OSCR
Oscar Health, Inc.
OSCR offers stronger fundamentals, but that advantage does not outweigh its weaker overall profile.
PNTG
The Pennant Group, Inc.
PNTG has a slight edge over OSCR overall, supported by lower modeled downside and stronger valuation.
OSCR Fundamentals
| Metric | Status |
|---|---|
| Strong | |
| Healthy | |
| Strong | |
| Strong |
OSCR's revenue, profitability, cash flow and balance sheet are all currently healthy.
PNTG Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Healthy | |
| Stable | |
| Stable |
PNTG's revenue and profitability are currently healthy, and its cash flow and balance sheet are stable.
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 PNTG in the historical PE scenario, which offers more potential upside but is not a forecast.
PNTG PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Forward | 24x | $35.91 | — |
| Cheap | 35x | $35.37 | -1.5% |
| Current | 36x | $35.91 | — |
| Fair | 46x | $45.65 | +27% |
| Expensive | 87x | $86.68 | +141% |
Historical ranges are pointers, not guarantees.
PNTG's PE is in its cheap range at 36x. If earnings grow as analysts expect, today's price would be 24x next year's earnings.
OSCR Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Strong growth | |
| Strong growth | |
| Strongly improving | |
| Limited | |
| Moderate |
OSCR has the edge over PNTG on the outlook, with more favorable profitability expectations.
PNTG Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Growth | |
| Growth | |
| Stable | |
| Limited | |
| High |
Analysts expect earnings and revenue growth for PNTG, with profitability holding steady.
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.
PNTG Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $1.52 | +52% |
| Q3 2026 | $1.00 | +33% |
| Q2 2026 | $0.91 | +17% |
| Q1 2026 | $0.86 | +13% |
| Q4 2025 | $0.84 | +20% |
| Q3 2025 | $0.75 | +10% |
| Q2 2025 | $0.78 | +24% |
| Q1 2025 | $0.76 | +41% |
| Q4 2024 | $0.70 | +59% |
PNTG 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 PNTG 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.
PNTG Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $302.3M | +32% |
| Q2 2026 | $298M | +36% |
| Q1 2026 | $285.4M | +36% |
| Q4 2025 | $289.3M | +53% |
| Q3 2025 | $229M | +27% |
| Q2 2025 | $219.5M | +30% |
| Q1 2025 | $209.8M | +34% |
| Q4 2024 | $188.9M | +29% |
PNTG's revenue has grown year over year every quarter since late 2020: $302M last quarter, up 32% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 5.5% | +1 points |
| Q2 2026 | 5.8% | +0.5 points |
| Q1 2026 | 6.1% | 0 points |
| Q4 2025 | 6% | +1.2 points |
| Q3 2025 | 4.5% | -1.5 points |
| Q2 2025 | 5.3% | -0.4 points |
| Q1 2025 | 6% | +0.6 points |
| Q4 2024 | 4.9% | -0.3 points |
PNTG 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 has the edge over PNTG on cash flow, with more consistent year-over-year improvement.
PNTG Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $10.1M | -3.2% |
| Q2 2026 | $15.5M | -51% |
| Q1 2026 | -$8.7M | +$14.5M |
| Q4 2025 | $17.4M | +0.9% |
| Q3 2025 | $10.5M | +54% |
| Q2 2025 | $31.6M | +256% |
| Q1 2025 | -$23.2M | -$20.6M |
| Q4 2024 | $17.2M | +511% |
PNTG generated $34M in free cash flow over the past year, down 4.9% 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 | — |
PNTG Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +1.2% | +427K shares |
| 1 year | +3.2% | +1.1M shares |
| 3 years | +20% | +6.2M shares |
| 5 years | +19% | +5.8M shares |
| Available history | +23% | +6.8M shares |
PNTG has the edge over OSCR on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q4 2021 | — |
| Q3 2021 | — |
| Q4 2020 | — |
| Q3 2020 | $8,000 |
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 PNTG on leverage, with a lower net debt burden relative to earnings.
PNTG Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 2.2x | Moderate |
| Q2 2026 | 2.5x | Moderate |
| Q1 2026 | 2.4x | Moderate |
| Q4 2025 | 2.5x | Moderate |
| Q3 2025 | 0.5x | Very low |
| Q2 2025 | 0.4x | Very low |
| Q1 2025 | 1.0x | Very low |
| Q4 2024 | -0.6x | Net Cash |
PNTG's net debt is about 2.2 years of its operating earnings (EBITDA), up from less than a year 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).
PNTG Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 44.9 | Neutral |
| Stochastic | 27.8 | Neutral |
PNTG's weekly RSI is 45 (neutral) and its Stochastic is 28 (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 PNTG on valuation relative to its sector.
PNTG PE vs Healthcare Sector
| Metric | PNTG | Sector median | Relative |
|---|---|---|---|
| PE | 36x | 26x | 39% above |
| PE % | 18 | 29 | 11 pts below |
PNTG is trading at 36x earnings, a 39% 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 PNTG on trend strength, trading above more of its moving averages.
PNTG Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $39.7 | 9.5% below |
| 20 week MA | $39.6 | 9.2% below |
| 50 week MA | $34.7 | 3.6% above |
| 100 week MA | $30.2 | 19% above |
| 200 week MA | $24.5 | 46% above |
PNTG has pulled back, but its long-term trend is still up: it's below its 8- and 20-week averages, but 46% 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 PNTG on returns for 2026, with the stronger performance.
PNTG Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $32.2 | $61.0 | +90% |
| 2021 | $61.0 | $21.9 | -64% |
| 2022 | $21.9 | $9.95 | -55% |
| 2023 | $9.95 | $13.9 | +40% |
| 2024 | $13.9 | $26.6 | +91% |
| 2025 | $26.6 | $29.1 | +9.1% |
| 2026 YTD | $29.1 | $35.9 | +24% |
PNTG has finished higher in four of the last six years, two of them by more than 50%. It's up 24% so far in 2026.