OSCR
Oscar Health, Inc.
OSCR offers stronger fundamentals, but that advantage does not outweigh its weaker overall profile.
PODD
Insulet Corporation
PODD has a slight edge over OSCR overall, supported by lower modeled downside and stronger modeled upside.
OSCR Fundamentals
| Metric | Status |
|---|---|
| Strong | |
| Healthy | |
| Strong | |
| Strong |
OSCR's revenue, profitability, cash flow and balance sheet are all currently healthy.
PODD Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| Stable | |
| Healthy |
PODD's revenue, profitability and balance sheet are currently healthy, and its cash flow is 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's PE is 13x, but its earnings don't support one, so it isn't a reliable read right now.
PODD PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Forward | 20x | $149 | — |
| Current | 24x | $149 | — |
| Cheap | 45x | $277 | +86% |
| Fair | 136x | $835 | +459% |
| Expensive | 1,179x | $7,213 | +4732% |
Historical ranges are pointers, not guarantees.
PODD has the edge over OSCR in the historical PE scenario, which offers more potential upside but is not a forecast.
OSCR Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Strong growth | |
| Strong growth | |
| Strongly improving | |
| Limited | |
| Moderate |
Analysts expect strong earnings and revenue growth for OSCR, with profitability improving.
PODD Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Strong growth | |
| Growth | |
| Improving | |
| Moderate | |
| Low |
Analysts expect earnings and revenue growth for PODD, with profitability improving. 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.
PODD Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $7.52 | +23% |
| Q3 2026 | $6.12 | +78% |
| Q2 2026 | $5.33 | +63% |
| Q1 2026 | $4.28 | -23% |
| Q4 2025 | $3.48 | -40% |
| Q3 2025 | $3.44 | -41% |
| Q2 2025 | $3.28 | -41% |
| Q1 2025 | $5.55 | +67% |
| Q4 2024 | $5.78 | +97% |
PODD earned $6.12 per share over the past year, up 78% from 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% |
OSCR has the edge over PODD 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.
PODD Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $842M | +19% |
| Q2 2026 | $801.7M | +24% |
| Q1 2026 | $761.7M | +34% |
| Q4 2025 | $783.8M | +31% |
| Q3 2025 | $706.3M | +30% |
| Q2 2025 | $649.1M | +33% |
| Q1 2025 | $569M | +29% |
| Q4 2024 | $597.5M | +17% |
PODD's revenue has grown year over year every quarter since late 2020: $842M last quarter, up 19% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 23% | +5.9 points |
| Q2 2026 | 16% | -2.5 points |
| Q1 2026 | 16% | +0.4 points |
| Q4 2025 | 19% | +0.4 points |
| Q3 2025 | 17% | +0.5 points |
| Q2 2025 | 19% | +7.5 points |
| Q1 2025 | 16% | +2.7 points |
| Q4 2024 | 18% | -2.6 points |
PODD 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 PODD on cash flow, with more consistent year-over-year improvement.
PODD Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $66.4M | -34% |
| Q2 2026 | $55.9M | -69% |
| Q1 2026 | $89.5M | +74% |
| Q4 2025 | $48.2M | -49% |
| Q3 2025 | $100.1M | +39% |
| Q2 2025 | $177.9M | +140% |
| Q1 2025 | $51.5M | -21% |
| Q4 2024 | $94.1M | +492% |
PODD still generates free cash flow, though less than at its 2025 peak: $260M 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 | — |
PODD Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.1% | +89K shares |
| 1 year | -1.7% | -1.2M shares |
| 3 years | -5.6% | -4.1M shares |
| 5 years | -0.2% | -127K shares |
| Available history | +12% | +7.2M shares |
PODD has the edge over OSCR on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | — |
| Q2 2026 | — |
| Q1 2026 | $300M |
| Q4 2025 | — |
| Q3 2025 | $29.5M |
PODD spent $300M buying back its own shares over the past year.
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 PODD on leverage, with a lower net debt burden relative to earnings.
PODD Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 0.5x | Very low |
| Q2 2026 | 0.7x | Very low |
| Q1 2026 | 0.8x | Very low |
| Q4 2025 | 0.4x | Very low |
| Q3 2025 | 0.5x | Very low |
| Q2 2025 | 0.6x | Very low |
| Q1 2025 | 1.0x | Very low |
| Q4 2024 | 1.1x | Healthy |
PODD's net debt is less than a year of its operating earnings (EBITDA).
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).
PODD Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 44.0 | Neutral |
| Stochastic | 48.9 | Neutral |
PODD's weekly RSI is 44 (neutral) and its Stochastic is 49 (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 PODD on valuation relative to its sector.
PODD PE vs Healthcare Sector
| Metric | PODD | Sector median | Relative |
|---|---|---|---|
| PE | 24x | 26x | 5.6% below |
| PE % | 0 | 29 | 29 pts below |
PODD is trading at 24x earnings, in line with 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 PODD on trend strength, trading above more of its moving averages.
PODD Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $142.3 | 4.9% above |
| 20 week MA | $147.8 | 1% above |
| 50 week MA | $191.3 | 22% below |
| 100 week MA | $243.7 | 39% below |
| 200 week MA | $234.4 | 36% below |
PODD has bounced recently, but its long-term trend is still down: it's above its 8- and 20-week averages, but 36% 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 PODD on returns for 2026, with the stronger performance.
PODD Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $172.5 | $257.3 | +49% |
| 2021 | $257.3 | $273.3 | +6.2% |
| 2022 | $273.3 | $292.1 | +6.9% |
| 2023 | $292.1 | $217.0 | -26% |
| 2024 | $217.0 | $265.1 | +22% |
| 2025 | $265.1 | $288.6 | +8.9% |
| 2026 YTD | $288.6 | $149.3 | -48% |
PODD is down 48% so far in 2026, after finishing higher in five of the previous six years.