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 −1.9% to 5.4%. Its PE isn't a useful guide right now because of how its recent earnings were reported.

QUCY

Mainz Biomed N.V.

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

OSCR Fundamentals

MetricStatus
Strong
Healthy
Strong
Strong

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

QUCY Fundamentals

MetricStatus
Unavailable
Weak
Unavailable
Unavailable

QUCY's profitability is currently weak. There isn't enough data to rate its revenue, cash flow and balance sheet.

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.

QUCY PE Valuation

QUCY 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

Analysts expect strong earnings and revenue growth for OSCR, with profitability improving.

QUCY Forward outlook

MetricOutlook
--
Losses shrinking
Strong decline
--
Limited
High

Analysts expect QUCY's losses to shrink, with revenue declining.

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 QUCY's risk to reward.

QUCY Risk to reward

ScenarioChangePrice
UpsideUnknown—
DownsideUnknown—

Calculated from the latest close: $0.56 on Nov 12.

There is not enough scenario data to compare OSCR and QUCY'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 returned to profit: it earned $2.47 per share over the past year, after losing money the year before.

QUCY Earnings Per Share

Q1 2026: $-1.70Q2 2026: $-1.94Q3 2026: $-1.57
Q1 2026: $-1.70Q2 2026: $-1.94Q3 2026: $-1.57

QUCY and OSCR do not have enough comparable growth data to identify a winner.

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.

QUCY Quarterly Revenue

Q4 2023: --Q1 2024: --Q2 2024: --Q3 2024: --Q4 2024: --Q1 2025: --Q2 2025: $286,717Q3 2025: $125,180Q4 2025: $125,180Q1 2026: --Q2 2026: --Q3 2026: $966,833
Q4 2023: --Q1 2024: --Q2 2024: --Q3 2024: --Q4 2024: --Q1 2025: --Q2 2025: $286,717Q3 2025: $125,180Q4 2025: $125,180Q1 2026: --Q2 2026: --Q3 2026: $966,833
QuarterRevenueYoY
Q3 2026$966.8K+672%

QUCY and OSCR do not have enough comparable growth data to identify a winner.

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 QUCY on cash generation, producing positive trailing cash flow while its opponent burns cash.

QUCY Free Cash Flow

Q4 2023: −$5MQ1 2024: −$4MQ2 2024: −$4MQ3 2024: −$5MQ4 2024: −$5MQ1 2025: −$4MQ2 2025: −$3MQ3 2025: −$2MQ4 2025: −$2MQ1 2026: −$3MQ2 2026: −$7MQ3 2026: −$4M
Q4 2023: −$5MQ1 2024: −$4MQ2 2024: −$4MQ3 2024: −$5MQ4 2024: −$5MQ1 2025: −$4MQ2 2025: −$3MQ3 2025: −$2MQ4 2025: −$2MQ1 2026: −$3MQ2 2026: −$7MQ3 2026: −$4M
QuarterFree cash flowYoY
Q3 2026-$4.3M-$2M
Q2 2026-$7.3M-$4.5M
Q1 2026-$2.7M+$1.4M
Q4 2025-$2.2M+$2.4M
Q3 2025-$2.2M+$2.4M
Q2 2025-$2.8M+$1.3M
Q1 2025-$4.1M-$10.6K
Q4 2024-$4.6M+$232.6K

QUCY has burned cash in almost every quarter: −$17M over the past year, against −$14M 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 QUCY on shareholder dilution, with a more favorable share count trend.

QUCY Total Shares

Q2 2025: 9MQ3 2025: 9MQ4 2025: 9MQ1 2026: 12MQ2 2026: 18MQ3 2026: 64M
Q2 2025: 9MQ3 2025: 9MQ4 2025: 9MQ1 2026: 12MQ2 2026: 18MQ3 2026: 64M
PeriodChange %Net change
Quarterly+257%+45.8M shares
1 year+620%+54.8M shares

QUCY has 64M diluted shares, up 620% 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.

QUCY Net Leverage

QUCY's operating earnings (EBITDA) were negative over the past year, so its debt can't be measured against them.

OSCR Weekly Momentum

MetricValueStatus
RSI58.7Neutral
Stochastic44.9Neutral

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

QUCY Weekly Momentum

MetricValueStatus
RSI35.1Neutral
Stochastic3.7Oversold

QUCY's weekly RSI is 35 (neutral) and its Stochastic is 4 (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.

QUCY PE vs Healthcare Sector

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

QUCY Weekly Moving Averages

Moving averageMA priceRelative
8 week MA$1.0346% below
20 week MA$1.2254% below
50 week MA$1.2053% below
100 week MA$2.0473% below
200 week MA$48.999% below

QUCY is in a downtrend: it's below all five of its weekly moving averages, and 99% 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 QUCY on returns for 2026, with the stronger performance.

QUCY Yearly ROI

YearStart priceEnd priceROI
2021$399.6$417.6+4.5%
2022$417.6$286.8-31%
2023$286.8$46.4-84%
2024$46.4$4.60-90%
2025$4.60$1.27-72%
2026 YTD$1.27$0.56-56%

QUCY has finished four years in a row lower, and it's down 56% so far in 2026.

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