CERT
Certara, Inc.
CERT trails on the overall score without a compensating advantage in the available component scores.
OSCR
Oscar Health, Inc.
OSCR has the edge over CERT overall, supported by stronger fundamentals and stronger modeled upside.
CERT Fundamentals
| Metric | Status |
|---|---|
| Under pressure | |
| Under pressure | |
| Healthy | |
| Healthy |
CERT's cash flow and balance sheet are currently healthy, but its revenue and profitability are under pressure.
OSCR Fundamentals
| Metric | Status |
|---|---|
| Strong | |
| Healthy | |
| Strong | |
| Strong |
OSCR's revenue, profitability, cash flow and balance sheet are all currently healthy.
CERT PE Valuation
CERT has no meaningful PE right now: it lost money over the past year.
OSCR PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Forward | 12x | $31.94 | — |
| Current | 13x | $31.94 | — |
| Cheap | 21x | $52.73 | +65% |
| Fair | 35x | $87.23 | +173% |
| Expensive | 130x | $322 | +907% |
Historical ranges are pointers, not guarantees.
OSCR's PE is 13x, but its earnings don't support one, so it isn't a reliable read right now.
CERT Forward outlook
| Metric | Outlook |
|---|---|
| -- | |
| Stable | |
| Stable | |
| Strongly weakening | |
| Limited | |
| Moderate |
Analysts expect CERT's profitability to weaken, with its earnings and revenue holding steady.
OSCR Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Strong growth | |
| Strong growth | |
| Strongly improving | |
| Limited | |
| Moderate |
OSCR has the edge over CERT on the outlook, with more favorable earnings and revenue expectations.
CERT Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $0.40 | — |
| Q3 2026 | -$0.42 | -700% |
| Q2 2026 | -$0.45 | -1000% |
| Q1 2026 | -$0.10 | -$0.08 |
| Q4 2025 | -$0.01 | +$0.07 |
| Q3 2025 | $0.07 | +$0.27 |
| Q2 2025 | $0.05 | +$0.55 |
| Q1 2025 | -$0.02 | +$0.37 |
| Q4 2024 | -$0.08 | +$0.27 |
CERT has swung to a loss: it lost $0.42 per share over the past year, after a profit the year before.
OSCR Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $2.61 | +5.6% |
| Q3 2026 | $2.47 | +$3.47 |
| Q2 2026 | $1.45 | +$2.14 |
| Q1 2026 | -$0.54 | -235% |
| Q4 2025 | -$1.69 | -1790% |
| Q3 2025 | -$1.00 | -$0.92 |
| Q2 2025 | -$0.69 | -$0.54 |
| Q1 2025 | $0.40 | +$0.82 |
| Q4 2024 | $0.10 | +$1.32 |
OSCR has the edge over CERT on earnings quality, reporting a profit while its opponent remains loss making.
CERT Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $94.9M | -9.3% |
| Q2 2026 | $93.3M | -11% |
| Q1 2026 | $106.9M | +0.9% |
| Q4 2025 | $103.6M | +3.3% |
| Q3 2025 | $104.6M | +10% |
| Q2 2025 | $104.6M | +12% |
| Q1 2025 | $106M | +9.7% |
| Q4 2024 | $100.4M | +14% |
CERT's revenue is shrinking: $95M last quarter, down 9.3% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 2.5% | -0.4 points |
| Q2 2026 | -0.2% | -9.3 points |
| Q1 2026 | -4% | -11 points |
| Q4 2025 | 0.8% | -5.2 points |
| Q3 2025 | 2.9% | +0.1 points |
| Q2 2025 | 9.1% | +19 points |
| Q1 2025 | 7.2% | +8.5 points |
| Q4 2024 | 6% | +16 points |
CERT's operating margin was 2.5% last quarter, about level with the same quarter a year ago.
OSCR Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $5.1B | +72% |
| Q2 2026 | $4.9B | +70% |
| Q1 2026 | $4.6B | +53% |
| Q4 2025 | $2.8B | +17% |
| Q3 2025 | $3B | +23% |
| Q2 2025 | $2.9B | +29% |
| Q1 2025 | $3B | +42% |
| Q4 2024 | $2.4B | +67% |
OSCR has the edge over CERT on sales, with more consistent year-over-year improvement.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 3.5% | +7.8 points |
| Q2 2026 | 8% | +16 points |
| Q1 2026 | 15% | +5.4 points |
| Q4 2025 | -12% | -5.7 points |
| Q3 2025 | -4.3% | -2.3 points |
| Q2 2025 | -8.1% | -11 points |
| Q1 2025 | 9.8% | +1.1 points |
| Q4 2024 | -6.2% | +4 points |
OSCR has the edge over CERT on profitability, with a higher operating margin.
CERT Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $29.9M | -6.8% |
| Q2 2026 | $9.4M | -47% |
| Q1 2026 | $11.1M | -34% |
| Q4 2025 | $27.8M | -43% |
| Q3 2025 | $32.1M | +91% |
| Q2 2025 | $17.9M | +91% |
| Q1 2025 | $16.8M | +356% |
| Q4 2024 | $49M | +118% |
CERT's free cash flow has been positive every quarter for seven years: $78M over the past year, down 32% from the year before.
OSCR Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | -$1.2B | -$238.2M |
| Q2 2026 | $2.1B | +316% |
| Q1 2026 | $2.6B | +200% |
| Q4 2025 | $662.8M | +95% |
| Q3 2025 | -$973.7M | -$466M |
| Q2 2025 | $499.8M | +2.1% |
| Q1 2025 | $869.5M | +38% |
| Q4 2024 | $340M | +17% |
OSCR has the edge over CERT on cash flow, with more consistent year-over-year improvement.
CERT Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -1.1% | -1.7M shares |
| 1 year | -4.9% | -7.9M shares |
| 3 years | -4.1% | -6.5M shares |
| 5 years | +2.5% | +3.7M shares |
| Available history | +3.8% | +5.5M shares |
CERT has the edge over OSCR on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | — |
| Q2 2026 | $17.4M |
| Q1 2026 | $40M |
| Q4 2025 | $3.9M |
| Q3 2025 | $13.7M |
| Q4 2020 | — |
| Q3 2020 | $1M |
| Q2 2020 | — |
CERT spent $61M buying back its own shares over the past year.
OSCR Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +3.9% | +13M shares |
| 1 year | +34% | +87.2M shares |
| 3 years | +55% | +123M shares |
| 5 years | +66% | +138M shares |
| Available history | +71% | +143M shares |
OSCR has 346M diluted shares, up 34% from a year ago.
| Quarter | Spent |
|---|---|
| Q4 2020 | — |
| Q3 2020 | — |
| Q2 2020 | — |
| Q1 2020 | — |
CERT Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 1.3x | Healthy |
| Q2 2026 | 1.7x | Healthy |
| Q1 2026 | 1.9x | Healthy |
| Q4 2025 | 1.5x | Healthy |
| Q3 2025 | 2.2x | Moderate |
| Q2 2025 | 3.2x | Elevated |
| Q1 2025 | 12.0x | High |
| Q4 2024 | 442.0x | High |
CERT's net debt is about 1.3 years of its operating earnings (EBITDA), down from 2.2 years a year ago.
OSCR Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -4.2x | Net Cash |
| Q2 2026 | -5.5x | Net Cash |
| Q1 2026 | -110.0x | Net Cash |
| Q1 2025 | -9.7x | Net Cash |
| Q4 2024 | -13.7x | Net Cash |
| Q3 2024 | -10.1x | Net Cash |
| Q2 2024 | -24.0x | Net Cash |
| Q1 2024 | -217.7x | Net Cash |
OSCR has the edge over CERT on leverage, with a lower net debt burden relative to earnings.
CERT Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 74.4 | Overbought |
| Stochastic | 88.2 | Overbought |
CERT's weekly RSI is 74 (overbought) and its Stochastic is 88 (overbought).
OSCR Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 58.7 | Neutral |
| Stochastic | 44.9 | Neutral |
OSCR's weekly RSI is 59 (neutral) and its Stochastic is 45 (neutral).
CERT PE vs Healthcare Sector
| Metric | CERT | Sector median | Relative |
|---|---|---|---|
| PE | N/A | 26x | — |
CERT has no meaningful PE right now: it lost money over the past year.
OSCR PE vs Healthcare Sector
| Metric | OSCR | Sector median | Relative |
|---|---|---|---|
| PE | 13x | 26x | 50% below |
| PE % | 3 | 35 | 32 pts below |
OSCR is trading at 13x earnings, a 50% discount to the Healthcare sector's median of 26x, though its earnings don't support one.
CERT Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $10.3 | 16% above |
| 20 week MA | $8.77 | 36% above |
| 50 week MA | $7.68 | 55% above |
| 100 week MA | $9.56 | 24% above |
| 200 week MA | $13.0 | 8.2% below |
CERT has bounced recently, but its long-term trend is still down: it's above its 8-, 20-, 50- and 100-week averages, but 8.2% below its 200-week average.
OSCR Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $31.2 | 2.3% above |
| 20 week MA | $31.1 | 2.8% above |
| 50 week MA | $22.9 | 39% above |
| 100 week MA | $19.3 | 65% above |
| 200 week MA | $15.5 | 106% above |
OSCR has the edge over CERT on trend strength, trading above more of its moving averages.
CERT Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $38.1 | $37.8 | -0.7% |
| 2021 | $37.8 | $29.4 | -22% |
| 2022 | $29.4 | $16.0 | -45% |
| 2023 | $16.0 | $17.6 | +9.8% |
| 2024 | $17.6 | $10.7 | -39% |
| 2025 | $10.7 | $8.89 | -17% |
| 2026 YTD | $8.89 | $11.9 | +34% |
CERT is up 34% so far in 2026, after finishing lower in five of the previous six years.
OSCR Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2021 | $31.0 | $8.02 | -74% |
| 2022 | $8.02 | $2.21 | -72% |
| 2023 | $2.21 | $9.15 | +314% |
| 2024 | $9.15 | $13.8 | +51% |
| 2025 | $13.8 | $14.9 | +8% |
| 2026 YTD | $14.9 | $31.9 | +114% |
OSCR has the edge over CERT on returns for 2026, with the stronger performance.