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.

QTTB

Q32 Bio Inc.

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

OSCR Fundamentals

MetricStatus
Strong
Healthy
Strong
Strong

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

QTTB Fundamentals

MetricStatus
Weak
Under pressure
Unavailable
Strong

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

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 has the edge over QTTB in the historical PE scenario, which offers more potential upside but is not a forecast.

QTTB PE Valuation

CHEAPFAIREXPENSIVE1.5x2.9x4.4x5.9x
CHEAPFAIREXPENSIVE1.5x2.9x4.4x5.9x
LevelPEPriceVs current
Cheap2.4x$8.37-5.2%
Current2.6x$8.82โ€”
Fair2.9x$10.05+14%
Expensive4.8x$16.68+89%

Historical ranges are pointers, not guarantees.

QTTB's PE is 2.5x, but its earnings don't support one, so it isn't a reliable read right now.

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.

QTTB Forward outlook

There aren't enough analyst estimates for QTTB to show an outlook.

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 QTTB's risk to reward.

QTTB Risk to reward

ScenarioChangePrice
UpsideUnknownโ€”
DownsideUnknownโ€”

Calculated from the latest close: $8.82 on Nov 12.

There is not enough scenario data to compare OSCR and QTTB'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 stronger earnings trend. Trailing diluted EPS is up 147% for OSCR versus QTTB down 75%.

QTTB Earnings Per Share

Q4 2023: $-35.10Q1 2024: $-32.43Q2 2024: $-22.87Q3 2024: $-14.07Q4 2025: $2.42Q1 2026: $2.78Q2 2026: $3.12Q3 2026: $3.46
Q4 2023: $-35.10Q1 2024: $-32.43Q2 2024: $-22.87Q3 2024: $-14.07Q4 2025: $2.42Q1 2026: $2.78Q2 2026: $3.12Q3 2026: $3.46
QuarterTTM EPSYoY
Q3 2024-$14.07+$26.61
Q2 2024-$22.87+$18.17
Q1 2024-$32.43+$6.81
Q4 2023-$35.10-$33.48
Q3 2023-$40.68-$38.16
Q2 2023-$41.04-$39.42
Q1 2023-$39.24-$37.08
Q4 2022-$1.62+$29.52

QTTB has returned to profit: it earned $3.46 per share over the past year, after losing money 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's revenue has grown year over year every quarter since early 2021: $5.1B last quarter, up 72% from the same quarter a year ago.

QTTB Quarterly Revenue

Q4 2023: $0Q1 2024: $0Q2 2024: $0Q3 2024: $0Q4 2024: $0Q1 2025: --Q2 2025: --Q3 2025: --Q4 2025: --Q1 2026: --Q2 2026: --Q3 2026: --
Q4 2023: $0Q1 2024: $0Q2 2024: $0Q3 2024: $0Q4 2024: $0Q1 2025: --Q2 2025: --Q3 2025: --Q4 2025: --Q1 2026: --Q2 2026: --Q3 2026: --
QuarterRevenueYoY
Q2 2023$354K-56%
Q1 2023$802K0%
Q4 2022$802K0%
Q3 2022$802K-52%
Q2 2022$802K-63%
Q1 2022$802K-97%
Q4 2021$802K-18%
Q3 2021$1.7M+196%

QTTB's revenue has slid since its 2021 peak: $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 stronger cash trend. Its trailing FCF is up 545% versus its history, compared with QTTB at up 78%.

QTTB Free Cash Flow

Q4 2023: โˆ’$22MQ1 2024: โˆ’$15MQ2 2024: โˆ’$22MQ3 2024: โˆ’$20MQ4 2024: โˆ’$11MQ1 2025: โˆ’$12MQ2 2025: --Q3 2025: โˆ’$4MQ4 2025: โˆ’$6MQ1 2026: โˆ’$6MQ2 2026: โˆ’$3MQ3 2026: --
Q4 2023: โˆ’$22MQ1 2024: โˆ’$15MQ2 2024: โˆ’$22MQ3 2024: โˆ’$20MQ4 2024: โˆ’$11MQ1 2025: โˆ’$12MQ2 2025: --Q3 2025: โˆ’$4MQ4 2025: โˆ’$6MQ1 2026: โˆ’$6MQ2 2026: โˆ’$3MQ3 2026: --
QuarterFree cash flowYoY
Q1 2026-$6.3M+$6.1M
Q4 2025-$6.2M+$5.3M
Q3 2025-$4.2M+$15.4M
Q1 2025-$12.5M+$2.1M
Q4 2024-$11.4M+$10.1M
Q3 2024-$19.6M+$5.4M
Q2 2024-$22.2M+$1.4M
Q1 2024-$14.6M+$11.7M

QTTB has burned cash in almost every quarter: โˆ’$20M over the past year, against โˆ’$66M 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 the edge over QTTB on shareholder dilution, with a more favorable share count trend.

QTTB Total Shares

Q4 2023: 3MQ1 2024: 2MQ2 2024: 12MQ3 2024: 12MQ1 2025: 12MQ2 2025: 12MQ3 2025: 12MQ4 2025: 12MQ1 2026: 14MQ2 2026: 20MQ3 2026: 34M
Q4 2023: 3MQ1 2024: 2MQ2 2024: 12MQ3 2024: 12MQ1 2025: 12MQ2 2025: 12MQ3 2025: 12MQ4 2025: 12MQ1 2026: 14MQ2 2026: 20MQ3 2026: 34M
PeriodChange %Net change
Quarterly+67%+13.7M shares
1 year+178%+21.8M shares
3 years+960%+30.8M shares
5 years+984%+30.9M shares
Available history+1354%+31.7M shares

QTTB has 34M diluted shares, up 178% from a year ago.

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.

QTTB Net Leverage

Q4 2025: -2.2xQ1 2026: -2.0xQ2 2026: -4.9xQ3 2026: -15.4x
Q4 2025: -2.2xQ1 2026: -2.0xQ2 2026: -4.9xQ3 2026: -15.4x
QuarterNet LeverageStatus
Q3 2026-15.4xNet Cash
Q2 2026-4.9xNet Cash
Q1 2026-2.0xNet Cash
Q4 2025-2.2xNet Cash

QTTB has the edge over OSCR on leverage, with a lower net debt burden relative to earnings.

OSCR Weekly Momentum

MetricValueStatus
RSI58.7Neutral
Stochastic44.9Neutral

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

QTTB Weekly Momentum

MetricValueStatus
RSI45.1Neutral
Stochastic17.7Oversold

QTTB's weekly RSI is 45 (neutral) and its Stochastic is 18 (oversold).

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.

QTTB PE vs Healthcare Sector

MetricQTTBSector medianRelative
PE2.6x26x90% below
PE %20299 pts below

QTTB has the edge over OSCR on valuation relative to its sector.

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

QTTB Weekly Moving Averages

Moving averageMA priceRelative
8 week MA$8.563% above
20 week MA$11.725% below
50 week MA$8.316.1% above
100 week MA$5.2967% above
200 week MA$14.338% below

QTTB's trend is mixed: it's above three of its five weekly moving averages, and 38% 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's yearly returns have swung widely, from +314% in 2023 to โˆ’74% in 2021. It's up 114% so far in 2026.

QTTB Yearly ROI

YearStart priceEnd priceROI
2020$388.6$227.7-41%
2021$227.7$74.5-67%
2022$74.5$21.4-71%
2023$21.4$10.9-49%
2024$10.9$3.36-69%
2025$3.36$3.20-4.8%
2026 YTD$3.20$8.82+176%

QTTB has the edge over OSCR on returns for 2026, with the stronger performance.

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