OSCR
Oscar Health, Inc.
OSCR has the edge over VTRS overall, supported by stronger fundamentals and stronger modeled upside.
VTRS
Viatris Inc.
VTRS 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.
VTRS Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Stable | |
| Strong | |
| Weak |
VTRS's cash flow is currently strong, and its revenue and profitability are stable, but its balance sheet is weak.
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.
VTRS PE Valuation
VTRS 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.
VTRS Forward outlook
| Metric | Outlook |
|---|---|
| -- | |
| Growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| Moderate |
Analysts expect earnings and revenue growth for VTRS, with profitability improving.
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 VTRS on earnings quality, reporting a profit while its opponent remains loss making.
VTRS Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $2.65 | — |
| Q3 2026 | -$0.57 | +$2.52 |
| Q2 2026 | -$0.40 | +$2.50 |
| Q1 2026 | -$0.30 | +$2.87 |
| Q4 2025 | -$3.00 | -$2.47 |
| Q3 2025 | -$3.09 | -$2.36 |
| Q2 2025 | -$2.90 | -$2.36 |
| Q1 2025 | -$3.17 | -$3.12 |
| Q4 2024 | -$0.53 | -1160% |
VTRS is still losing money, but far less than before: $0.57 per share over the past year, against $3.17 at its worst in early 2025.
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 VTRS 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's operating margin was 3.5% last quarter, up 7.8 points from the same quarter a year ago.
VTRS Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $3.7B | -0.3% |
| Q2 2026 | $3.8B | +4.9% |
| Q1 2026 | $3.5B | +8.1% |
| Q4 2025 | $3.7B | +5% |
| Q3 2025 | $3.8B | +0.2% |
| Q2 2025 | $3.6B | -5.6% |
| Q1 2025 | $3.3B | -11% |
| Q4 2024 | $3.5B | -8.1% |
VTRS's revenue is growing: $3.7B last quarter, about level with the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 7% | +2.2 points |
| Q2 2026 | 0.2% | -6.3 points |
| Q1 2026 | -2.3% | +86 points |
| Q4 2025 | -5.2% | -0.1 points |
| Q3 2025 | 4.8% | -1.3 points |
| Q2 2025 | 6.5% | +13 points |
| Q1 2025 | -89% | -94 points |
| Q4 2024 | -5.1% | +6.7 points |
VTRS 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 VTRS on cash flow, with more consistent year-over-year improvement.
VTRS Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $813.7M | +24% |
| Q2 2026 | $329M | +97% |
| Q1 2026 | $348.4M | -29% |
| Q4 2025 | $619.3M | +81% |
| Q3 2025 | $658.1M | -12% |
| Q2 2025 | $166.8M | -48% |
| Q1 2025 | $492.9M | -13% |
| Q4 2024 | $342.3M | +9% |
VTRS generated $2.1B in free cash flow over the past year, up 27% 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 | — |
VTRS Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -1.3% | -14.7M shares |
| 1 year | -1.4% | -16M shares |
| 3 years | -4.3% | -51.1M shares |
| 5 years | -5.3% | -64M shares |
VTRS has the edge over OSCR on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $150M |
| Q2 2026 | $150M |
| Q1 2026 | — |
| Q4 2025 | $85.1M |
| Q3 2025 | $67.9M |
| Q2 2025 | $175M |
| Q1 2025 | $175.4M |
| Q4 2024 | — |
VTRS spent $385M buying back its own shares over the past year, down 7.9% 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 VTRS on leverage, with a lower net debt burden relative to earnings.
VTRS Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 4.1x | High |
| Q2 2026 | 4.6x | High |
| Q1 2026 | 4.3x | High |
| Q4 2025 | 96.8x | High |
| Q3 2025 | 105.5x | High |
| Q2 2025 | 89.2x | High |
| Q4 2024 | 4.6x | High |
| Q3 2024 | 5.5x | High |
VTRS's net debt is about 4.1 years of its operating earnings (EBITDA), down from more than 20 years a year ago.
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).
VTRS Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 73.1 | Overbought |
| Stochastic | 92.0 | Overbought |
VTRS's weekly RSI is 73 (overbought) and its Stochastic is 92 (overbought).
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.
VTRS PE vs Healthcare Sector
| Metric | VTRS | Sector median | Relative |
|---|---|---|---|
| PE | N/A | 26x | — |
VTRS 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 is in an uptrend: it's above all five of its weekly moving averages, and 106% above its 200-week average.
VTRS Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $18.7 | 11% above |
| 20 week MA | $17.5 | 18% above |
| 50 week MA | $15.6 | 33% above |
| 100 week MA | $12.7 | 63% above |
| 200 week MA | $11.8 | 75% above |
VTRS is in an uptrend: it's above all five of its weekly moving averages, and 75% 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 VTRS on returns for 2026, with the stronger performance.
VTRS Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $19.7 | $17.8 | -9.9% |
| 2021 | $17.8 | $13.6 | -23% |
| 2022 | $13.6 | $11.0 | -19% |
| 2023 | $11.0 | $10.8 | -1.6% |
| 2024 | $10.8 | $12.5 | +15% |
| 2025 | $12.5 | $12.3 | -1.3% |
| 2026 YTD | $12.3 | $20.7 | +68% |
VTRS is up 68% so far in 2026, after finishing lower in five of the previous six years.