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.

VIR

Vir Biotechnology, Inc.

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

OSCR Fundamentals

MetricStatus
Strong
Healthy
Strong
Strong

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

VIR Fundamentals

MetricStatus
Strong
Weak
Under pressure
Strong

VIR's revenue and balance sheet are currently strong, but its profitability and cash flow are under pressure.

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.

VIR PE Valuation

VIR 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.

VIR Forward outlook

MetricOutlook
--
Losses growing
Strong decline
--
Limited
Low

Analysts expect VIR's losses to grow, with revenue declining. However, they disagree widely on these estimates.

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 VIR's risk to reward.

VIR Risk to reward

ScenarioChangePrice
UpsideUnknownโ€”
DownsideUnknownโ€”

Calculated from the latest close: $12.12 on Nov 12.

There is not enough scenario data to compare OSCR and VIR'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 returned to profit: it earned $2.47 per share over the past year, after losing money the year before.

VIR Earnings Per Share

Q3 2025: $-3.62Q4 2025: $-3.16Q1 2026: $-3.13Q2 2026: $-1.86
Q3 2025: $-3.62Q4 2025: $-3.16Q1 2026: $-3.13Q2 2026: $-1.86

VIR and OSCR do not have enough comparable growth data to identify a winner.

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 VIR on sales, with more consistent year-over-year improvement.

VIR Quarterly Revenue

Q3 2023: $3MQ4 2023: $17MQ1 2024: $56MQ2 2024: $3MQ3 2024: $2MQ4 2024: $12MQ1 2025: $3MQ2 2025: $1MQ3 2025: $240,000Q4 2025: $64MQ1 2026: โˆ’$29,000Q2 2026: $239M
Q3 2023: $3MQ4 2023: $17MQ1 2024: $56MQ2 2024: $3MQ3 2024: $2MQ4 2024: $12MQ1 2025: $3MQ2 2025: $1MQ3 2025: $240,000Q4 2025: $64MQ1 2026: โˆ’$29,000Q2 2026: $239M
QuarterRevenueYoY
Q2 2026$238.9M+19583%
Q4 2025$64.1M+418%
Q3 2025$240K-90%
Q2 2025$1.2M-61%
Q1 2025$3M-95%
Q4 2024$12.4M-26%
Q3 2024$2.4M-9.8%
Q2 2024$3.1M-19%

VIR's revenue is recovering but still below its 2022 peak: $239M last quarter, up 19583% from the same quarter a year ago.

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 edge over VIR on cash generation, producing positive trailing cash flow while its opponent burns cash.

VIR Free Cash Flow

Q3 2023: โˆ’$160MQ4 2023: โˆ’$109MQ1 2024: โˆ’$111MQ2 2024: โˆ’$79MQ3 2024: โˆ’$174MQ4 2024: โˆ’$90MQ1 2025: โˆ’$80MQ2 2025: โˆ’$123MQ3 2025: โˆ’$168MQ4 2025: โˆ’$26MQ1 2026: โˆ’$133MQ2 2026: $123M
Q3 2023: โˆ’$160MQ4 2023: โˆ’$109MQ1 2024: โˆ’$111MQ2 2024: โˆ’$79MQ3 2024: โˆ’$174MQ4 2024: โˆ’$90MQ1 2025: โˆ’$80MQ2 2025: โˆ’$123MQ3 2025: โˆ’$168MQ4 2025: โˆ’$26MQ1 2026: โˆ’$133MQ2 2026: $123M
QuarterFree cash flowYoY
Q2 2026$123.3M+$246.1M
Q1 2026-$132.8M-$53M
Q4 2025-$26.2M+$63.8M
Q3 2025-$167.9M+$5.9M
Q2 2025-$122.8M-$44.2M
Q1 2025-$79.7M+$31.5M
Q4 2024-$90M+$19.4M
Q3 2024-$173.8M-$14.3M

VIR has burned cash in most quarters: โˆ’$204M over the past year, against โˆ’$466M 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 346M diluted shares, up 34% from a year ago.

VIR Total Shares

Q3 2023: 134MQ4 2023: 134MQ1 2024: 135MQ2 2024: 136MQ3 2024: 137MQ4 2024: 136MQ1 2025: 137MQ2 2025: 138MQ3 2025: 139MQ4 2025: 139MQ1 2026: 147MQ2 2026: 169M
Q3 2023: 134MQ4 2023: 134MQ1 2024: 135MQ2 2024: 136MQ3 2024: 137MQ4 2024: 136MQ1 2025: 137MQ2 2025: 138MQ3 2025: 139MQ4 2025: 139MQ1 2026: 147MQ2 2026: 169M
PeriodChange %Net change
Quarterly+15%+21.5M shares
1 year+22%+30.4M shares
3 years+26%+34.8M shares
5 years+26%+35.1M shares
Available history+56%+60.5M shares

VIR 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 more cash than debt.

VIR Net Leverage

QuarterNet LeverageStatus
Q4 2022-1.0xNet Cash
Q3 2022-0.6xNet Cash
Q2 2022-1.1xNet Cash
Q1 2022-0.5xNet Cash
Q4 2021-0.8xNet Cash

VIR has more cash than debt.

OSCR Weekly Momentum

MetricValueStatus
RSI58.7Neutral
Stochastic44.9Neutral

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

VIR Weekly Momentum

MetricValueStatus
RSI63.2Neutral
Stochastic76.5Neutral

VIR's weekly RSI is 63 (neutral) and its Stochastic is 76 (neutral).

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.

VIR PE vs Healthcare Sector

MetricVIRSector medianRelative
PEN/A26xโ€”

VIR 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 is in an uptrend: it's above all five of its weekly moving averages, and 106% above its 200-week average.

VIR Weekly Moving Averages

Moving averageMA priceRelative
8 week MA$11.28.1% above
20 week MA$10.417% above
50 week MA$9.1233% above
100 week MA$7.7556% above
200 week MA$10.713% above

VIR has climbed back above all five of its weekly moving averages, and it's now 13% 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 VIR on returns for 2026, with the stronger performance.

VIR Yearly ROI

YearStart priceEnd priceROI
2020$12.4$29.5+139%
2021$29.5$41.8+41%
2022$41.8$25.7-38%
2023$25.7$10.1-61%
2024$10.1$7.47-26%
2025$7.47$6.00-20%
2026 YTD$6.00$12.1+102%

VIR has finished four years in a row lower, and it's up 102% so far in 2026.

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