OSCR
Oscar Health, Inc.
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.
UPB
Upstream Bio, Inc.
There isn't enough reported data to score UPB yet.
OSCR Fundamentals
| Metric | Status |
|---|---|
| Strong | |
| Healthy | |
| Strong | |
| Strong |
OSCR's revenue, profitability, cash flow and balance sheet are all currently healthy.
UPB Fundamentals
| Metric | Status |
|---|---|
| Under pressure | |
| Weak | |
| Unavailable | |
| Unavailable |
UPB's revenue and profitability are currently under pressure. There isn't enough data to rate its cash flow and balance sheet.
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's PE is 13x, but its earnings don't support one, so it isn't a reliable read right now.
UPB PE Valuation
UPB has no meaningful PE right now: it lost money over the past year.
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.
UPB Forward outlook
| Metric | Outlook |
|---|---|
| -- | |
| Losses steady | |
| Strong decline | |
| -- | |
| Limited | |
| Low |
Analysts expect UPB's revenue to decline, with its earnings and profitability holding steady. However, they disagree widely on these estimates.
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 the edge over UPB in the latest year-over-year earnings comparison.
UPB Earnings Per Share
UPB lost $3.01 per share over the past year, a bigger loss than the year before.
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 UPB on sales, with more consistent year-over-year improvement.
| 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 has the edge over UPB on profitability, with a higher operating margin.
UPB Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $395K | -42% |
| Q2 2026 | $773K | -18% |
| Q1 2026 | $1M | +83% |
| Q4 2025 | $668K | +9% |
| Q3 2025 | $683K | +13% |
| Q2 2025 | $937K | +84% |
| Q1 2025 | $566K | -12% |
| Q4 2024 | $613K | +36% |
UPB's revenue has held roughly level: $395,000 last quarter, down 42% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | -10982% | -5443 points |
| Q2 2026 | -5481% | -748 points |
| Q1 2026 | -4218% | +1438 points |
| Q4 2025 | -6911% | -2618 points |
| Q3 2025 | -5539% | -2427 points |
| Q2 2025 | -4733% | -1294 points |
| Q1 2025 | -5656% | -3310 points |
| Q4 2024 | -4293% | -1109 points |
UPB's operating margin was −10982% last quarter, down 5443 points from the same quarter a year ago, near the bottom of its range since 2023.
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 usually generates cash, though not every quarter: the latest was −$1.2B, but it generated $4.1B over the past year.
UPB Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | -$54.2M | -$31.9M |
| Q1 2026 | -$47.9M | -$6.7M |
| Q4 2025 | -$30.7M | -$10.9M |
| Q1 2025 | -$41.2M | -$23.6M |
| Q4 2024 | -$19.8M | -$3.7M |
UPB has burned cash in almost every quarter: −$155M over the past year, against −$87M 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 | — |
UPB Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.4% | +215K shares |
| 1 year | +1.6% | +852K shares |
UPB has the edge over OSCR on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q2 2024 | — |
| Q1 2024 | — |
| Q4 2023 | — |
| Q3 2023 | — |
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.
UPB Net Leverage
UPB's operating earnings (EBITDA) were negative over the past year, so its debt can't be measured against them.
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).
UPB Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 27.1 | Oversold |
| Stochastic | 9.7 | Oversold |
UPB's weekly RSI is 27 (oversold) and its Stochastic is 10 (oversold).
OSCR PE vs Healthcare Sector
| Metric | OSCR | Sector median | Relative |
|---|---|---|---|
| PE | 13x | 26x | 50% below |
| PE % | 3 | 35 | 32 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.
UPB PE vs Healthcare Sector
UPB has no meaningful PE right now: it lost money over the past year.
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 has stronger trend alignment. OSCR is above 5 of 5 weekly averages versus UPB above 0 of 4.
UPB Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $3.76 | 24% below |
| 20 week MA | $5.50 | 48% below |
| 50 week MA | $11.4 | 75% below |
| 100 week MA | $12.6 | 77% below |
UPB is in a downtrend: it's below all four of its weekly moving averages, and 77% below its 100-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 UPB on returns for 2026, with the stronger performance.
UPB Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2024 | $22.0 | $19.2 | -13% |
| 2025 | $19.2 | $29.5 | +54% |
| 2026 YTD | $29.5 | $2.86 | -90% |
UPB has finished lower in one of the last two years. It's down 90% so far in 2026.