OSCR

Oscar Health, Inc.

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

OSCR has the edge over PRGO overall, supported by stronger fundamentals and stronger modeled upside.

PRGO

Perrigo Company plc

51
Fundamentals36/ 100
Valuation50/ 100
Upside potential59/ 100
Risk potential30/ 100

PRGO has lower modeled downside risk, despite its lower overall score.

OSCR Fundamentals

MetricStatus
Strong
Healthy
Strong
Strong

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

PRGO Fundamentals

MetricStatus
Stable
Weak
Under pressure
Weak

PRGO's revenue is currently stable, but its profitability, cash flow and balance sheet are under pressure.

OSCR PE Valuation

CHEAPFAIREXPENSIVE41x83x124x166x
CHEAPFAIREXPENSIVE41x83x124x166x
LevelPEPriceVs current
Forward12x$31.94—
Current13x$31.94—
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.

PRGO PE Valuation

PRGO 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

OSCR has the edge over PRGO on the outlook, with more favorable revenue expectations.

PRGO Forward outlook

MetricOutlook
--
Strong growth
Stable
Strongly improving
Limited
Low

Analysts expect PRGO's earnings to grow and its profitability to improve, with its revenue holding steady. However, they disagree widely on these estimates.

OSCR Risk to reward

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

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

OSCR has a better modeled risk to reward balance than PRGO, with more potential upside relative to its potential downside.

PRGO Risk to reward

ScenarioChangePrice
Upside+44%$23.32
Downside-30%$11.25

Calculated from the latest close: $16.18 on Nov 12.

PRGO trails OSCR on modeled risk to reward, with less potential upside relative to its potential downside.

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 PRGO on earnings quality, reporting a profit while its opponent remains loss making.

PRGO Earnings Per Share

Q4 2023: $-0.09Q1 2024: $-0.06Q2 2024: $-0.91Q3 2024: $-1.16Q4 2024: $-1.25Q1 2025: $-1.31Q2 2025: $-0.58Q3 2025: $-0.38Q4 2025: $-10.29Q1 2026: $-13.11Q2 2026: $-12.52Q3 2026: $-12.77Forward: $2.53
Q4 2023: $-0.09Q1 2024: $-0.06Q2 2024: $-0.91Q3 2024: $-1.16Q4 2024: $-1.25Q1 2025: $-1.31Q2 2025: $-0.58Q3 2025: $-0.38Q4 2025: $-10.29Q1 2026: $-13.11Q2 2026: $-12.52Q3 2026: $-12.77Forward: $2.53
QuarterTTM EPSYoY
Forward$2.53—
Q3 2026-$12.77-$12.39
Q2 2026-$12.52-$11.94
Q1 2026-$13.11-$11.80
Q4 2025-$10.29-$9.04
Q3 2025-$0.38+$0.78
Q2 2025-$0.58+$0.33
Q1 2025-$1.31-$1.25
Q4 2024-$1.25-$1.16

PRGO lost $12.77 per share over the past year, a bigger 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 PRGO on sales, with more consistent year-over-year improvement.

PRGO Quarterly Revenue

Q4 2023: $1.2BQ1 2024: $1.1BQ2 2024: $1.1BQ3 2024: $1.1BQ4 2024: $1.1BQ1 2025: $1BQ2 2025: $1.1BQ3 2025: $1BQ4 2025: $1.1BQ1 2026: $969MQ2 2026: $1BQ3 2026: $989M
Q4 2023: $1.2BQ1 2024: $1.1BQ2 2024: $1.1BQ3 2024: $1.1BQ4 2024: $1.1BQ1 2025: $1BQ2 2025: $1.1BQ3 2025: $1BQ4 2025: $1.1BQ1 2026: $969MQ2 2026: $1BQ3 2026: $989M
QuarterRevenueYoY
Q3 2026$988.6M-5.2%
Q2 2026$1B-3.2%
Q1 2026$969.2M-7.2%
Q4 2025$1.1B-2.5%
Q3 2025$1B-4.1%
Q2 2025$1.1B-0.9%
Q1 2025$1B-3.5%
Q4 2024$1.1B-1.6%

PRGO's revenue has slid since its 2020 peak: $989M last quarter, down 5.2% from the same quarter a year ago.

OSCR Free Cash Flow

Q4 2023: $291MQ1 2024: $628MQ2 2024: $490MQ3 2024: −$508MQ4 2024: $340MQ1 2025: $870MQ2 2025: $500MQ3 2025: −$974MQ4 2025: $663MQ1 2026: $2.6BQ2 2026: $2.1BQ3 2026: −$1.2B
Q4 2023: $291MQ1 2024: $628MQ2 2024: $490MQ3 2024: −$508MQ4 2024: $340MQ1 2025: $870MQ2 2025: $500MQ3 2025: −$974MQ4 2025: $663MQ1 2026: $2.6BQ2 2026: $2.1BQ3 2026: −$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 PRGO on cash flow, with more consistent year-over-year improvement.

PRGO Free Cash Flow

Q4 2023: $182MQ1 2024: −$27MQ2 2024: −$19MQ3 2024: $15MQ4 2024: $275MQ1 2025: −$90MQ2 2025: $57MQ3 2025: $30MQ4 2025: $149MQ1 2026: −$127MQ2 2026: $68MQ3 2026: $79M
Q4 2023: $182MQ1 2024: −$27MQ2 2024: −$19MQ3 2024: $15MQ4 2024: $275MQ1 2025: −$90MQ2 2025: $57MQ3 2025: $30MQ4 2025: $149MQ1 2026: −$127MQ2 2026: $68MQ3 2026: $79M
QuarterFree cash flowYoY
Q3 2026$78.7M+164%
Q2 2026$68.3M+20%
Q1 2026-$127.4M-$37.4M
Q4 2025$148.6M-46%
Q3 2025$29.8M+97%
Q2 2025$56.7M+$75.6M
Q1 2025-$90M-$63.5M
Q4 2024$274.9M+51%

PRGO still generates free cash flow, though less than at its 2021 peak: $168M over the past year.

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.

PRGO Total Shares

Q4 2023: 135MQ1 2024: 138MQ2 2024: 137MQ3 2024: 138MQ4 2024: 137MQ1 2025: 138MQ2 2025: 138MQ3 2025: 139MQ4 2025: 139MQ1 2026: 139MQ2 2026: 140MQ3 2026: 139M
Q4 2023: 135MQ1 2024: 138MQ2 2024: 137MQ3 2024: 138MQ4 2024: 137MQ1 2025: 138MQ2 2025: 138MQ3 2025: 139MQ4 2025: 139MQ1 2026: 139MQ2 2026: 140MQ3 2026: 139M
PeriodChange %Net change
Quarterly-0.1%-200K shares
1 year+0.4%+500K shares
3 years+1.8%+2.5M shares
5 years+4.2%+5.6M shares
Available history+1.8%+2.4M shares

PRGO 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.

PRGO Net Leverage

Q4 2023: 6.5xQ1 2024: 8.5xQ2 2024: 11.5xQ3 2024: 10.5xQ4 2024: 7.0xQ1 2025: 6.0xQ2 2025: 5.2xQ3 2025: 5.3x
Q4 2023: 6.5xQ1 2024: 8.5xQ2 2024: 11.5xQ3 2024: 10.5xQ4 2024: 7.0xQ1 2025: 6.0xQ2 2025: 5.2xQ3 2025: 5.3x
QuarterNet LeverageStatus
Q3 20255.3xHigh
Q2 20255.2xHigh
Q1 20256.0xHigh
Q4 20247.0xHigh
Q3 202410.5xHigh
Q2 202411.5xHigh
Q1 20248.5xHigh
Q4 20236.5xHigh

PRGO's net debt is about 5.3 years of its operating earnings (EBITDA), down from 10 years a year ago.

OSCR Weekly Momentum

MetricValueStatus
RSI58.7Neutral
Stochastic44.9Neutral

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

PRGO Weekly Momentum

MetricValueStatus
RSI61.8Neutral
Stochastic84.4Overbought

PRGO's weekly RSI is 62 (neutral) and its Stochastic is 84 (overbought).

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.

PRGO PE vs Healthcare Sector

MetricPRGOSector medianRelative
PEN/A26x—

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

PRGO Weekly Moving Averages

Moving averageMA priceRelative
8 week MA$15.63.5% above
20 week MA$13.718% above
50 week MA$12.826% above
100 week MA$18.513% below
200 week MA$24.935% below

PRGO has bounced recently, but its long-term trend is still down: it's above its 8-, 20- and 50-week averages, but 35% below 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 PRGO on returns for 2026, with the stronger performance.

PRGO Yearly ROI

YearStart priceEnd priceROI
2020$51.9$44.0-15%
2021$44.0$39.5-10%
2022$39.5$33.0-16%
2023$33.0$32.2-2.5%
2024$32.2$25.6-20%
2025$25.6$13.8-46%
2026 YTD$13.8$16.2+17%

PRGO has finished every year since 2020 lower, and it's up 17% so far in 2026.

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