OSCR

Oscar Health, Inc.

69
Fundamentals85/ 100
Valuation50/ 100
Upside potential61/ 100
Risk potential35/ 100

OSCR has the edge over UBER overall, supported by stronger modeled upside and stronger valuation.

UBER

Uber Technologies, Inc.

60
Fundamentals67/ 100
Valuation29/ 100
Upside potential17/ 100
Risk potential49/ 100

UBER's outlook is improving, though it still trails on the overall score.

OSCR Fundamentals

MetricStatus
Strong
Healthy
Strong
Strong

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

UBER Fundamentals

MetricStatus
Stable
Stable
Strong
Healthy

UBER's cash flow and balance sheet are currently healthy, and its revenue and profitability are stable.

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

UBER PE Valuation

CHEAPFAIREXPENSIVE33x67x100x134x
CHEAPFAIREXPENSIVE33x67x100x134x
LevelPEPriceVs current
Cheap15x$26.01-62%
Fair17x$29.70-57%
Forward17x$69.12—
Current40x$69.12—
Expensive93x$160+131%

Historical ranges are pointers, not guarantees.

UBER's PE is in its expensive range at 40x. If earnings grow as analysts expect, today's price would be 17x next year's earnings, in its fair range.

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.

UBER Forward outlook

MetricOutlook
Strongly improving
Strong growth
Growth
Improving
Moderate
Moderate

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

OSCR Risk to reward

ScenarioChangePrice
Upside+55%$49.45
Downside-35%$20.78

Calculated from the latest close: $31.94 on Nov 12.

OSCR has a better modeled risk to reward balance than UBER, with more potential upside and less potential downside.

UBER Risk to reward

ScenarioChangePrice
Upside+10%$75.80
Downside-49%$35.31

Calculated from the latest close: $69.12 on Nov 12.

UBER trails OSCR on modeled risk to reward, with less potential upside and more potential downside.

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.

UBER Earnings Per Share

Q4 2023: $0.87Q1 2024: $0.63Q2 2024: $0.92Q3 2024: $2.02Q4 2024: $4.56Q1 2025: $5.71Q2 2025: $5.87Q3 2025: $7.78Q4 2025: $4.73Q1 2026: $4.03Q2 2026: $4.57Q3 2026: $1.71Forward: $4.07
Q4 2023: $0.87Q1 2024: $0.63Q2 2024: $0.92Q3 2024: $2.02Q4 2024: $4.56Q1 2025: $5.71Q2 2025: $5.87Q3 2025: $7.78Q4 2025: $4.73Q1 2026: $4.03Q2 2026: $4.57Q3 2026: $1.71Forward: $4.07
QuarterTTM EPSYoY
Forward$4.07+138%
Q3 2026$1.71-78%
Q2 2026$4.57-22%
Q1 2026$4.03-29%
Q4 2025$4.73+3.7%
Q3 2025$7.78+285%
Q2 2025$5.87+538%
Q1 2025$5.71+806%
Q4 2024$4.56+424%

UBER has the edge over OSCR on earnings, with more consistent year-over-year improvement.

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 has the edge over UBER on sales, with stronger typical year-over-year growth.

UBER Quarterly Revenue

Q4 2023: $9.9BQ1 2024: $10.1BQ2 2024: $10.7BQ3 2024: $11.2BQ4 2024: $12BQ1 2025: $11.5BQ2 2025: $12.7BQ3 2025: $13.5BQ4 2025: $14.4BQ1 2026: $13.2BQ2 2026: $14.2BQ3 2026: $14.8B
Q4 2023: $9.9BQ1 2024: $10.1BQ2 2024: $10.7BQ3 2024: $11.2BQ4 2024: $12BQ1 2025: $11.5BQ2 2025: $12.7BQ3 2025: $13.5BQ4 2025: $14.4BQ1 2026: $13.2BQ2 2026: $14.2BQ3 2026: $14.8B
QuarterRevenueYoY
Q3 2026$14.8B+9.6%
Q2 2026$14.2B+12%
Q1 2026$13.2B+14%
Q4 2025$14.4B+20%
Q3 2025$13.5B+20%
Q2 2025$12.7B+18%
Q1 2025$11.5B+14%
Q4 2024$12B+20%

UBER's revenue has grown year over year for 22 quarters in a row: $14.8B last quarter, up 9.6% from the same quarter a year ago.

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 usually generates cash, though not every quarter: the latest was −$1.2B, but it generated $4.1B over the past year.

UBER Free Cash Flow

Q4 2023: $768MQ1 2024: $1.4BQ2 2024: $1.7BQ3 2024: $2.1BQ4 2024: $1.7BQ1 2025: $2.3BQ2 2025: $2.5BQ3 2025: $2.2BQ4 2025: $2.8BQ1 2026: $2.3BQ2 2026: $2.8BQ3 2026: $2.5B
Q4 2023: $768MQ1 2024: $1.4BQ2 2024: $1.7BQ3 2024: $2.1BQ4 2024: $1.7BQ1 2025: $2.3BQ2 2025: $2.5BQ3 2025: $2.2BQ4 2025: $2.8BQ1 2026: $2.3BQ2 2026: $2.8BQ3 2026: $2.5B
QuarterFree cash flowYoY
Q3 2026$2.5B+14%
Q2 2026$2.8B+13%
Q1 2026$2.3B+1.6%
Q4 2025$2.8B+65%
Q3 2025$2.2B+5.7%
Q2 2025$2.5B+44%
Q1 2025$2.3B+66%
Q4 2024$1.7B+122%

UBER has the edge over OSCR on cash flow, with more consistent year-over-year improvement.

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 346M diluted shares, up 34% from a year ago.

UBER Total Shares

Q4 2023: 2.1BQ1 2024: 2.1BQ2 2024: 2.2BQ3 2024: 2.2BQ4 2024: 2.2BQ1 2025: 2.1BQ2 2025: 2.1BQ3 2025: 2.1BQ4 2025: 2.1BQ1 2026: 2.1BQ2 2026: 2.1BQ3 2026: 2.1B
Q4 2023: 2.1BQ1 2024: 2.1BQ2 2024: 2.2BQ3 2024: 2.2BQ4 2024: 2.2BQ1 2025: 2.1BQ2 2025: 2.1BQ3 2025: 2.1BQ4 2025: 2.1BQ1 2026: 2.1BQ2 2026: 2.1BQ3 2026: 2.1B
PeriodChange %Net change
Quarterly0%+99K shares
1 year-3.5%-74.1M shares
3 years-2.8%-58.2M shares
5 years+8%+151M shares
Available history+19%+326M shares

UBER has the edge over OSCR on shareholder dilution, with a more favorable share count trend.

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

UBER Net Leverage

Q4 2023: 2.5xQ1 2024: 1.9xQ2 2024: 1.8xQ3 2024: 1.6xQ4 2024: 1.0xQ1 2025: 1.0xQ2 2025: 0.8xQ3 2025: 0.6xQ4 2025: 0.5xQ1 2026: 0.7xQ2 2026: 1.1xQ3 2026: 0.8x
Q4 2023: 2.5xQ1 2024: 1.9xQ2 2024: 1.8xQ3 2024: 1.6xQ4 2024: 1.0xQ1 2025: 1.0xQ2 2025: 0.8xQ3 2025: 0.6xQ4 2025: 0.5xQ1 2026: 0.7xQ2 2026: 1.1xQ3 2026: 0.8x
QuarterNet LeverageStatus
Q3 20260.8xVery low
Q2 20261.1xHealthy
Q1 20260.7xVery low
Q4 20250.5xVery low
Q3 20250.6xVery low
Q2 20250.8xVery low
Q1 20251.0xVery low
Q4 20241.0xHealthy

UBER's net debt is less than a year of its operating earnings (EBITDA).

OSCR Weekly Momentum

MetricValueStatus
RSI58.7Neutral
Stochastic44.9Neutral

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

UBER Weekly Momentum

MetricValueStatus
RSI45.3Neutral
Stochastic19.7Oversold

UBER's weekly RSI is 45 (neutral) and its Stochastic is 20 (oversold).

OSCR PE vs Healthcare Sector

MetricOSCRSector medianRelative
PE13x26x50% below
PE %33532 pts below

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

UBER PE vs Technology Sector

MetricUBERSector medianRelative
PE40x28x45% above
PE %683533 pts above

UBER is trading at 40x earnings, a 45% premium to the Technology sector's median of 28x.

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

UBER Weekly Moving Averages

Moving averageMA priceRelative
8 week MA$68.70.7% above
20 week MA$71.73.6% below
50 week MA$74.47.1% below
100 week MA$78.912% below
200 week MA$67.91.8% above

UBER's trend is mixed: it's above two of its five weekly moving averages, and 1.8% above 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 UBER on returns for 2026, with the stronger performance.

UBER Yearly ROI

YearStart priceEnd priceROI
2020$30.2$52.9+75%
2021$52.9$43.9-17%
2022$43.9$24.6-44%
2023$24.6$61.6+150%
2024$61.6$61.1-0.7%
2025$61.1$81.3+33%
2026 YTD$81.3$69.1-15%

UBER's yearly returns have swung widely, from +150% in 2023 to −44% in 2022. It's down 15% so far in 2026.

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