OSCR
Oscar Health, Inc.
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.
PHAR
Pharming Group N.V.
There isn't enough reported data to score PHAR yet.
OSCR Fundamentals
| Metric | Status |
|---|---|
| Strong | |
| Healthy | |
| Strong | |
| Strong |
OSCR's revenue, profitability, cash flow and balance sheet are all currently healthy.
PHAR Fundamentals
| Metric | Status |
|---|---|
| Unavailable | |
| Under pressure | |
| Unavailable | |
| Strong |
PHAR's balance sheet is currently strong, but its profitability is under pressure. There isn't enough data to rate its revenue and cash flow.
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.
PHAR PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 17x | N/A | N/A |
| Fair | 35x | N/A | N/A |
| Expensive | 280x | N/A | N/A |
| Current | 324x | $12.95 | — |
Historical ranges are pointers, not guarantees.
PHAR's PE is 324x, but its earnings don't support one, so it isn't a reliable read right now.
OSCR Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Strong growth | |
| Strong growth | |
| Strongly improving | |
| Limited | |
| Moderate |
OSCR has the edge over PHAR on the outlook, with more favorable revenue expectations.
PHAR Forward outlook
| Metric | Outlook |
|---|---|
| -- | |
| Strong growth | |
| Stable | |
| Strongly improving | |
| Limited | |
| Low |
Analysts expect PHAR's earnings to grow and its profitability to improve, with its 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 the stronger earnings trend. Trailing diluted EPS is up 147% for OSCR versus PHAR down 100%.
PHAR Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Q4 2025 | $0.00 | +$0.02 |
| Q4 2024 | -$0.02 | $0.00 |
| Q4 2023 | -$0.02 | -200% |
| Q4 2022 | $0.02 | 0% |
| Q4 2021 | $0.02 | -60% |
| Q4 2020 | $0.05 | -90% |
| Q4 2019 | $0.51 | +27% |
| Q3 2019 | $0.54 | +$1.17 |
PHAR has swung to a loss: it lost $0.00 per share over the past year, after a profit the year before.
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% |
PHAR has the stronger quarterly revenue trend. Revenue is up 72% for OSCR versus up 89% for PHAR.
| 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.
PHAR Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q4 2025 | $376.1M | +27% |
| Q4 2024 | $297.2M | +21% |
| Q4 2023 | $245.3M | +19% |
| Q4 2022 | $205.6M | +3.4% |
| Q4 2021 | $198.9M | -3.6% |
| Q4 2020 | $206.3M | +242% |
| Q4 2019 | $60.4M | +35% |
| Q3 2019 | $51.5M | +2% |
PHAR's revenue has grown year over year for 10 quarters in a row: $376M last quarter, up 89% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q4 2025 | 6.9% | 0 points |
| Q4 2024 | -2.9% | -39 points |
| Q4 2023 | -2.2% | -42 points |
| Q4 2022 | 8.9% | -32 points |
| Q4 2021 | 6.8% | -22 points |
| Q4 2020 | 36% | +1.2 points |
| Q4 2019 | 40% | +21 points |
| Q3 2019 | 40% | +2.5 points |
PHAR's operating margin was 6.9% last quarter, about level with the same quarter a year ago.
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 stronger cash trend. Its trailing FCF is up 545% versus its history, compared with PHAR at down 9.5%.
PHAR Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q4 2025 | $54M | +$56.5M |
| Q4 2024 | -$2.6M | +$16.2M |
| Q4 2023 | -$18.7M | -189% |
| Q4 2022 | $21.1M | -22% |
| Q4 2021 | $27.1M | -65% |
| Q4 2020 | $77.6M | +257% |
| Q4 2019 | $21.7M | +21% |
| Q3 2019 | $3.4M | -82% |
PHAR generated $54M in free cash flow over the past year, down 59% from the year before.
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 | — |
PHAR Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -4.9% | -38.5M shares |
| 1 year | +6.5% | +45.7M shares |
| 3 years | +978% | +678M shares |
| 5 years | +1302% | +694M shares |
PHAR has the edge over OSCR on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q4 2019 | — |
| Q3 2019 | — |
| Q2 2019 | — |
| Q1 2019 | — |
| Q4 2018 | — |
| Q3 2018 | — |
| Q2 2018 | — |
| Q1 2018 | — |
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.
PHAR Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q4 2019 | -0.2x | Net Cash |
| Q3 2019 | -0.2x | Net Cash |
| Q2 2019 | 0.1x | Very low |
| Q1 2019 | -0.1x | Net Cash |
| Q4 2018 | 0.1x | Very low |
| Q3 2017 | 4.2x | High |
PHAR has more cash than debt.
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).
PHAR Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 54.8 | Neutral |
| Stochastic | 79.2 | Neutral |
PHAR's weekly RSI is 55 (neutral) and its Stochastic is 79 (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 PHAR on valuation relative to its sector.
PHAR PE vs Healthcare Sector
| Metric | PHAR | Sector median | Relative |
|---|---|---|---|
| PE | 324x | 26x | 1,152% above |
| PE % | 93 | 34 | 59 pts above |
PHAR is trading at 324x earnings, a 1152% premium to the Healthcare sector's median of 26x, though its earnings don't support one.
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 PHAR on trend strength, trading above more of its moving averages.
PHAR Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $11.0 | 18% above |
| 20 week MA | $11.6 | 12% above |
| 50 week MA | $14.2 | 8.5% below |
| 100 week MA | $12.7 | 1.8% above |
| 200 week MA | $11.7 | 11% above |
PHAR's trend is mixed: it's above four of its five weekly moving averages, and 11% above 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 PHAR on returns for 2026, with the stronger performance.
PHAR Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $15.6 | $15.6 | 0% |
| 2021 | $15.6 | $8.75 | -44% |
| 2022 | $8.75 | $11.8 | +34% |
| 2023 | $11.8 | $11.4 | -2.7% |
| 2024 | $11.4 | $10.2 | -11% |
| 2025 | $10.2 | $17.8 | +74% |
| 2026 YTD | $17.8 | $13.0 | -27% |
PHAR has finished lower in four of the last six years. It's down 27% so far in 2026.