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Oscar Health, Inc.·Healthcare Plans·US
Oscar Health, Inc. operates as a healthcare technology company in the United States. The company offers health plans to individuals, families, employees, and small group markets. It also provides +Osc...
1 Total1 External0 In-site
OSCROscar Health, Inc.
2026-02-11🏥 HealthcareLong
Externalby FJ Research · Other
Oscar Health Why I Am More Bullish
主要经营地
New York, New York
详细的生意模式
技术驱动的健康保险：通过ACA等健康险承保+自研平台降低运营成本，盈利取决于医疗赔付率与运营效率
护城河
若技术/自动化显著降低SG&A并改善定价，可形成成本优势；但保险本质仍受监管与风险池影响
估值水平
FCF/EV 41.1%；TEV/EBITDA -4.97；P/E -8.05
EV/Market Cap
0.44x
网络观点
✅强调会员增长、市场份额提升与2026收入指引高增；提到AI缩短响应时间。🌟看点：规模化后费用率下降、盈利持续。
AI的观点
✅FCF/EV异常高提示市场对可持续性存疑；若盈利转正能延续，存在重估。⚠️医疗成本（MLR）反弹、定价失误与监管变化会迅速吞噬利润。🔎看：MLR/费用率趋势、风险调整机制、续保与产品组合。
原文发布时间
2026-02-12