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.

VIVS

VivoSim Labs, Inc.

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

OSCR Fundamentals

MetricStatus
Strong
Healthy
Strong
Strong

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

VIVS Fundamentals

MetricStatus
Stable
Weak
Weak
Unavailable

VIVS's revenue is currently stable, but its profitability and cash flow are weak. There isn't enough data to rate its balance sheet.

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.

VIVS PE Valuation

VIVS 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.

VIVS Forward outlook

There aren't enough analyst estimates for VIVS to show an outlook.

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 VIVS's risk to reward.

VIVS Risk to reward

ScenarioChangePrice
UpsideUnknownโ€”
DownsideUnknownโ€”

Calculated from the latest close: $0.14 on Nov 12.

There is not enough scenario data to compare OSCR and VIVS'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 the edge over VIVS on earnings quality, reporting a profit while its opponent remains loss making.

VIVS Earnings Per Share

Q4 2023: $-26.16Q1 2024: $-19.20Q2 2024: $-16.44Q3 2024: $-12.60Q4 2024: $-10.08Q1 2025: $-1.70Q2 2025: $-0.08Q3 2025: $0.62Q4 2025: $1.87Q1 2026: $-5.35Q2 2026: $-4.46Q3 2026: $-3.51
Q4 2023: $-26.16Q1 2024: $-19.20Q2 2024: $-16.44Q3 2024: $-12.60Q4 2024: $-10.08Q1 2025: $-1.70Q2 2025: $-0.08Q3 2025: $0.62Q4 2025: $1.87Q1 2026: $-5.35Q2 2026: $-4.46Q3 2026: $-3.51
QuarterTTM EPSYoY
Q3 2026-$3.51-666%
Q2 2026-$4.46-$4.38
Q1 2026-$5.35-$3.65
Q4 2025$1.87+$11.95
Q3 2025$0.62+$13.22
Q2 2025-$0.08+$16.36
Q1 2025-$1.70+$17.50
Q4 2024-$10.08+$16.08

VIVS has swung to a loss: it lost $3.51 per share over the past year, after a profit the year before.

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

VIVS Quarterly Revenue

Q4 2023: $5,000Q1 2024: $29,000Q2 2024: $39,000Q3 2024: $30,000Q4 2024: $24,000Q1 2025: $51,000Q2 2025: $37,000Q3 2025: $28,000Q4 2025: $26,000Q1 2026: $40,000Q2 2026: $18,000Q3 2026: $51,000
Q4 2023: $5,000Q1 2024: $29,000Q2 2024: $39,000Q3 2024: $30,000Q4 2024: $24,000Q1 2025: $51,000Q2 2025: $37,000Q3 2025: $28,000Q4 2025: $26,000Q1 2026: $40,000Q2 2026: $18,000Q3 2026: $51,000
QuarterRevenueYoY
Q3 2026$51K+82%
Q2 2026$18K-51%
Q1 2026$40K-22%
Q4 2025$26K+8.3%
Q3 2025$28K-6.7%
Q2 2025$37K-5.1%
Q1 2025$51K+76%
Q4 2024$24K+380%

VIVS's revenue is recovering but still below its 2019 peak: $51,000 last quarter, up 82% 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 stronger cash trend. Its trailing FCF is up 545% versus its history, compared with VIVS at up 15%.

VIVS Free Cash Flow

Q4 2023: โˆ’$4MQ1 2024: โˆ’$3MQ2 2024: โˆ’$3MQ3 2024: โˆ’$3MQ4 2024: โˆ’$2MQ1 2025: โˆ’$2MQ2 2025: โˆ’$4MQ3 2025: --Q4 2025: โˆ’$2MQ1 2026: โˆ’$2MQ2 2026: โˆ’$3MQ3 2026: โˆ’$3M
Q4 2023: โˆ’$4MQ1 2024: โˆ’$3MQ2 2024: โˆ’$3MQ3 2024: โˆ’$3MQ4 2024: โˆ’$2MQ1 2025: โˆ’$2MQ2 2025: โˆ’$4MQ3 2025: --Q4 2025: โˆ’$2MQ1 2026: โˆ’$2MQ2 2026: โˆ’$3MQ3 2026: โˆ’$3M
QuarterFree cash flowYoY
Q2 2026-$3.2M+$704K
Q1 2026-$2.2M-$203K
Q4 2025-$2.3M-$470K
Q2 2025-$3.9M-$957K
Q1 2025-$2M+$636K
Q4 2024-$1.8M+$1.7M
Q3 2024-$2.7M+$521K
Q2 2024-$3M+$2.3M

VIVS has burned cash in almost every quarter: โˆ’$10M over the past year, against โˆ’$10M 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 the edge over VIVS on shareholder dilution, with a more favorable share count trend.

VIVS Total Shares

Q4 2023: 759,621Q1 2024: 762,077Q2 2024: 1MQ3 2024: 1MQ4 2024: 2MQ2 2025: 3MQ3 2025: 3MQ4 2025: 3MQ2 2026: 5MQ3 2026: 16M
Q4 2023: 759,621Q1 2024: 762,077Q2 2024: 1MQ3 2024: 1MQ4 2024: 2MQ2 2025: 3MQ3 2025: 3MQ4 2025: 3MQ2 2026: 5MQ3 2026: 16M
PeriodChange %Net change
Quarterly+214%+11.2M shares
1 year+557%+13.9M shares
3 years+2165%+15.7M shares
5 years+2777%+15.9M shares
Available history+2925%+15.9M shares

VIVS has 16M diluted shares, up 557% from a year ago.

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.

VIVS Net Leverage

VIVS's operating earnings (EBITDA) were negative over the past year, so its debt can't be measured against them.

OSCR Weekly Momentum

MetricValueStatus
RSI58.7Neutral
Stochastic44.9Neutral

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

VIVS Weekly Momentum

MetricValueStatus
RSI23.5Oversold
Stochastic3.0Oversold

VIVS's weekly RSI is 23 (oversold) and its Stochastic is 3 (oversold).

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.

VIVS PE vs Healthcare Sector

MetricVIVSSector medianRelative
PEN/A26xโ€”

VIVS 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 has the edge over VIVS on trend strength, trading above more of its moving averages.

VIVS Weekly Moving Averages

Moving averageMA priceRelative
8 week MA$0.1718% below
20 week MA$0.3358% below
50 week MA$1.1888% below
100 week MA$1.9593% below
200 week MA$8.0698% below

VIVS is in a downtrend: it's below all five of its weekly moving averages, and 98% below 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 VIVS on returns for 2026, with the stronger performance.

VIVS Yearly ROI

YearStart priceEnd priceROI
2020$96.0$191.5+100%
2021$191.5$48.2-75%
2022$48.2$19.1-60%
2023$19.1$13.3-30%
2024$13.3$3.67-72%
2025$3.67$2.01-45%
2026 YTD$2.01$0.14-93%

VIVS has finished five years in a row lower, and it's down 93% so far in 2026.

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