OSCR
Oscar Health, Inc.
OSCR has the edge over VRTX overall, supported by stronger modeled upside and stronger valuation.
VRTX
Vertex Pharmaceuticals Incorporated
VRTX 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.
VRTX Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| Healthy | |
| Strong |
VRTX's revenue, profitability, cash flow and balance sheet are all currently healthy.
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 VRTX in the historical PE scenario, which offers more potential upside but is not a forecast.
VRTX PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 23x | $360 | -34% |
| Fair | 28x | $429 | -21% |
| Forward | 29x | $543 | — |
| Expensive | 32x | $496 | -8.7% |
| Current | 35x | $543 | — |
Historical ranges are pointers, not guarantees.
VRTX's PE is in its expensive range at 35x. On analysts' estimates for next year's earnings, today's price would be 29x, in its fair range.
OSCR Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Strong growth | |
| Strong growth | |
| Strongly improving | |
| Limited | |
| Moderate |
OSCR has the edge over VRTX on the outlook, with more favorable earnings and profitability expectations.
VRTX Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Stable | |
| Growth | |
| Strongly weakening | |
| Limited | |
| Low |
Analysts expect VRTX's revenue to grow, but its profitability to weaken. 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 returned to profit: it earned $2.47 per share over the past year, after losing money the year before.
VRTX Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $18.81 | +21% |
| Q3 2026 | $15.53 | +8.6% |
| Q2 2026 | $17.17 | +22% |
| Q1 2026 | $16.85 | +$20.65 |
| Q4 2025 | $15.32 | +$17.40 |
| Q3 2025 | $14.30 | +$16.29 |
| Q2 2025 | $14.11 | +$16.14 |
| Q1 2025 | -$3.80 | -125% |
| Q4 2024 | -$2.08 | -115% |
VRTX 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 VRTX 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.
VRTX Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $3.4B | +12% |
| Q2 2026 | $3.3B | +12% |
| Q1 2026 | $3B | +7.8% |
| Q4 2025 | $3.2B | +9.5% |
| Q3 2025 | $3.1B | +11% |
| Q2 2025 | $3B | +12% |
| Q1 2025 | $2.8B | +3% |
| Q4 2024 | $2.9B | +16% |
VRTX's revenue has grown year over year every quarter since late 2020: $3.4B last quarter, up 12% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 21% | -18 points |
| Q2 2026 | 37% | -1.4 points |
| Q1 2026 | 38% | +15 points |
| Q4 2025 | 38% | +2.6 points |
| Q3 2025 | 39% | -1.7 points |
| Q2 2025 | 39% | +172 points |
| Q1 2025 | 23% | -20 points |
| Q4 2024 | 35% | -4 points |
VRTX 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 VRTX on cash flow, with more consistent year-over-year improvement.
VRTX Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $545.8M | -52% |
| Q2 2026 | $1B | +9.3% |
| Q1 2026 | $1.3B | +66% |
| Q4 2025 | $348.6M | -29% |
| Q3 2025 | $1.1B | -12% |
| Q2 2025 | $927.4M | +$4.8B |
| Q1 2025 | $778.2M | -37% |
| Q4 2024 | $492M | +179% |
VRTX generated $3.2B in free cash flow over the past year, down 4% 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 | — |
VRTX Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | 0% | -- |
| 1 year | -0.9% | -2.4M shares |
| 3 years | -2.1% | -5.4M shares |
| 5 years | -1.7% | -4.5M shares |
| Available history | -2.6% | -6.9M shares |
VRTX has the edge over OSCR on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $126.7M |
| Q2 2026 | $469.5M |
| Q1 2026 | $336.9M |
| Q4 2025 | $128.4M |
| Q3 2025 | $1.1B |
| Q2 2025 | $391.8M |
| Q1 2025 | $426.1M |
| Q4 2024 | $417.9M |
VRTX spent $1.1B buying back its own shares over the past year, down 54% from the year before.
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 the edge over VRTX on leverage, with a lower net debt burden relative to earnings.
VRTX Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -0.1x | Net Cash |
| Q2 2026 | -1.2x | Net Cash |
| Q1 2026 | -1.1x | Net Cash |
| Q4 2025 | -1.2x | Net Cash |
| Q3 2025 | -1.2x | Net Cash |
| Q2 2025 | -1.2x | Net Cash |
| Q1 2024 | -2.1x | Net Cash |
| Q4 2023 | -2.6x | Net Cash |
VRTX 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).
VRTX Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 59.4 | Neutral |
| Stochastic | 81.1 | Overbought |
VRTX's weekly RSI is 59 (neutral) and its Stochastic is 81 (overbought).
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 VRTX on valuation relative to its sector.
VRTX PE vs Healthcare Sector
| Metric | VRTX | Sector median | Relative |
|---|---|---|---|
| PE | 35x | 26x | 35% above |
| PE % | 91 | 29 | 62 pts above |
VRTX is trading at 35x earnings, a 35% 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.
VRTX Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $526.7 | 3% above |
| 20 week MA | $516.4 | 5.1% above |
| 50 week MA | $479.2 | 13% above |
| 100 week MA | $459.7 | 18% above |
| 200 week MA | $428.4 | 27% above |
VRTX is in an uptrend: it's above all five of its weekly moving averages, and 27% 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 VRTX on returns for 2026, with the stronger performance.
VRTX Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $221.0 | $234.5 | +6.1% |
| 2021 | $234.5 | $223.5 | -4.7% |
| 2022 | $223.5 | $289.7 | +30% |
| 2023 | $289.7 | $406.9 | +40% |
| 2024 | $406.9 | $408.8 | +0.5% |
| 2025 | $408.8 | $462.9 | +13% |
| 2026 YTD | $462.9 | $542.6 | +17% |
VRTX has finished higher in five of the last six years. It's up 17% so far in 2026.