MDAI
Spectral AI, Inc.
MDAI has slightly lower modeled downside risk, despite its lower overall score.
OSCR
Oscar Health, Inc.
OSCR has the edge over MDAI overall, supported by stronger fundamentals and stronger modeled upside.
MDAI Fundamentals
| Metric | Status |
|---|---|
| Under pressure | |
| Weak | |
| Weak | |
| Unavailable |
MDAI's revenue, profitability and cash flow are currently under pressure. There isn't enough data to rate its balance sheet.
OSCR Fundamentals
| Metric | Status |
|---|---|
| Strong | |
| Healthy | |
| Strong | |
| Strong |
OSCR's revenue, profitability, cash flow and balance sheet are all currently healthy.
MDAI PE Valuation
MDAI 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.
MDAI Forward outlook
| Metric | Outlook |
|---|---|
| -- | |
| Losses growing | |
| Strong decline | |
| -- | |
| Limited | |
| Moderate |
Analysts expect MDAI's losses to grow, with revenue declining.
OSCR Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Strong growth | |
| Strong growth | |
| Strongly improving | |
| Limited | |
| Moderate |
Analysts expect strong earnings and revenue growth for OSCR, with profitability improving.
MDAI Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Q2 2026 | -$0.33 | +$0.37 |
| Q1 2026 | -$0.51 | +$0.04 |
| Q4 2025 | -$0.29 | +$0.56 |
| Q3 2025 | -$0.75 | +$0.05 |
| Q2 2025 | -$0.70 | +$0.79 |
MDAI is still losing money, but far less than before: $0.33 per share over the past year, against $1.49 at its worst in mid-2024.
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 MDAI on earnings quality, reporting a profit while its opponent remains loss making.
MDAI Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q2 2026 | $3.5M | -30% |
| Q1 2026 | $4M | -40% |
| Q4 2025 | $4.1M | -46% |
| Q3 2025 | $3.8M | -54% |
| Q2 2025 | $5.1M | -32% |
| Q1 2025 | $6.7M | +6% |
| Q4 2024 | $7.6M | +44% |
| Q3 2024 | $8.2M | +138% |
MDAI's revenue has slid since its 2024 peak: $4M last quarter, down 30% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q2 2026 | -123% | -81 points |
| Q1 2026 | -49% | -36 points |
| Q4 2025 | -55% | -40 points |
| Q3 2025 | -88% | -77 points |
| Q2 2025 | -42% | -9.3 points |
| Q1 2025 | -13% | +21 points |
| Q4 2024 | -15% | +41 points |
| Q3 2024 | -11% | +110 points |
MDAI's operating margin was −123% last quarter, down 81 points from the same quarter a year ago, near the bottom of its range since 2023.
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 MDAI 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 MDAI on profitability, with a higher operating margin.
MDAI Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q2 2026 | -$4.1M | -$735K |
| Q1 2026 | -$3.7M | -$2.2M |
| Q4 2025 | -$2.6M | -644% |
| Q3 2025 | -$2.5M | -$875K |
| Q2 2025 | -$3.4M | +$2M |
| Q1 2025 | -$1.5M | +$1.2M |
| Q4 2024 | $469K | +$2.8M |
| Q3 2024 | -$1.6M | +$8.9M |
MDAI has burned cash in almost every quarter: −$13M over the past year, against −$6M 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 MDAI on cash generation, producing positive trailing cash flow while its opponent burns cash.
MDAI Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +1% | +324K shares |
| 1 year | +26% | +6.7M shares |
MDAI has the edge over OSCR on shareholder dilution, with a more favorable share count trend.
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 | — |
MDAI Net Leverage
MDAI's operating earnings (EBITDA) were negative over the past year, so its debt can't be measured against them.
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 more cash than debt.
MDAI Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 37.9 | Neutral |
| Stochastic | 23.5 | Neutral |
MDAI's weekly RSI is 38 (neutral) and its Stochastic is 23 (neutral).
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).
MDAI PE vs Healthcare Sector
MDAI 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.
MDAI Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $1.53 | 12% below |
| 20 week MA | $1.60 | 16% below |
| 50 week MA | $1.67 | 19% below |
| 100 week MA | $1.81 | 25% below |
| 200 week MA | $3.38 | 60% below |
MDAI is in a downtrend: it's below all five of its weekly moving averages, and 60% 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 MDAI on trend strength, trading above more of its moving averages.
MDAI Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2021 | $9.72 | $9.82 | +1% |
| 2022 | $9.82 | $10.2 | +3.9% |
| 2023 | $10.2 | $2.46 | -76% |
| 2024 | $2.46 | $2.75 | +12% |
| 2025 | $2.75 | $1.42 | -48% |
| 2026 YTD | $1.42 | $1.35 | -4.9% |
MDAI has finished higher in three of the last five years. It's down 4.9% so far in 2026.
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 MDAI on returns for 2026, with the stronger performance.