Oscar Health, Inc. (OSCR) Fair Value 2026

OSCR · Healthcare Plans ·

By CirclFi Research Team · Data from SEC EDGAR, FRED & GDELT

Quality Score

7.1 /10

32 fundamental signals · 3 models active

Value Trap Risk

SAFE (24/100)

Quick Summary — As of 2026-10-07, Oscar Health, Inc. (OSCR) trades at $32.34, versus a $54.55 median fair value across its 3 active models — 68.7% above the current price. QOC: 7.1/10. Value Trap Risk: 24/100 (SAFE). 3/13 models active.

Key Facts

Ticker
OSCR
Price
$32.34
Quality Score
7.1/10
Value Trap Risk
24/100
Models Active
3/13
Last Updated
Strength: FTNN Topology suggests +78.3% upside with 9% confidence
Risk: Limited model coverage (3/13) may reduce confidence

Is Oscar Health, Inc. (OSCR) Undervalued or Overvalued in 2026?

According to CirclFi’s 3-model valuation engine, Oscar Health, Inc. (OSCR) appears undervalued as of : the median of 3 independent fair value estimates is $54.55, 68.7% above the current price of $32.34. Estimates range from $14.28 to $57.67. OSCR scores 7.1/10 on fundamental quality and 24/100 on value-trap risk.

For context, the median US equity CirclFi rates trades at an implied -20.1% versus its own 13-model consensus, across 3,777 rated companies as of 2026-10-07. OSCR’s +68.7% gap is wider than that market norm. Full market index →

This verdict compares price to intrinsic value only — it is not a buy or sell rating. For the decision case (bull vs bear arguments, risk factors, peers), read Should You Buy Oscar Health, Inc. Stock in 2026? →

What Fair Value Does Each Model Give OSCR?

3 Intrinsic Value Models vs. Current Price ($32.34)

Core Models (Unlocked)
Model Fair Value Upside
Intrinsic · High Conviction
 $14.28 -55.8%
Relative · Medium Conviction
 $54.55 +68.7%
Relative · Low Conviction
 $57.67 +78.3%

All Models Active

All 3 models are displayed above.

What Is OSCR's Fair Value Range?

Spread across 3 independent models · $14.28 to $57.67

CirclFi's 3 active models place Oscar Health, Inc. (OSCR) between $14.28 and $57.67 per share, a spread of 80% of the median. The median of that range — $54.55 — is the fair value CirclFi publishes for OSCR, against a current price of $32.34.

Low · ML-RIVHigh · FTNN
$14.28median $54.55$57.67
Where the range comes from
Most bearish modelML Residual Income$14.28
Most bullish modelFTNN Topology$57.67
Model agreement2 bullish · 1 bearishmoderate

A band of this width is typical. The methods agree on direction but weight growth, reinvestment and risk differently, so treat the median as a centre of gravity rather than a precise target.

Every figure above is one model's standalone output on OSCR, not a CirclFi price target. How each model works →

What Is Oscar Health, Inc. (OSCR) Worth in 2026?

According to the CirclFi Deep Alpha Valuation Engine, Oscar Health, Inc.'s intrinsic value is estimated at $54.55, suggesting a +68.7% median upside from the current price of $32.34. While 2 models see room for appreciation, model agreement is not unanimous as 1 model flags potential overvaluation. Model dispersion is worth noting: FTNN targets $57.67 (+78.3%), versus ML-RIV at $14.28 (-55.8%). This +134.2% range highlights the importance of multi-model analysis rather than relying on any single methodology.

What Do the Models Say About OSCR?

3 of 13 models are currently active for OSCR. Of these, 2 models suggest upside while 1 model suggests overvaluation. Taken together, their median fair value for OSCR is $54.55 — the figure CirclFi publishes as this stock's fair value. See which stocks rank higher →

How Does OSCR Rank in Healthcare Plans?

Among 13 Healthcare Plans stocks, OSCR ranks #11 by Quality of Company score. CirclFi's QOC score of 7.1/10 evaluates 32 fundamental signals. A score of 7.1 indicates above-average quality.

As a biopharma enterprise, Oscar Health, Inc. operates in a sector where revenue per drug is a critical driver of valuation. Investors evaluating OSCR should weigh these sector-specific dynamics alongside our model-derived fair values.

Is OSCR a Value Trap?

CirclFi's Value Trap algorithm assigns OSCR a score of 24/100 (SAFE). This indicates minimal risk. Fundamentals are healthy. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →

Multi-Model Methodology

3 of 13 models are active for Oscar Health, Inc.. Limited activation may indicate insufficient history. Each model applies a fundamentally different valuation philosophy. See the complete methodology →

According to the CirclFi 32-factor quality framework, Oscar Health, Inc.'s fundamental quality profile registers 7.1/10. This respectable score captures the company's profitability depth, growth consistency, balance sheet resilience, and shareholder return track record.

The gap between the most bullish and bearish model spans +134.2% — demonstrating why single-model analysis is dangerous. Browse all stocks with 13-model coverage →

Data Sources & Confidence

Every OSCR valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →

Across OSCR's 3 active models, average confidence is 34%. Lower confidence may reflect limited history or high volatility.

CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →

This analysis is produced by the CirclFi Valuation Engine using quantitative models applied to SEC EDGAR filings, public market feeds, and FRED macroeconomic indicators. It is not financial advice.

Read the full investment analysis: Should You Buy Oscar Health, Inc. Stock in 2026? →

Bull case, bear case, risk factors & peer comparison — updated daily

Which Similar Healthcare Plans Stocks Should You Also Analyze?

9 related Healthcare Plans stocks with 13-model coverage

ALHCAlignment Healthcare, Inc.QOC 7.2CLOVClover Health Investments, Corp.QOC 6.5CNCCentene CorporationQOC 7.4MRAIMarpai, Inc.QOC 4.2CVSCVS Health CorporationQOC 7.4PGNYProgyny, Inc.QOC 8.6UNHUnitedHealth Group IncorporatedQOC 8.0HUMHumana Inc.QOC 7.6PFHOPacific Health Care Organization, Inc.QOC 8.5

Read investment analysis: ALHC · CLOV · CNC · MRAI · CVS · PGNY · UNH · HUM · PFHO

Which Other Stocks Have a Similar Quality Score to OSCR?

7 companies across all industries closest to OSCR’s Quality of Company score of 7.1/10.

SEDGSolarEdge Technologies, Inc.QOC 7.1ASANAsana, Inc.QOC 7.1EBSEmergent BioSolutions Inc.QOC 7.1GGBGerdau S.A.QOC 7.1MSMorgan StanleyQOC 7.1SWXSouthwest Gas Holdings, Inc.QOC 7.1NVDANVIDIA CorporationQOC 10.0

Read investment analysis: SEDG · ASAN · EBS · GGB · MS · SWX · NVDA

What Else Do Investors Ask About Oscar Health, Inc.’s Valuation?

What is Oscar Health, Inc.'s intrinsic value in 2026?

CirclFi puts Oscar Health, Inc. (OSCR)'s intrinsic value at $54.55 — the median of 3 independent model estimates as of 2026-10-07, ranging from $14.28 to $57.67. The Quality of Company score is 7.1/10 across 32 fundamental signals. All models use SEC EDGAR filings updated daily. See our methodology page for how each model works.

Is OSCR overvalued or undervalued right now?

At $32.34, 2 of 3 active models suggest OSCR may be undervalued, while 1 indicate potential overvaluation. The median of all 3 fair value estimates is $54.55, 68.7% above the current price of $32.34 — a consensus view that OSCR is undervalued. The assessment depends on which methodology best fits Oscar Health, Inc.'s business model in Healthcare Plans.

What does a Quality of Company score of 7.1 mean for OSCR?

Oscar Health, Inc.'s QOC of 7.1/10 reflects 32 fundamental signals: profitability margins, revenue growth consistency, balance sheet leverage, free cash flow generation, and capital allocation efficiency. Scores above 7 indicate strong fundamentals and disciplined management.

How many valuation models does CirclFi run on OSCR?

CirclFi analyzes OSCR with 13 institutional-grade models daily: Bayesian DCF (Monte Carlo + jump-diffusion), EPV (Greenwald zero-growth), EROIC Spread (McKinsey reinvestment), First Chicago (3-scenario), Markov DDM (regime-switching), ML-RIV (machine learning residual income), Dynamic NAV (asset-based), PWERM (option-theoretic), Regime Cross-Sectional (relative), Sentiment SOTP (hybrid), CUCE Ensemble (meta-model), FTNN Topology (neural network), and RCMH-DCF (conditional regime). Currently 3 of 13 are active for this stock. Read the full methodology →

Which valuation models are most bullish and most bearish on OSCR?

Of the 3 models currently active on OSCR, FTNN Topology is the most bullish at $57.67 per share, and ML Residual Income is the most bearish at $14.28. CirclFi's published fair value for OSCR is the median of that range, $54.55, not either extreme. The gap between the two ends equals 80% of the median — a normal spread for a company of this profile. Browse stocks by value-trap risk →

Is OSCR a value trap in 2026?

Oscar Health, Inc.'s Value Trap score is 24/100 (SAFE). This low score indicates the current valuation is not artificially depressed by fundamental deterioration, suggesting genuine opportunity rather than a trap.

Cite this analysis — “According to CirclFi’s 3-model valuation engine, Oscar Health, Inc. (OSCR) has a median fair value of $54.55 — 68.7% above the current price of $32.34 — as of 2026-10-07.” Source: circlfi.com/stock/OSCR/ · Methodology
Primary sources for this OSCR valuation
  • Financial statements: Oscar Health, Inc. 10-K and 10-Q filings on SEC EDGAR (CIK 0001568651) — 700+ standardized XBRL tags, published by the U.S. Securities and Exchange Commission.
  • Discount-rate inputs: FRED, Federal Reserve Bank of St. Louis — risk-free rates, VIX, yield curve, inflation.
  • News sentiment: The GDELT Project — global media tone, input to the Sentiment SOTP model.
  • Model definitions: CirclFi methodology — the published specification for all 13 models, including the academic sources each one implements.

Market data for OSCR as of ; valuations recomputed .