OSCR

Oscar Health, Inc.

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

OSCR's fundamentals are strong: revenue grew 55% and its operating margin went from โˆ’1.9% to 5.4%. Its PE isn't a useful guide right now because of how its recent earnings were reported.

PHVS

Pharvaris N.V.

There isn't enough reported data to score PHVS yet.

OSCR Fundamentals

MetricStatus
Strong
Healthy
Strong
Strong

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

PHVS Fundamentals

MetricStatus
Unavailable
Under pressure
Unavailable
Unavailable

PHVS's profitability is currently under pressure. There isn't enough data to rate its revenue, cash flow and balance sheet.

OSCR PE Valuation

CHEAPFAIREXPENSIVE41x83x124x166x
CHEAPFAIREXPENSIVE41x83x124x166x
LevelPEPriceVs current
Forward12x$31.94โ€”
Current13x$31.94โ€”
Cheap21x$52.73+65%
Fair35x$87.23+173%
Expensive130x$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.

PHVS PE Valuation

PHVS has no meaningful PE right now: it lost money over the past year.

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.

PHVS Forward outlook

MetricOutlook
--
Losses growing
Strong growth
--
Limited
Moderate

Analysts expect PHVS's losses to grow, with revenue growing.

OSCR Risk to reward

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

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

There is not enough scenario data to compare OSCR and PHVS's risk to reward.

PHVS Risk to reward

ScenarioChangePrice
UpsideUnknownโ€”
DownsideUnknownโ€”

Calculated from the latest close: $33.83 on Nov 12.

There is not enough scenario data to compare OSCR and PHVS's risk to reward.

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 the edge over PHVS on earnings quality, reporting a profit while its opponent remains loss making.

PHVS Earnings Per Share

Q3 2023: $-3.44Q4 2023: $-2.83Q1 2024: $-2.67Q2 2024: $-2.51Q3 2024: $-2.72Q4 2024: $-2.76Q1 2025: $-3.12Q2 2025: $-3.43Q3 2025: $-3.24Q4 2025: $-3.41Q1 2026: $-3.14Q2 2026: $-3.00
Q3 2023: $-3.44Q4 2023: $-2.83Q1 2024: $-2.67Q2 2024: $-2.51Q3 2024: $-2.72Q4 2024: $-2.76Q1 2025: $-3.12Q2 2025: $-3.43Q3 2025: $-3.24Q4 2025: $-3.41Q1 2026: $-3.14Q2 2026: $-3.00
QuarterTTM EPSYoY
Q2 2026-$3.00+$0.43
Q1 2026-$3.14-$0.02
Q4 2025-$3.41-$0.65
Q3 2025-$3.24-$0.52
Q2 2025-$3.43-$0.92
Q1 2025-$3.12-$0.45
Q4 2024-$2.76+$0.07
Q3 2024-$2.72+$0.72

PHVS lost $3.00 per share over the past year, a smaller loss than the year before.

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 PHVS on sales, with more consistent year-over-year improvement.

PHVS Quarterly Revenue

Q3 2023: $0Q4 2023: $0Q1 2024: $0Q2 2024: $0Q3 2024: $0Q4 2024: $0Q1 2025: $0Q2 2025: $0Q3 2025: $0Q4 2025: $0Q1 2026: $0Q2 2026: $0
Q3 2023: $0Q4 2023: $0Q1 2024: $0Q2 2024: $0Q3 2024: $0Q4 2024: $0Q1 2025: $0Q2 2025: $0Q3 2025: $0Q4 2025: $0Q1 2026: $0Q2 2026: $0

PHVS's revenue is shrinking: $0 last quarter.

OSCR Free Cash Flow

Q4 2023: $291MQ1 2024: $628MQ2 2024: $490MQ3 2024: โˆ’$508MQ4 2024: $340MQ1 2025: $870MQ2 2025: $500MQ3 2025: โˆ’$974MQ4 2025: $663MQ1 2026: $2.6BQ2 2026: $2.1BQ3 2026: โˆ’$1.2B
Q4 2023: $291MQ1 2024: $628MQ2 2024: $490MQ3 2024: โˆ’$508MQ4 2024: $340MQ1 2025: $870MQ2 2025: $500MQ3 2025: โˆ’$974MQ4 2025: $663MQ1 2026: $2.6BQ2 2026: $2.1BQ3 2026: โˆ’$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 has the edge over PHVS on cash generation, producing positive trailing cash flow while its opponent burns cash.

PHVS Free Cash Flow

Q3 2023: โˆ’$26MQ4 2023: โˆ’$26MQ1 2024: โˆ’$27MQ2 2024: โˆ’$31MQ3 2024: โˆ’$37MQ4 2024: โˆ’$39MQ1 2025: โˆ’$43MQ2 2025: โˆ’$33MQ3 2025: โˆ’$34MQ4 2025: โˆ’$42MQ1 2026: โˆ’$55MQ2 2026: โˆ’$42M
Q3 2023: โˆ’$26MQ4 2023: โˆ’$26MQ1 2024: โˆ’$27MQ2 2024: โˆ’$31MQ3 2024: โˆ’$37MQ4 2024: โˆ’$39MQ1 2025: โˆ’$43MQ2 2025: โˆ’$33MQ3 2025: โˆ’$34MQ4 2025: โˆ’$42MQ1 2026: โˆ’$55MQ2 2026: โˆ’$42M
QuarterFree cash flowYoY
Q2 2026-$42M-$8.7M
Q1 2026-$55.1M-$12.2M
Q4 2025-$42.2M-$3.2M
Q3 2025-$34.1M+$3.2M
Q2 2025-$33.3M-$2.5M
Q1 2025-$42.9M-$16M
Q4 2024-$39M-$12.5M
Q3 2024-$37.3M-$11.1M

PHVS has burned cash in almost every quarter: โˆ’$173M over the past year, against โˆ’$153M the year before.

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.

PHVS Total Shares

Q3 2023: 41MQ4 2023: 52MQ1 2024: 54MQ2 2024: 54MQ3 2024: 54MQ4 2024: 54MQ1 2025: 55MQ2 2025: 55MQ3 2025: 62MQ4 2025: 59MQ1 2026: 65MQ2 2026: 68M
Q3 2023: 41MQ4 2023: 52MQ1 2024: 54MQ2 2024: 54MQ3 2024: 54MQ4 2024: 54MQ1 2025: 55MQ2 2025: 55MQ3 2025: 62MQ4 2025: 59MQ1 2026: 65MQ2 2026: 68M
PeriodChange %Net change
Quarterly+4.2%+2.8M shares
1 year+24%+13.4M shares
3 years+97%+33.5M shares
5 years+105%+34.9M shares
Available history+114%+36.2M shares

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

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 more cash than debt.

PHVS Net Leverage

PHVS's operating earnings (EBITDA) were negative over the past year, so its debt can't be measured against them.

OSCR Weekly Momentum

MetricValueStatus
RSI58.7Neutral
Stochastic44.9Neutral

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

PHVS Weekly Momentum

MetricValueStatus
RSI53.9Neutral
Stochastic40.1Neutral

PHVS's weekly RSI is 54 (neutral) and its Stochastic is 40 (neutral).

OSCR PE vs Healthcare Sector

MetricOSCRSector medianRelative
PE13x26x50% below
PE %33532 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.

PHVS PE vs Healthcare Sector

PHVS has no meaningful PE right now: it lost money over the past year.

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 PHVS on trend strength, trading above more of its moving averages.

PHVS Weekly Moving Averages

Moving averageMA priceRelative
8 week MA$31.96.1% above
20 week MA$33.90.1% below
50 week MA$30.312% above
100 week MA$24.936% above
200 week MA$21.558% above

PHVS's trend is mixed: it's above four of its five weekly moving averages, and 58% above its 200-week average.

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 PHVS on returns for 2026, with the stronger performance.

PHVS Yearly ROI

YearStart priceEnd priceROI
2021$29.0$15.8-46%
2022$15.8$9.91-37%
2023$9.91$28.1+183%
2024$28.1$19.4-31%
2025$19.4$25.8+33%
2026 YTD$25.8$33.8+31%

PHVS's yearly returns have swung widely, from +183% in 2023 to โˆ’46% in 2021. It's up 31% so far in 2026.

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