NHC

National HealthCare Corporation

54
Fundamentals67/ 100
Valuation27/ 100
Upside potential35/ 100
Risk potential28/ 100

NHC has lower modeled downside risk, despite its lower overall score.

OSCR

Oscar Health, Inc.

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

OSCR has the edge over NHC overall, supported by stronger modeled upside and stronger valuation.

NHC Fundamentals

MetricStatus
Stable
Healthy
Healthy
Stable

NHC's profitability and cash flow are currently healthy, and its revenue and balance sheet are stable.

OSCR Fundamentals

MetricStatus
Strong
Healthy
Strong
Strong

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

NHC PE Valuation

CHEAPFAIREXPENSIVE14x27x41x55x
CHEAPFAIREXPENSIVE14x27x41x55x
LevelPEPriceVs current
Cheap12x$88.68-58%
Fair22x$156-26%
Current29x$211—
Expensive33x$242+15%

Historical ranges are pointers, not guarantees.

NHC's PE is in its expensive range at 29x.

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 has the edge over NHC in the historical PE scenario, which offers more potential upside but is not a forecast.

NHC Forward outlook

There aren't enough analyst estimates for NHC to show an outlook.

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.

NHC Risk to reward

ScenarioChangePrice
Upside+15%$242.71
Downside-28%$152.72

Calculated from the latest close: $210.78 on Nov 12.

NHC trails OSCR on modeled risk to reward, with less potential upside relative to its potential downside.

OSCR Risk to reward

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

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

OSCR has a better modeled risk to reward balance than NHC, with more potential upside relative to its potential downside.

NHC Earnings Per Share

Q4 2023: $4.34Q1 2024: $5.27Q2 2024: $5.94Q3 2024: $7.99Q4 2024: $6.53Q1 2025: $6.91Q2 2025: $6.70Q3 2025: $6.47Q4 2025: $7.67Q1 2026: $7.87Q2 2026: $8.89Q3 2026: $7.24
Q4 2023: $4.34Q1 2024: $5.27Q2 2024: $5.94Q3 2024: $7.99Q4 2024: $6.53Q1 2025: $6.91Q2 2025: $6.70Q3 2025: $6.47Q4 2025: $7.67Q1 2026: $7.87Q2 2026: $8.89Q3 2026: $7.24
QuarterTTM EPSYoY
Q3 2026$7.24+12%
Q2 2026$8.89+33%
Q1 2026$7.87+14%
Q4 2025$7.67+17%
Q3 2025$6.47-19%
Q2 2025$6.70+13%
Q1 2025$6.91+31%
Q4 2024$6.53+50%

NHC has the edge over OSCR on earnings, with more consistent year-over-year improvement.

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.

NHC Quarterly Revenue

Q4 2023: $301MQ1 2024: $297MQ2 2024: $301MQ3 2024: $340MQ4 2024: $369MQ1 2025: $374MQ2 2025: $375MQ3 2025: $383MQ4 2025: $387MQ1 2026: $382MQ2 2026: $408MQ3 2026: $408M
Q4 2023: $301MQ1 2024: $297MQ2 2024: $301MQ3 2024: $340MQ4 2024: $369MQ1 2025: $374MQ2 2025: $375MQ3 2025: $383MQ4 2025: $387MQ1 2026: $382MQ2 2026: $408MQ3 2026: $408M
QuarterRevenueYoY
Q3 2026$408M+6.6%
Q2 2026$408M+8.8%
Q1 2026$381.8M+2.2%
Q4 2025$386.5M+4.6%
Q3 2025$382.7M+12%
Q2 2025$374.9M+25%
Q1 2025$373.7M+26%
Q4 2024$369.4M+23%

NHC's revenue has grown year over year for 14 quarters in a row: $408M last quarter, up 6.6% from the same quarter a year ago.

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 has the edge over NHC on sales, with stronger typical year-over-year growth.

NHC Free Cash Flow

Q4 2023: $17MQ1 2024: $4MQ2 2024: $43MQ3 2024: $29MQ4 2024: $5MQ1 2025: $33MQ2 2025: $53MQ3 2025: $56MQ4 2025: $6MQ1 2026: $53MQ2 2026: $31MQ3 2026: $99M
Q4 2023: $17MQ1 2024: $4MQ2 2024: $43MQ3 2024: $29MQ4 2024: $5MQ1 2025: $33MQ2 2025: $53MQ3 2025: $56MQ4 2025: $6MQ1 2026: $53MQ2 2026: $31MQ3 2026: $99M
QuarterFree cash flowYoY
Q3 2026$99.2M+76%
Q2 2026$30.7M-42%
Q1 2026$52.9M+60%
Q4 2025$6.4M+38%
Q3 2025$56.5M+98%
Q2 2025$52.6M+23%
Q1 2025$33.1M+797%
Q4 2024$4.6M-73%

NHC generated $189M in free cash flow over the past year, up 29% from the year before.

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.

NHC Total Shares

Q4 2023: 15MQ1 2024: 16MQ2 2024: 16MQ3 2024: 16MQ4 2024: 16MQ1 2025: 16MQ2 2025: 16MQ3 2025: 16MQ4 2025: 16MQ1 2026: 16MQ2 2026: 16MQ3 2026: 16M
Q4 2023: 15MQ1 2024: 16MQ2 2024: 16MQ3 2024: 16MQ4 2024: 16MQ1 2025: 16MQ2 2025: 16MQ3 2025: 16MQ4 2025: 16MQ1 2026: 16MQ2 2026: 16MQ3 2026: 16M
PeriodChange %Net change
Quarterly+0.6%+101K shares
1 year+1.9%+300K shares
3 years+4.2%+640K shares
5 years+3.9%+601K shares
Available history+3.9%+605K shares

NHC has the edge over OSCR on shareholder dilution, with a more favorable share count trend.

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 346M diluted shares, up 34% from a year ago.

NHC Net Leverage

Q4 2023: -1.1xQ1 2024: -0.9xQ2 2024: -1.2xQ3 2024: 0.5xQ4 2024: 0.5xQ1 2025: 0.3xQ2 2025: -0.0xQ3 2025: -0.4xQ4 2025: -0.3xQ1 2026: -0.5xQ2 2026: -0.2xQ3 2026: 2.1x
Q4 2023: -1.1xQ1 2024: -0.9xQ2 2024: -1.2xQ3 2024: 0.5xQ4 2024: 0.5xQ1 2025: 0.3xQ2 2025: -0.0xQ3 2025: -0.4xQ4 2025: -0.3xQ1 2026: -0.5xQ2 2026: -0.2xQ3 2026: 2.1x
QuarterNet LeverageStatus
Q3 20262.1xModerate
Q2 2026-0.2xNet Cash
Q1 2026-0.5xNet Cash
Q4 2025-0.3xNet Cash
Q3 2025-0.4xNet Cash
Q2 2025-0.0xNet Cash
Q1 20250.3xVery low
Q4 20240.5xVery low

NHC's net debt is about 2.1 years of its operating earnings (EBITDA), after holding more cash than debt a year ago.

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 the edge over NHC on leverage, with a lower net debt burden relative to earnings.

NHC Weekly Momentum

MetricValueStatus
RSI50.0Neutral
Stochastic15.5Oversold

NHC's weekly RSI is 50 (neutral) and its Stochastic is 15 (oversold).

OSCR Weekly Momentum

MetricValueStatus
RSI58.7Neutral
Stochastic44.9Neutral

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

NHC PE vs Healthcare Sector

MetricNHCSector medianRelative
PE29x26x13% above
PE %732944 pts above

NHC is trading at 29x earnings, a 13% premium to the Healthcare sector's median of 26x.

OSCR PE vs Healthcare Sector

MetricOSCRSector medianRelative
PE13x26x50% below
PE %33532 pts below

OSCR has the edge over NHC on valuation relative to its sector.

NHC Weekly Moving Averages

Moving averageMA priceRelative
8 week MA$223.35.6% below
20 week MA$222.85.4% below
50 week MA$188.112% above
100 week MA$147.343% above
200 week MA$117.579% above

NHC has pulled back, but its long-term trend is still up: it's below its 8- and 20-week averages, but 79% above 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 NHC on trend strength, trading above more of its moving averages.

NHC Yearly ROI

YearStart priceEnd priceROI
2020$85.0$66.3-22%
2021$66.3$67.7+2.2%
2022$67.7$61.8-8.8%
2023$61.8$92.4+50%
2024$92.4$109.6+19%
2025$109.6$138.7+27%
2026 YTD$138.7$210.8+52%

NHC has finished higher in four of the last six years. It's up 52% 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 NHC on returns for 2026, with the stronger performance.

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