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.

TARA

Protara Therapeutics, Inc.

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

OSCR Fundamentals

MetricStatus
Strong
Healthy
Strong
Strong

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

TARA Fundamentals

MetricStatus
Unavailable
Weak
Unavailable
Unavailable

TARA'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.

TARA PE Valuation

TARA 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.

TARA Forward outlook

MetricOutlook
--
Losses growing
--
--
Limited
Moderate

Analysts expect TARA's losses to grow, with revenue holding steady.

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 TARA's risk to reward.

TARA Risk to reward

ScenarioChangePrice
UpsideUnknownโ€”
DownsideUnknownโ€”

Calculated from the latest close: $2.44 on Nov 12.

There is not enough scenario data to compare OSCR and TARA'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 TARA on earnings quality, reporting a profit while its opponent remains loss making.

TARA Earnings Per Share

Q4 2023: $-3.57Q1 2024: $-3.74Q2 2024: $-3.19Q3 2024: $-2.82Q4 2024: $-2.17Q1 2025: $-1.49Q2 2025: $-1.39Q3 2025: $-1.20Q4 2025: $-1.34Q1 2026: $-1.36Q2 2026: $-1.37Q3 2026: $-1.41
Q4 2023: $-3.57Q1 2024: $-3.74Q2 2024: $-3.19Q3 2024: $-2.82Q4 2024: $-2.17Q1 2025: $-1.49Q2 2025: $-1.39Q3 2025: $-1.20Q4 2025: $-1.34Q1 2026: $-1.36Q2 2026: $-1.37Q3 2026: $-1.41
QuarterTTM EPSYoY
Q3 2026-$1.41-$0.21
Q2 2026-$1.37+$0.02
Q1 2026-$1.36+$0.13
Q4 2025-$1.34+$0.83
Q3 2025-$1.20+$1.62
Q2 2025-$1.39+$1.80
Q1 2025-$1.49+$2.25
Q4 2024-$2.17+$1.40

TARA is still losing money, but far less than before: $1.41 per share over the past year, against $30.15 at its worst in late 2019.

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.

TARA Quarterly Revenue

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

TARA 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 TARA at down 78%.

TARA Free Cash Flow

Q4 2023: โˆ’$9MQ1 2024: --Q2 2024: --Q3 2024: โˆ’$8MQ4 2024: โˆ’$9MQ1 2025: โˆ’$15MQ2 2025: โˆ’$12MQ3 2025: โˆ’$12MQ4 2025: โˆ’$17MQ1 2026: --Q2 2026: --Q3 2026: โˆ’$19M
Q4 2023: โˆ’$9MQ1 2024: --Q2 2024: --Q3 2024: โˆ’$8MQ4 2024: โˆ’$9MQ1 2025: โˆ’$15MQ2 2025: โˆ’$12MQ3 2025: โˆ’$12MQ4 2025: โˆ’$17MQ1 2026: --Q2 2026: --Q3 2026: โˆ’$19M
QuarterFree cash flowYoY
Q3 2026-$19.2M-$6.7M
Q4 2025-$17M-$7.7M
Q3 2025-$12.5M-$4M
Q4 2024-$9.3M-$608K
Q3 2024-$8.4M-$1.8M
Q4 2023-$8.7M-$3.7M
Q3 2023-$6.6M-$1.2M
Q2 2023-$9.4M-$4.3M

TARA has burned cash in almost every quarter: โˆ’$61M over the past year, against โˆ’$41M 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 TARA on shareholder dilution, with a more favorable share count trend.

TARA Total Shares

Q4 2023: 11MQ1 2024: 11MQ2 2024: 21MQ3 2024: 22MQ1 2025: 41MQ2 2025: 42MQ3 2025: 42MQ1 2026: 58MQ2 2026: 61MQ3 2026: 63M
Q4 2023: 11MQ1 2024: 11MQ2 2024: 21MQ3 2024: 22MQ1 2025: 41MQ2 2025: 42MQ3 2025: 42MQ1 2026: 58MQ2 2026: 61MQ3 2026: 63M
PeriodChange %Net change
Quarterly+3%+1.8M shares
1 year+49%+20.6M shares
3 years+456%+51.5M shares
5 years+460%+51.6M shares
Available history+12539%+62.4M shares

TARA has 63M diluted shares, up 49% 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.

TARA Net Leverage

TARA'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).

TARA Weekly Momentum

MetricValueStatus
RSI30.3Neutral
Stochastic12.5Oversold

TARA's weekly RSI is 30 (neutral) and its Stochastic is 12 (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.

TARA PE vs Healthcare Sector

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

TARA Weekly Moving Averages

Moving averageMA priceRelative
8 week MA$2.585.4% below
20 week MA$3.4028% below
50 week MA$4.5947% below
100 week MA$4.3644% below
200 week MA$3.4930% below

TARA is in a downtrend: it's below all five of its weekly moving averages, and 30% 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 TARA on returns for 2026, with the stronger performance.

TARA Yearly ROI

YearStart priceEnd priceROI
2020$14.4$23.2+61%
2021$23.2$6.90-70%
2022$6.90$2.77-60%
2023$2.77$1.88-32%
2024$1.88$5.51+193%
2025$5.51$5.55+0.7%
2026 YTD$5.55$2.44-56%

TARA's yearly returns have swung widely, from +193% in 2024 to โˆ’70% in 2021. It's down 56% so far in 2026.

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