CRDL

Cardiol Therapeutics Inc.

There isn't enough reported data to score CRDL yet.

OSCR

Oscar Health, Inc.

69
Fundamentals85/ 100
Valuation50/ 100
Upside potential61/ 100
Risk potential35/ 100

OSCR's fundamentals are strong: revenue grew 55% and its operating margin went from −1.9% to 5.4%. Its PE isn't a useful guide right now because of how its recent earnings were reported.

CRDL Fundamentals

MetricStatus
Unavailable
Under pressure
Unavailable
Unavailable

CRDL's profitability is currently under pressure. There isn't enough data to rate its revenue, cash flow and balance sheet.

OSCR Fundamentals

MetricStatus
Strong
Healthy
Strong
Strong

OSCR's revenue, profitability, cash flow and balance sheet are all currently healthy.

CRDL PE Valuation

CRDL has no meaningful PE right now: it lost money over the past year.

OSCR PE Valuation

CHEAPFAIREXPENSIVE41x83x124x166x
CHEAPFAIREXPENSIVE41x83x124x166x
LevelPEPriceVs current
Forward12x$31.94—
Current13x$31.94—
Cheap21x$52.73+65%
Fair35x$87.23+173%
Expensive130x$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.

CRDL Forward outlook

MetricOutlook
--
Losses shrinking
--
--
Limited
Moderate

Analysts expect CRDL's losses to shrink, with revenue holding steady.

OSCR Forward outlook

MetricOutlook
Improving
Strong growth
Strong growth
Strongly improving
Limited
Moderate

Analysts expect strong earnings and revenue growth for OSCR, with profitability improving.

CRDL Risk to reward

ScenarioChangePrice
UpsideUnknown—
DownsideUnknown—

Calculated from the latest close: $1.04 on Nov 12.

There is not enough scenario data to compare CRDL and OSCR's risk to reward.

OSCR Risk to reward

ScenarioChangePrice
Upside+55%$49.45
Downside-35%$20.78

Calculated from the latest close: $31.94 on Nov 12.

There is not enough scenario data to compare CRDL and OSCR's risk to reward.

CRDL Earnings Per Share

Q2 2018: $-0.09Q3 2018: $-0.23Q4 2018: $-0.50Q1 2019: $-0.58Q2 2019: $-0.63Q3 2019: $-0.57Q4 2019: $-0.37Q1 2020: $-0.35Q2 2020: $-0.34Q3 2020: $-0.34Q4 2020: $-0.46Q4 2021: $-0.51
Q2 2018: $-0.09Q3 2018: $-0.23Q4 2018: $-0.50Q1 2019: $-0.58Q2 2019: $-0.63Q3 2019: $-0.57Q4 2019: $-0.37Q1 2020: $-0.35Q2 2020: $-0.34Q3 2020: $-0.34Q4 2020: $-0.46Q4 2021: $-0.51
QuarterTTM EPSYoY
Q4 2021-$0.51-$0.05
Q4 2020-$0.46-$0.09
Q3 2020-$0.34+$0.23
Q2 2020-$0.34+$0.29
Q1 2020-$0.35+$0.23
Q4 2019-$0.37+$0.13
Q3 2019-$0.57-$0.34
Q2 2019-$0.63-$0.54

OSCR has the stronger earnings trend. Trailing diluted EPS is down 246% for CRDL versus OSCR up 147%.

OSCR Earnings Per Share

Q4 2023: $-1.22Q1 2024: $-0.42Q2 2024: $-0.15Q3 2024: $-0.08Q4 2024: $0.10Q1 2025: $0.40Q2 2025: $-0.69Q3 2025: $-1.00Q4 2025: $-1.69Q1 2026: $-0.54Q2 2026: $1.45Q3 2026: $2.47Forward: $2.61
Q4 2023: $-1.22Q1 2024: $-0.42Q2 2024: $-0.15Q3 2024: $-0.08Q4 2024: $0.10Q1 2025: $0.40Q2 2025: $-0.69Q3 2025: $-1.00Q4 2025: $-1.69Q1 2026: $-0.54Q2 2026: $1.45Q3 2026: $2.47Forward: $2.61
QuarterTTM EPSYoY
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 returned to profit: it earned $2.47 per share over the past year, after losing money the year before.

CRDL Quarterly Revenue

Q2 2018: $0Q3 2018: $0Q4 2018: $0Q1 2019: $0Q2 2019: $0Q3 2019: $0Q4 2019: $0Q1 2020: $0Q2 2020: $0Q3 2020: $0Q4 2020: $0Q4 2021: $55,371
Q2 2018: $0Q3 2018: $0Q4 2018: $0Q1 2019: $0Q2 2019: $0Q3 2019: $0Q4 2019: $0Q1 2020: $0Q2 2020: $0Q3 2020: $0Q4 2020: $0Q4 2021: $55,371

CRDL's revenue is growing: $55,371 last quarter.

OSCR Quarterly Revenue

Q4 2023: $1.4BQ1 2024: $2.1BQ2 2024: $2.2BQ3 2024: $2.4BQ4 2024: $2.4BQ1 2025: $3BQ2 2025: $2.9BQ3 2025: $3BQ4 2025: $2.8BQ1 2026: $4.6BQ2 2026: $4.9BQ3 2026: $5.1B
Q4 2023: $1.4BQ1 2024: $2.1BQ2 2024: $2.2BQ3 2024: $2.4BQ4 2024: $2.4BQ1 2025: $3BQ2 2025: $2.9BQ3 2025: $3BQ4 2025: $2.8BQ1 2026: $4.6BQ2 2026: $4.9BQ3 2026: $5.1B
QuarterRevenueYoY
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's revenue has grown year over year every quarter since early 2021: $5.1B last quarter, up 72% from the same quarter a year ago.

CRDL Free Cash Flow

Q2 2018: −$378,136Q3 2018: −$1MQ4 2018: −$6MQ1 2019: −$3MQ2 2019: −$2MQ3 2019: −$2MQ4 2019: −$2MQ1 2020: −$2MQ2 2020: −$834,425Q3 2020: −$2MQ4 2020: −$2MQ4 2021: −$17M
Q2 2018: −$378,136Q3 2018: −$1MQ4 2018: −$6MQ1 2019: −$3MQ2 2019: −$2MQ3 2019: −$2MQ4 2019: −$2MQ1 2020: −$2MQ2 2020: −$834,425Q3 2020: −$2MQ4 2020: −$2MQ4 2021: −$17M
QuarterFree cash flowYoY
Q4 2021-$16.6M-$14.7M
Q4 2020-$1.8M+$375K
Q3 2020-$2.1M-$454.5K
Q2 2020-$834.4K+$756.1K
Q1 2020-$1.7M+$1.1M
Q4 2019-$2.2M+$3.7M
Q3 2019-$1.6M-$531K
Q2 2019-$1.6M-$1.2M

OSCR has the stronger cash trend. Its trailing FCF is up 545% versus its history, compared with CRDL at down 219%.

OSCR Free Cash Flow

Q4 2023: $291MQ1 2024: $628MQ2 2024: $490MQ3 2024: −$508MQ4 2024: $340MQ1 2025: $870MQ2 2025: $500MQ3 2025: −$974MQ4 2025: $663MQ1 2026: $2.6BQ2 2026: $2.1BQ3 2026: −$1.2B
Q4 2023: $291MQ1 2024: $628MQ2 2024: $490MQ3 2024: −$508MQ4 2024: $340MQ1 2025: $870MQ2 2025: $500MQ3 2025: −$974MQ4 2025: $663MQ1 2026: $2.6BQ2 2026: $2.1BQ3 2026: −$1.2B
QuarterFree cash flowYoY
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 usually generates cash, though not every quarter: the latest was −$1.2B, but it generated $4.1B over the past year.

CRDL Total Shares

Q2 2018: 23MQ3 2018: 23MQ4 2018: 23MQ1 2019: 26MQ2 2019: 26MQ3 2019: 26MQ4 2019: 26MQ1 2020: 26MQ2 2020: 28MQ3 2020: 33MQ4 2020: 33MQ4 2021: 43M
Q2 2018: 23MQ3 2018: 23MQ4 2018: 23MQ1 2019: 26MQ2 2019: 26MQ3 2019: 26MQ4 2019: 26MQ1 2020: 26MQ2 2020: 28MQ3 2020: 33MQ4 2020: 33MQ4 2021: 43M
PeriodChange %Net change
Quarterly+32%+10.4M shares
1 year+67%+17.3M shares
3 years+90%+20.5M shares

CRDL has 43M diluted shares, up 67% from a year ago.

OSCR Total Shares

Q4 2023: 222MQ1 2024: 294MQ2 2024: 304MQ3 2024: 243MQ4 2024: 266MQ1 2025: 306MQ2 2025: 256MQ3 2025: 259MQ4 2025: 262MQ1 2026: 330MQ2 2026: 333MQ3 2026: 346M
Q4 2023: 222MQ1 2024: 294MQ2 2024: 304MQ3 2024: 243MQ4 2024: 266MQ1 2025: 306MQ2 2025: 256MQ3 2025: 259MQ4 2025: 262MQ1 2026: 330MQ2 2026: 333MQ3 2026: 346M
PeriodChange %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 the edge over CRDL on shareholder dilution, with a more favorable share count trend.

CRDL Net Leverage

CRDL's operating earnings (EBITDA) were negative over the past year, so its debt can't be measured against them.

OSCR Net Leverage

Q1 2024: -217.7xQ2 2024: -24.0xQ3 2024: -10.1xQ4 2024: -13.7xQ1 2025: -9.7xQ1 2026: -110.0xQ2 2026: -5.5xQ3 2026: -4.2x
Q1 2024: -217.7xQ2 2024: -24.0xQ3 2024: -10.1xQ4 2024: -13.7xQ1 2025: -9.7xQ1 2026: -110.0xQ2 2026: -5.5xQ3 2026: -4.2x
QuarterNet LeverageStatus
Q3 2026-4.2xNet Cash
Q2 2026-5.5xNet Cash
Q1 2026-110.0xNet Cash
Q1 2025-9.7xNet Cash
Q4 2024-13.7xNet Cash
Q3 2024-10.1xNet Cash
Q2 2024-24.0xNet Cash
Q1 2024-217.7xNet Cash

OSCR has more cash than debt.

CRDL Weekly Momentum

MetricValueStatus
RSI39.9Neutral
Stochastic5.6Oversold

CRDL's weekly RSI is 40 (neutral) and its Stochastic is 6 (oversold).

OSCR Weekly Momentum

MetricValueStatus
RSI58.7Neutral
Stochastic44.9Neutral

OSCR's weekly RSI is 59 (neutral) and its Stochastic is 45 (neutral).

CRDL PE vs Healthcare Sector

CRDL has no meaningful PE right now: it lost money over the past year.

OSCR PE vs Healthcare Sector

MetricOSCRSector medianRelative
PE13x26x50% below
PE %33532 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.

CRDL Weekly Moving Averages

Moving averageMA priceRelative
8 week MA$1.2114% below
20 week MA$1.4327% below
50 week MA$1.2517% below
100 week MA$1.2215% below
200 week MA$1.2617% below

CRDL is in a downtrend: it's below all five of its weekly moving averages, and 17% below its 200-week average.

OSCR Weekly Moving Averages

Moving averageMA priceRelative
8 week MA$31.22.3% above
20 week MA$31.12.8% above
50 week MA$22.939% above
100 week MA$19.365% above
200 week MA$15.5106% above

OSCR has the edge over CRDL on trend strength, trading above more of its moving averages.

CRDL Yearly ROI

YearStart priceEnd priceROI
2020$3.30$2.17-34%
2021$2.17$2.00-7.8%
2022$2.00$0.53-74%
2023$0.53$0.84+58%
2024$0.84$1.31+56%
2025$1.31$0.99-24%
2026 YTD$0.99$1.04+5.1%

CRDL has finished lower in four of the last six years. It's up 5.1% so far in 2026.

OSCR Yearly ROI

YearStart priceEnd priceROI
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 CRDL on returns for 2026, with the stronger performance.

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