OSCR
Oscar Health, Inc.
OSCR has the edge over PFE overall, supported by stronger fundamentals and stronger valuation.
PFE
Pfizer Inc.
PFE has slightly lower modeled downside risk, despite its lower overall score.
OSCR Fundamentals
| Metric | Status |
|---|---|
| Strong | |
| Healthy | |
| Strong | |
| Strong |
OSCR's revenue, profitability, cash flow and balance sheet are all currently healthy.
PFE Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Stable | |
| Strong | |
| Weak |
PFE's cash flow is currently strong, and its revenue and profitability are stable, but its balance sheet is weak.
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 has the edge over PFE in the historical PE scenario, which offers more potential upside but is not a forecast.
PFE PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 9.7x | $6.78 | -76% |
| Forward | 10x | $28.83 | — |
| Fair | 15x | $10.59 | -63% |
| Expensive | 24x | $16.53 | -43% |
| Current | 41x | $28.83 | — |
Historical ranges are pointers, not guarantees.
PFE's PE is in its expensive range at 41x. On analysts' estimates for next year's earnings, today's price would be 10x, in its cheap range.
OSCR Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Strong growth | |
| Strong growth | |
| Strongly improving | |
| Limited | |
| Moderate |
OSCR has the edge over PFE on the outlook, with more favorable earnings and revenue expectations.
PFE Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Stable | |
| Stable | |
| Improving | |
| Limited | |
| Low |
Analysts expect PFE's profitability to improve, with its earnings and revenue holding steady. However, they disagree widely on these estimates.
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 returned to profit: it earned $2.47 per share over the past year, after losing money the year before.
PFE Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $2.83 | +304% |
| Q3 2026 | $0.70 | -59% |
| Q2 2026 | $0.76 | -60% |
| Q1 2026 | $1.31 | -5.1% |
| Q4 2025 | $1.36 | -3.5% |
| Q3 2025 | $1.72 | +129% |
| Q2 2025 | $1.88 | +$2.33 |
| Q1 2025 | $1.38 | +$1.43 |
| Q4 2024 | $1.41 | +281% |
PFE's earnings per share have fallen from their peak: $0.70 over the past year, against $5.47 in late 2022.
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 PFE 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's operating margin was 3.5% last quarter, up 7.8 points from the same quarter a year ago.
PFE Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $16.6B | -0.4% |
| Q2 2026 | $15B | +2.6% |
| Q1 2026 | $14.5B | +5.4% |
| Q4 2025 | $17.6B | -1.2% |
| Q3 2025 | $16.7B | -5.9% |
| Q2 2025 | $14.7B | +10% |
| Q1 2025 | $13.7B | -7.8% |
| Q4 2024 | $17.8B | +25% |
PFE's revenue fell from its 2022 peak and has held roughly level since: $16.6B last quarter, about level with the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 20% | +0.4 points |
| Q2 2026 | -4.3% | -25 points |
| Q1 2026 | 22% | +1.6 points |
| Q4 2025 | -9.3% | -9.3 points |
| Q3 2025 | 20% | -6.6 points |
| Q2 2025 | 21% | +22 points |
| Q1 2025 | 20% | -2.7 points |
| Q4 2024 | -0.1% | +29 points |
PFE has the edge over OSCR on profitability, with a higher operating margin.
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 usually generates cash, though not every quarter: the latest was −$1.2B, but it generated $4.1B over the past year.
PFE Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $4.8B | +20% |
| Q2 2026 | $302M | +$1.5B |
| Q1 2026 | $2.2B | +23% |
| Q4 2025 | $4.5B | -22% |
| Q3 2025 | $4B | -34% |
| Q2 2025 | -$1.2B | +$1.2B |
| Q1 2025 | $1.8B | +359% |
| Q4 2024 | $5.8B | +38% |
PFE still generates free cash flow, though less than at its 2021 peak: $11.8B 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 | — |
PFE Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.9% | +52M shares |
| 1 year | +0.6% | +37M shares |
| 3 years | +1.9% | +105M shares |
| 5 years | +0.5% | +26M shares |
| Available history | -3.9% | -230M shares |
PFE has the edge over OSCR on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q4 2023 | — |
| Q3 2023 | — |
| Q2 2023 | — |
| Q1 2023 | — |
| Q4 2022 | — |
| Q3 2022 | — |
| Q2 2022 | — |
| Q1 2022 | $2B |
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 PFE on leverage, with a lower net debt burden relative to earnings.
PFE Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 5.7x | High |
| Q2 2026 | 5.8x | High |
| Q1 2026 | 4.3x | High |
| Q4 2025 | 4.5x | High |
| Q3 2025 | 3.8x | Elevated |
| Q2 2025 | 3.5x | Elevated |
| Q1 2025 | 4.3x | High |
| Q4 2024 | 4.2x | High |
PFE's net debt is about 5.7 years of its operating earnings (EBITDA), up from 3.8 years a year ago.
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).
PFE Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 56.8 | Neutral |
| Stochastic | 72.5 | Neutral |
PFE's weekly RSI is 57 (neutral) and its Stochastic is 73 (neutral).
OSCR PE vs Healthcare Sector
| Metric | OSCR | Sector median | Relative |
|---|---|---|---|
| PE | 13x | 26x | 50% below |
| PE % | 3 | 35 | 32 pts below |
OSCR has the edge over PFE on valuation relative to its sector.
PFE PE vs Healthcare Sector
| Metric | PFE | Sector median | Relative |
|---|---|---|---|
| PE | 41x | 26x | 59% above |
| PE % | 97 | 29 | 68 pts above |
PFE is trading at 41x earnings, a 59% premium to the Healthcare sector's median of 26x.
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 PFE on trend strength, trading above more of its moving averages.
PFE Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $29.1 | 1.1% below |
| 20 week MA | $27.5 | 4.9% above |
| 50 week MA | $26.8 | 7.7% above |
| 100 week MA | $25.8 | 12% above |
| 200 week MA | $29.0 | 0.4% below |
PFE's trend is mixed: it's above three of its five weekly moving averages, and 0.4% below its 200-week average.
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 PFE on returns for 2026, with the stronger performance.
PFE Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $37.3 | $37.3 | 0% |
| 2021 | $37.3 | $58.7 | +58% |
| 2022 | $58.7 | $51.8 | -12% |
| 2023 | $51.8 | $28.8 | -44% |
| 2024 | $28.8 | $26.6 | -7.5% |
| 2025 | $26.6 | $25.1 | -5.7% |
| 2026 YTD | $25.1 | $28.8 | +15% |
PFE has finished four years in a row lower, and it's up 15% so far in 2026.