OSCR
Oscar Health, Inc.
OSCR has the edge over UFPT overall, supported by stronger fundamentals and stronger valuation.
UFPT
UFP Technologies, Inc.
UFPT has lower modeled downside risk, despite its lower overall score.
OSCR Fundamentals
| Metric | Status |
|---|---|
| Strong | |
| Healthy | |
| Strong | |
| Strong |
OSCR's revenue, profitability, cash flow and balance sheet are all currently healthy.
UFPT Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Healthy | |
| Stable | |
| Healthy |
UFPT's revenue, profitability and balance sheet are currently healthy, and its cash flow is stable.
OSCR PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Forward | 12x | $31.94 | — |
| Current | 13x | $31.94 | — |
| Cheap | 21x | $52.73 | +65% |
| Fair | 35x | $87.23 | +173% |
| Expensive | 130x | $322 | +907% |
Historical ranges are pointers, not guarantees.
OSCR has the edge over UFPT in the historical PE scenario, which offers more potential upside but is not a forecast.
UFPT PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 22x | $218 | -29% |
| Forward | 28x | $306 | — |
| Fair | 29x | $283 | -7.5% |
| Current | 31x | $306 | — |
| Expensive | 35x | $343 | +12% |
Historical ranges are pointers, not guarantees.
UFPT's PE is in its fair range at 31x. If earnings grow as analysts expect, today's price would be 28x next year's earnings.
OSCR Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Strong growth | |
| Strong growth | |
| Strongly improving | |
| Limited | |
| Moderate |
Analysts expect strong earnings and revenue growth for OSCR, with profitability improving.
UFPT Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Growth | |
| Improving | |
| Limited | |
| High |
Analysts expect earnings and revenue growth for UFPT, with profitability improving.
OSCR Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| 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.
UFPT Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $10.74 | +9.5% |
| Q3 2026 | $9.81 | +14% |
| Q2 2026 | $9.28 | +7.5% |
| Q1 2026 | $8.81 | +7.8% |
| Q4 2025 | $8.78 | +16% |
| Q3 2025 | $8.63 | +23% |
| Q2 2025 | $8.63 | +34% |
| Q1 2025 | $8.17 | +31% |
| Q4 2024 | $7.60 | +30% |
UFPT has the edge over OSCR on earnings, with more consistent year-over-year improvement.
OSCR Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| 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 UFPT on sales, with stronger typical year-over-year growth.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 3.5% | +7.8 points |
| Q2 2026 | 8% | +16 points |
| Q1 2026 | 15% | +5.4 points |
| Q4 2025 | -12% | -5.7 points |
| Q3 2025 | -4.3% | -2.3 points |
| Q2 2025 | -8.1% | -11 points |
| Q1 2025 | 9.8% | +1.1 points |
| Q4 2024 | -6.2% | +4 points |
OSCR's operating margin was 3.5% last quarter, up 7.8 points from the same quarter a year ago.
UFPT Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $172.4M | +12% |
| Q2 2026 | $174M | +15% |
| Q1 2026 | $154.2M | +4.1% |
| Q4 2025 | $148.9M | +3.4% |
| Q3 2025 | $154.6M | +6.5% |
| Q2 2025 | $151.2M | +37% |
| Q1 2025 | $148.1M | +41% |
| Q4 2024 | $144.1M | +42% |
UFPT's revenue has grown year over year for 23 quarters in a row: $172M last quarter, up 12% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 16% | +0.9 points |
| Q2 2026 | 16% | +0.1 points |
| Q1 2026 | 15% | -0.5 points |
| Q4 2025 | 14% | -1 points |
| Q3 2025 | 15% | -1.9 points |
| Q2 2025 | 16% | -0.2 points |
| Q1 2025 | 16% | +0.4 points |
| Q4 2024 | 15% | +2.9 points |
UFPT has the edge over OSCR on profitability, with a higher operating margin.
OSCR Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| 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 UFPT on cash flow, with more consistent year-over-year improvement.
UFPT Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $38.5M | +7.3% |
| Q2 2026 | $15.6M | -31% |
| Q1 2026 | $3.2M | -71% |
| Q4 2025 | $16.8M | -21% |
| Q3 2025 | $35.9M | +103% |
| Q2 2025 | $22.5M | +151% |
| Q1 2025 | $11M | +23% |
| Q4 2024 | $21.4M | +115% |
UFPT generated $74M in free cash flow over the past year, down 18% from the year before.
OSCR Total Shares
| Period | Change % | 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.
| Quarter | Spent |
|---|---|
| Q4 2020 | — |
| Q3 2020 | — |
| Q2 2020 | — |
| Q1 2020 | — |
UFPT Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.2% | +18K shares |
| 1 year | +0.3% | +26K shares |
| 3 years | +1.3% | +97K shares |
| 5 years | +2.8% | +209K shares |
| Available history | +3.9% | +290K shares |
UFPT has the edge over OSCR on shareholder dilution, with a more favorable share count trend.
OSCR Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -4.2x | Net Cash |
| Q2 2026 | -5.5x | Net Cash |
| Q1 2026 | -110.0x | Net Cash |
| Q1 2025 | -9.7x | Net Cash |
| Q4 2024 | -13.7x | Net Cash |
| Q3 2024 | -10.1x | Net Cash |
| Q2 2024 | -24.0x | Net Cash |
| Q1 2024 | -217.7x | Net Cash |
OSCR has more cash than debt.
UFPT Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q2 2025 | 1.3x | Healthy |
| Q1 2025 | 1.6x | Healthy |
| Q4 2024 | 1.8x | Healthy |
| Q3 2024 | 2.3x | Moderate |
| Q2 2024 | 0.3x | Very low |
| Q1 2024 | 0.3x | Very low |
| Q4 2023 | 0.4x | Very low |
| Q3 2023 | 0.6x | Very low |
UFPT's net debt is about 1.3 years of its operating earnings (EBITDA), up from less than a year a year ago.
OSCR Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 58.7 | Neutral |
| Stochastic | 44.9 | Neutral |
OSCR's weekly RSI is 59 (neutral) and its Stochastic is 45 (neutral).
UFPT Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 60.6 | Neutral |
| Stochastic | 49.5 | Neutral |
UFPT's weekly RSI is 61 (neutral) and its Stochastic is 50 (neutral).
OSCR PE vs Healthcare Sector
| Metric | OSCR | Sector median | Relative |
|---|---|---|---|
| PE | 13x | 26x | 50% below |
| PE % | 3 | 35 | 32 pts below |
OSCR has the edge over UFPT on valuation relative to its sector.
UFPT PE vs Healthcare Sector
| Metric | UFPT | Sector median | Relative |
|---|---|---|---|
| PE | 31x | 26x | 21% above |
| PE % | 65 | 29 | 36 pts above |
UFPT is trading at 31x earnings, a 21% premium to the Healthcare sector's median of 26x.
OSCR Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $31.2 | 2.3% above |
| 20 week MA | $31.1 | 2.8% above |
| 50 week MA | $22.9 | 39% above |
| 100 week MA | $19.3 | 65% above |
| 200 week MA | $15.5 | 106% above |
OSCR is in an uptrend: it's above all five of its weekly moving averages, and 106% above its 200-week average.
UFPT Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $295.8 | 3.4% above |
| 20 week MA | $284.9 | 7.4% above |
| 50 week MA | $248.9 | 23% above |
| 100 week MA | $237.2 | 29% above |
| 200 week MA | $223.1 | 37% above |
UFPT is in an uptrend: it's above all five of its weekly moving averages, and 37% above its 200-week average.
OSCR Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 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 UFPT on returns for 2026, with the stronger performance.
UFPT Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $48.7 | $46.2 | -5.2% |
| 2021 | $46.2 | $68.7 | +49% |
| 2022 | $68.7 | $115.5 | +68% |
| 2023 | $115.5 | $172.0 | +49% |
| 2024 | $172.0 | $247.0 | +44% |
| 2025 | $247.0 | $237.2 | -4% |
| 2026 YTD | $237.2 | $305.9 | +29% |
UFPT has finished higher in four of the last six years. It's up 29% so far in 2026.