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.
UPC
Universe Pharmaceuticals Inc.
There isn't enough reported data to score UPC yet.
OSCR Fundamentals
| Metric | Status |
|---|---|
| Strong | |
| Healthy | |
| Strong | |
| Strong |
OSCR's revenue, profitability, cash flow and balance sheet are all currently healthy.
UPC Fundamentals
| Metric | Status |
|---|---|
| Unavailable | |
| Weak | |
| Unavailable | |
| Strong |
UPC's balance sheet is currently strong, but its profitability is weak. There isn't enough data to rate its revenue and cash flow.
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.
UPC PE Valuation
UPC 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.
UPC Forward outlook
There aren't enough analyst estimates for UPC to show an outlook.
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 UPC in the latest year-over-year earnings comparison.
UPC Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Q1 2024 | -$3,054.00 | -$1,206.00 |
| Q3 2023 | -$1,020.00 | +$420.00 |
| Q3 2022 | -$1,440.00 | -167% |
UPC has swung to a loss: it lost $3,054.00 per share over the past year, after a profit 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 UPC in the latest year-over-year revenue comparison.
| 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.
UPC Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2024 | $23M | +66% |
| Q1 2024 | $12.9M | -30% |
| Q3 2023 | $13.8M | -13% |
| Q1 2023 | $18.5M | -24% |
| Q3 2022 | $15.9M | -67% |
| Q3 2021 | $48M | +213% |
| Q3 2020 | $15.4M | -7.6% |
| Q1 2020 | $15.4M | +85% |
UPC's revenue is recovering but still below its 2021 peak: $23M last quarter, up 44% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2024 | -35% | +36 points |
| Q1 2024 | -14% | -25 points |
| Q3 2023 | -27% | -55 points |
| Q1 2023 | 0.8% | -33 points |
| Q3 2022 | -71% | -105 points |
| Q1 2022 | 11% | -18 points |
| Q3 2021 | 28% | -1 points |
| Q3 2020 | 34% | -0.2 points |
UPC's operating margin was −35% last quarter, up 36 points from the same quarter a year ago, near the bottom of its range since 2018.
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.
UPC Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2024 | -$9.7M | -$6M |
| Q1 2024 | -$2.5M | -151% |
| Q3 2023 | -$3.7M | +$3.7M |
| Q1 2023 | $4.8M | -21% |
| Q3 2022 | -$7.5M | -$5M |
| Q3 2021 | -$2.5M | -182% |
| Q3 2020 | $3M | -54% |
| Q1 2020 | $3M | -7.6% |
UPC's free cash flow was −$11M over the past year, against −$874,723 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 | — |
UPC Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.6% | +35 shares |
| 1 year | +0.6% | +35 shares |
UPC has the edge over OSCR on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2020 | — |
| Q1 2020 | — |
| Q3 2019 | — |
| Q1 2019 | — |
| Q3 2018 | — |
| Q1 2018 | — |
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.
UPC Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2021 | -0.3x | Net Cash |
UPC has more cash than debt.
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).
UPC Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 35.5 | Neutral |
| Stochastic | 1.6 | Oversold |
UPC's weekly RSI is 36 (neutral) and its Stochastic is 2 (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.
UPC PE vs Healthcare Sector
| Metric | UPC | Sector median | Relative |
|---|---|---|---|
| PE | N/A | 26x | — |
UPC 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 the edge over UPC on trend strength, trading above more of its moving averages.
UPC Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $3.26 | 53% below |
| 20 week MA | $4.17 | 63% below |
| 50 week MA | $3.71 | 59% below |
| 100 week MA | $5.34 | 71% below |
| 200 week MA | $665.0 | 100% below |
UPC is in a downtrend: it's below all five of its weekly moving averages, and 100% below 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 UPC on returns for 2026, with the stronger performance.
UPC Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2021 | $14,616.0 | $5,940.0 | -59% |
| 2022 | $5,940.0 | $5,796.0 | -2.4% |
| 2023 | $5,796.0 | $1,206.0 | -79% |
| 2024 | $1,206.0 | $24.9 | -98% |
| 2025 | $24.9 | $5.62 | -77% |
| 2026 YTD | $5.62 | $1.53 | -73% |
UPC has finished every year since 2021 lower, and it's down 73% so far in 2026.