributed much of this success to the company’s proprietary technology stack, which he said allows Oscar to deploy artificial intelligence (AI) more efficiently than its legacy rivals.

“We have one platform, we have one data set,” Bertolini told analysts. “As a result, we start with a huge advantage in being able to use AI at scale without having to make the investments in platform integration and data rationalization that a lot of our competitors do.”

Among the company’s AI tools is “Oswal,” an AI agent designed to guide members through the healthcare system by analyzing clinical history and claims data to recommend high-quality, lower-cost providers.

“We will expand this capability to additional procedures using care standards from leading centers of excellence. AI is powering operations across benefits, billing claims, clinical care and member support,” Bertolini said.

Beyond technology, Oscar is banking on a fundamental shift in consumer behavior. Bertolini added that the individual insurance market is expanding to accommodate a labor force increasingly defined by “entrepreneurs, gig workers, part-time employees and early retirees.”

He suggested that “AI will accelerate that shift” as workers move between full-time jobs, contract roles and retirement at twice the rate of previous generations.

Also Thursday, GoodRx reported second-quarter revenue of $200.4 million, a 1% dip, with management raising its full-year outlook based in part on a projected 70% jump in revenue from the company’s Pharma Direct business.

While its traditional monthly active consumer base declined 12% to 5 million, executives characterized this as a strategic transition toward deeper, recurring customer relationships as healthcare consumers face intensifying affordability pressures.

“Consumers are bearing more cost, facing less predictable coverage and increasingly need to know what a medication will cost before they reach the pharmacy counter,” CEO Wendy Barnes said during the earnings call.

“Employers are under the same pressure, and as costs rise, many are covering less or shifting more of the expense to employees across the board, coverage is becoming harder to maintain and more expensive to use.”

To address this, GoodRx in May introduced “GoodRx Companion,” a subscription service designed to provide predictable pricing for chronic conditions, taking multiple medications, or dealing with coverage limitations, or out-of-pocket costs.