OSCR
Oscar Health, Inc.
OSCR has the edge over PSNL overall, supported by stronger fundamentals and lower modeled downside.
PSNL
Personalis, Inc.
PSNL offers stronger modeled upside, but that advantage does not outweigh its weaker overall profile.
OSCR Fundamentals
| Metric | Status |
|---|---|
| Strong | |
| Healthy | |
| Strong | |
| Strong |
OSCR's revenue, profitability, cash flow and balance sheet are all currently healthy.
PSNL Fundamentals
| Metric | Status |
|---|---|
| Strong | |
| Weak | |
| Weak | |
| Unavailable |
PSNL's revenue is currently strong, but its profitability and cash flow are weak. There isn't enough data to rate its balance sheet.
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.
PSNL PE Valuation
PSNL has no meaningful PE right now: it lost money over the past year.
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.
PSNL Forward outlook
| Metric | Outlook |
|---|---|
| -- | |
| Losses shrinking | |
| Strong growth | |
| -- | |
| Limited | |
| Moderate |
Analysts expect PSNL's losses to shrink, with revenue growing.
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 the edge over PSNL on earnings quality, reporting a profit while its opponent remains loss making.
PSNL Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Q3 2026 | -$1.17 | -$0.29 |
| Q2 2026 | -$1.09 | +$0.19 |
| Q1 2026 | -$1.02 | +$0.27 |
| Q4 2025 | -$0.91 | +$0.46 |
| Q3 2025 | -$0.88 | +$0.80 |
| Q2 2025 | -$1.28 | +$0.36 |
| Q1 2025 | -$1.29 | +$0.61 |
| Q4 2024 | -$1.37 | +$0.88 |
PSNL is still losing money, but far less than before: $1.17 per share over the past year, against $2.48 at its worst in late 2022.
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 PSNL on sales, with more consistent year-over-year improvement.
| 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 has the edge over PSNL on profitability, with a higher operating margin.
PSNL Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $25.6M | +77% |
| Q2 2026 | $22.4M | +30% |
| Q1 2026 | $15.5M | -25% |
| Q4 2025 | $17.3M | +3.2% |
| Q3 2025 | $14.5M | -44% |
| Q2 2025 | $17.2M | -24% |
| Q1 2025 | $20.6M | +5.5% |
| Q4 2024 | $16.8M | -15% |
PSNL's revenue is growing: $26M last quarter, up 77% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | -139% | +22 points |
| Q2 2026 | -150% | -24 points |
| Q1 2026 | -208% | -122 points |
| Q4 2025 | -146% | -38 points |
| Q3 2025 | -161% | -105 points |
| Q2 2025 | -127% | -52 points |
| Q1 2025 | -86% | +11 points |
| Q4 2024 | -108% | +14 points |
PSNL's operating margin was −139% last quarter, up 22 points from the same quarter a year ago.
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 PSNL on cash generation, producing positive trailing cash flow while its opponent burns cash.
PSNL Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | -$30.1M | -$6.7M |
| Q2 2026 | -$29.6M | -$16.3M |
| Q1 2026 | -$25.7M | -$5.2M |
| Q4 2025 | -$22.3M | -$13.3M |
| Q3 2025 | -$23.4M | -$17M |
| Q2 2025 | -$13.2M | -$2.5M |
| Q1 2025 | -$20.5M | +$45K |
| Q4 2024 | -$9M | +$7.9M |
PSNL has burned cash in almost every quarter: −$108M over the past year, against −$66M 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 | — |
PSNL Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +1.7% | +1.8M shares |
| 1 year | +21% | +18.5M shares |
| 3 years | +125% | +59.5M shares |
| 5 years | +144% | +63.2M shares |
| Available history | +242% | +75.9M shares |
PSNL 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 more cash than debt.
PSNL Net Leverage
PSNL's operating earnings (EBITDA) were negative over the past year, so its debt can't be measured against them.
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).
PSNL Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 59.9 | Neutral |
| Stochastic | 50.9 | Neutral |
PSNL's weekly RSI is 60 (neutral) and its Stochastic is 51 (neutral).
OSCR PE vs Healthcare Sector
| Metric | OSCR | Sector median | Relative |
|---|---|---|---|
| PE | 13x | 26x | 50% below |
| PE % | 3 | 35 | 32 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.
PSNL PE vs Healthcare Sector
PSNL has no meaningful PE right now: it lost money over the past year.
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 PSNL on trend strength, trading above more of its moving averages.
PSNL Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $16.0 | 0.6% below |
| 20 week MA | $15.4 | 2.8% above |
| 50 week MA | $11.2 | 42% above |
| 100 week MA | $8.46 | 87% above |
| 200 week MA | $5.45 | 191% above |
PSNL's trend is up, with a small recent dip: it's below only its 8-week average, and 191% 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 PSNL on returns for 2026, with the stronger performance.
PSNL Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $9.68 | $41.5 | +329% |
| 2021 | $41.5 | $14.4 | -65% |
| 2022 | $14.4 | $1.95 | -86% |
| 2023 | $1.95 | $2.10 | +7.7% |
| 2024 | $2.10 | $5.87 | +180% |
| 2025 | $5.87 | $8.14 | +39% |
| 2026 YTD | $8.14 | $15.9 | +95% |
PSNL's yearly returns have swung widely, from +329% in 2020 to −86% in 2022. It's up 95% so far in 2026.