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.

RNAZ

TransCode Therapeutics, Inc.

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

OSCR Fundamentals

MetricStatus
Strong
Healthy
Strong
Strong

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

RNAZ Fundamentals

MetricStatus
Unavailable
Weak
Unavailable
Unavailable

RNAZ'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$31.94โ€”
Current13x$31.94โ€”
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.

RNAZ PE Valuation

RNAZ 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.

RNAZ Forward outlook

There aren't enough analyst estimates for RNAZ 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 RNAZ's risk to reward.

RNAZ Risk to reward

ScenarioChangePrice
UpsideUnknownโ€”
DownsideUnknownโ€”

Calculated from the latest close: $1.39 on Nov 12.

There is not enough scenario data to compare OSCR and RNAZ'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 edge over RNAZ in the latest year-over-year earnings comparison.

RNAZ Earnings Per Share

Q3 2023: $-715,915.20Q4 2024: $-1,804.47
Q3 2023: $-715,915.20Q4 2024: $-1,804.47

RNAZ lost $1,804.47 per share over the past year, a smaller 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'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.

RNAZ Quarterly Revenue

Q3 2023: --Q4 2023: --Q1 2024: --Q2 2024: --Q3 2024: --Q4 2024: --Q1 2025: --Q2 2025: --Q3 2025: --Q4 2025: --Q1 2026: --Q2 2026: --
Q3 2023: --Q4 2023: --Q1 2024: --Q2 2024: --Q3 2024: --Q4 2024: --Q1 2025: --Q2 2025: --Q3 2025: --Q4 2025: --Q1 2026: --Q2 2026: --

RNAZ 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: 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 RNAZ at down 34%.

RNAZ Free Cash Flow

Q3 2023: โˆ’$4MQ4 2023: โˆ’$6MQ1 2024: โˆ’$4MQ2 2024: โˆ’$2MQ3 2024: โˆ’$4MQ4 2024: โˆ’$3MQ1 2025: --Q2 2025: --Q3 2025: --Q4 2025: โˆ’$8MQ1 2026: โˆ’$5MQ2 2026: โˆ’$5M
Q3 2023: โˆ’$4MQ4 2023: โˆ’$6MQ1 2024: โˆ’$4MQ2 2024: โˆ’$2MQ3 2024: โˆ’$4MQ4 2024: โˆ’$3MQ1 2025: --Q2 2025: --Q3 2025: --Q4 2025: โˆ’$8MQ1 2026: โˆ’$5MQ2 2026: โˆ’$5M
QuarterFree cash flowYoY
Q4 2025-$8.1M-$5M
Q4 2024-$3.1M+$2.5M
Q3 2024-$3.9M-$415.1K
Q2 2024-$2.3M+$2.1M
Q1 2024-$3.9M+$585.4K
Q4 2023-$5.7M-$1.6M
Q3 2023-$3.5M+$911.6K
Q2 2023-$4.4M-$995.6K

RNAZ has burned cash in almost every quarter: โˆ’$22M over the past year, against โˆ’$16M 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 RNAZ on shareholder dilution, with a more favorable share count trend.

RNAZ Total Shares

Q3 2023: 85Q1 2024: 5,565Q2 2024: 7,631Q3 2024: 15,893Q4 2024: 12,718
Q3 2023: 85Q1 2024: 5,565Q2 2024: 7,631Q3 2024: 15,893Q4 2024: 12,718
PeriodChange %Net change
Quarterly-20%-3.2K shares
1 year+14862%+12.6K shares
3 years+181586%+12.7K shares

RNAZ has 12,718 diluted shares, up 14862% 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.

RNAZ Net Leverage

RNAZ'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).

RNAZ Weekly Momentum

MetricValueStatus
RSI28.8Oversold
Stochastic1.9Oversold

RNAZ's weekly RSI is 29 (oversold) and its Stochastic is 2 (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.

RNAZ PE vs Healthcare Sector

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

RNAZ Weekly Moving Averages

Moving averageMA priceRelative
8 week MA$1.6415% below
20 week MA$3.3659% below
50 week MA$6.1277% below
100 week MA$19.793% below
200 week MA$25,683.4100% below

RNAZ is in a downtrend: it's below all five of its weekly moving averages, and 100% 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 RNAZ on returns for 2026, with the stronger performance.

RNAZ Yearly ROI

YearStart priceEnd priceROI
2021$2,735,040.0$1,389,696.0-49%
2022$1,389,696.0$187,002.8-87%
2023$187,002.8$4,264.8-98%
2024$4,264.8$72.0-98%
2025$72.0$6.96-90%
2026 YTD$6.96$1.39-80%

RNAZ has finished every year since 2021 lower, and it's down 80% so far in 2026.

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