OSCR
Oscar Health, Inc.
OSCR has the edge over PHR overall, supported by stronger fundamentals and stronger modeled upside.
PHR
Phreesia, Inc.
PHR 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.
PHR Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Healthy | |
| Strong | |
| Healthy |
PHR's revenue, profitability, cash flow and balance sheet are all currently healthy.
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 PHR in the historical PE scenario, which offers more potential upside but is not a forecast.
PHR PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Forward | 20x | $12.62 | — |
| Cheap | 59x | $10.60 | -16% |
| Fair | 68x | $12.27 | -2.8% |
| Current | 70x | $12.62 | — |
| Expensive | 215x | $38.67 | +206% |
Historical ranges are pointers, not guarantees.
PHR's PE is 70x, 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 PHR on the outlook, with more favorable revenue expectations.
PHR Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Stable | |
| Strongly improving | |
| Limited | |
| Low |
Analysts expect PHR'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 returned to profit: it earned $2.47 per share over the past year, after losing money the year before.
PHR Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $0.62 | +245% |
| Q3 2026 | $0.18 | +$0.60 |
| Q2 2026 | $0.16 | +$0.90 |
| Q1 2026 | $0.04 | +$1.06 |
| Q4 2025 | -$0.10 | +$1.36 |
| Q3 2025 | -$0.42 | +$1.37 |
| Q2 2025 | -$0.74 | +$1.42 |
| Q1 2025 | -$1.02 | +$1.49 |
| Q4 2024 | -$1.46 | +$1.22 |
PHR has the edge over OSCR on earnings, with more consistent year-over-year improvement.
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 PHR on sales, with stronger typical year-over-year growth.
| 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.
PHR Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $129.5M | +10% |
| Q2 2026 | $130.9M | +13% |
| Q1 2026 | $127.1M | +16% |
| Q4 2025 | $120.3M | +13% |
| Q3 2025 | $117.3M | +15% |
| Q2 2025 | $115.9M | +15% |
| Q1 2025 | $109.7M | +15% |
| Q4 2024 | $106.8M | +17% |
PHR's revenue has grown year over year every quarter since late 2020: $129M last quarter, up 10% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 5.9% | +7.2 points |
| Q2 2026 | 5.2% | +8 points |
| Q1 2026 | -4.4% | +2.6 points |
| Q4 2025 | 3.1% | +16 points |
| Q3 2025 | -1.3% | +16 points |
| Q2 2025 | -2.8% | +16 points |
| Q1 2025 | -6.9% | +24 points |
| Q4 2024 | -13% | +22 points |
PHR 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.
PHR Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $17.8M | +36% |
| Q2 2026 | $19.6M | +73% |
| Q1 2026 | $31.1M | +131% |
| Q4 2025 | $12.2M | +136% |
| Q3 2025 | $13.1M | +97% |
| Q2 2025 | $11.3M | +$12.9M |
| Q1 2025 | $13.5M | +$19M |
| Q4 2024 | $5.2M | +$12.7M |
PHR has the edge over OSCR on cash flow, with more consistent year-over-year improvement.
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 | — |
PHR Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.7% | +423K shares |
| 1 year | +1.3% | +778K shares |
| 3 years | +16% | +8.7M shares |
| 5 years | +24% | +11.9M shares |
| Available history | +75% | +26.7M shares |
PHR has the edge over OSCR on shareholder dilution, with a more favorable share count trend.
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 PHR on leverage, with a lower net debt burden relative to earnings.
PHR Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -0.2x | Net Cash |
| Q2 2026 | 0.4x | Very low |
| Q1 2026 | 1.1x | Healthy |
| Q4 2025 | -4.9x | Net Cash |
| Q3 2025 | -44.5x | Net Cash |
PHR 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).
PHR Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 57.4 | Neutral |
| Stochastic | 80.7 | Overbought |
PHR's weekly RSI is 57 (neutral) and its Stochastic is 81 (overbought).
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 PHR on valuation relative to its sector.
PHR PE vs Healthcare Sector
| Metric | PHR | Sector median | Relative |
|---|---|---|---|
| PE | 70x | 26x | 171% above |
| PE % | 56 | 29 | 27 pts above |
PHR is trading at 70x earnings, a 171% 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 PHR on trend strength, trading above more of its moving averages.
PHR Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $11.5 | 9.4% above |
| 20 week MA | $11.3 | 12% above |
| 50 week MA | $11.8 | 6.8% above |
| 100 week MA | $18.7 | 33% below |
| 200 week MA | $21.9 | 42% below |
PHR has bounced recently, but its long-term trend is still down: it's above its 8-, 20- and 50-week averages, but 42% 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 PHR on returns for 2026, with the stronger performance.
PHR Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $26.4 | $57.3 | +117% |
| 2021 | $57.3 | $44.2 | -23% |
| 2022 | $44.2 | $33.5 | -24% |
| 2023 | $33.5 | $23.2 | -31% |
| 2024 | $23.2 | $25.8 | +11% |
| 2025 | $25.8 | $17.0 | -34% |
| 2026 YTD | $17.0 | $12.6 | -26% |
PHR has finished lower in four of the last six years. It's down 26% so far in 2026.