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.

XBIO

Xenetic Biosciences, Inc.

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

OSCR Fundamentals

MetricStatus
Strong
Healthy
Strong
Strong

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

XBIO Fundamentals

MetricStatus
Under pressure
Weak
Under pressure
Unavailable

XBIO's revenue, profitability and cash flow are currently under pressure. 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.

XBIO PE Valuation

XBIO 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.

XBIO Forward outlook

There aren't enough analyst estimates for XBIO 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 XBIO's risk to reward.

XBIO Risk to reward

ScenarioChangePrice
UpsideUnknownโ€”
DownsideUnknownโ€”

Calculated from the latest close: $1.66 on Nov 12.

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

XBIO Earnings Per Share

Q4 2023: $-2.71Q1 2024: $-2.89Q2 2024: $-3.03Q3 2024: $-2.62Q4 2024: $-2.57Q1 2025: $-2.38Q2 2025: $-2.00Q3 2025: $-2.05Q4 2025: $-1.58Q1 2026: $-1.19Q2 2026: $-1.15Q3 2026: $-1.54
Q4 2023: $-2.71Q1 2024: $-2.89Q2 2024: $-3.03Q3 2024: $-2.62Q4 2024: $-2.57Q1 2025: $-2.38Q2 2025: $-2.00Q3 2025: $-2.05Q4 2025: $-1.58Q1 2026: $-1.19Q2 2026: $-1.15Q3 2026: $-1.54
QuarterTTM EPSYoY
Q3 2026-$1.54+$0.51
Q2 2026-$1.15+$0.85
Q1 2026-$1.19+$1.19
Q4 2025-$1.58+$0.99
Q3 2025-$2.05+$0.57
Q2 2025-$2.00+$1.03
Q1 2025-$2.38+$0.51
Q4 2024-$2.57+$0.14

XBIO is still losing money, but far less than before: $1.54 per share over the past year, against $17.00 at its worst in late 2020.

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

XBIO Quarterly Revenue

Q4 2023: $671,963Q1 2024: $510,817Q2 2024: $726,404Q3 2024: $614,243Q4 2024: $648,820Q1 2025: $593,261Q2 2025: $589,897Q3 2025: $1MQ4 2025: $766,296Q1 2026: $806,923Q2 2026: $660,601Q3 2026: $725,257
Q4 2023: $671,963Q1 2024: $510,817Q2 2024: $726,404Q3 2024: $614,243Q4 2024: $648,820Q1 2025: $593,261Q2 2025: $589,897Q3 2025: $1MQ4 2025: $766,296Q1 2026: $806,923Q2 2026: $660,601Q3 2026: $725,257
QuarterRevenueYoY
Q3 2026$725.3K-29%
Q2 2026$660.6K+12%
Q1 2026$806.9K+36%
Q4 2025$766.3K+18%
Q3 2025$1M+67%
Q2 2025$589.9K-19%
Q1 2025$593.3K+16%
Q4 2024$648.8K-3.4%

XBIO's revenue fell from its 2025 peak and has held roughly level since: $725,257 last quarter, down 29% 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 XBIO on cash generation, producing positive trailing cash flow while its opponent burns cash.

XBIO Free Cash Flow

Q4 2023: โˆ’$793,027Q1 2024: โˆ’$1MQ2 2024: โˆ’$525,104Q3 2024: โˆ’$459,037Q4 2024: โˆ’$673,992Q1 2025: โˆ’$1MQ2 2025: โˆ’$383,830Q3 2025: โˆ’$658,247Q4 2025: โˆ’$242,682Q1 2026: โˆ’$536,377Q2 2026: โˆ’$875,489Q3 2026: โˆ’$662,131
Q4 2023: โˆ’$793,027Q1 2024: โˆ’$1MQ2 2024: โˆ’$525,104Q3 2024: โˆ’$459,037Q4 2024: โˆ’$673,992Q1 2025: โˆ’$1MQ2 2025: โˆ’$383,830Q3 2025: โˆ’$658,247Q4 2025: โˆ’$242,682Q1 2026: โˆ’$536,377Q2 2026: โˆ’$875,489Q3 2026: โˆ’$662,131
QuarterFree cash flowYoY
Q3 2026-$662.1K-$3.9K
Q2 2026-$875.5K-$491.7K
Q1 2026-$536.4K+$465.5K
Q4 2025-$242.7K+$431.3K
Q3 2025-$658.2K-$199.2K
Q2 2025-$383.8K+$141.3K
Q1 2025-$1M+$157.5K
Q4 2024-$674K+$119K

XBIO has burned cash in almost every quarter: โˆ’$2M over the past year, against โˆ’$3M 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 XBIO on shareholder dilution, with a more favorable share count trend.

XBIO Total Shares

Q4 2023: 2MQ1 2024: 2MQ2 2024: 2MQ3 2024: 2MQ4 2024: 2MQ1 2025: 2MQ2 2025: 2MQ3 2025: 2MQ1 2026: 2MQ2 2026: 2MQ3 2026: 2M
Q4 2023: 2MQ1 2024: 2MQ2 2024: 2MQ3 2024: 2MQ4 2024: 2MQ1 2025: 2MQ2 2025: 2MQ3 2025: 2MQ1 2026: 2MQ2 2026: 2MQ3 2026: 2M
PeriodChange %Net change
Quarterly+2.1%+48.8K shares
1 year+52%+801K shares
3 years+54%+818K shares
5 years+168%+1.5M shares
Available history+276%+1.7M shares

XBIO has 2M diluted shares, up 52% 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.

XBIO Net Leverage

XBIO'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).

XBIO Weekly Momentum

MetricValueStatus
RSI37.5Neutral
Stochastic8.3Oversold

XBIO's weekly RSI is 37 (neutral) and its Stochastic is 8 (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.

XBIO PE vs Healthcare Sector

XBIO 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 XBIO on trend strength, trading above more of its moving averages.

XBIO Weekly Moving Averages

Moving averageMA priceRelative
8 week MA$2.0117% below
20 week MA$2.7439% below
50 week MA$2.7239% below
100 week MA$3.0646% below
200 week MA$3.5453% below

XBIO is in a downtrend: it's below all five of its weekly moving averages, and 53% 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 XBIO on returns for 2026, with the stronger performance.

XBIO Yearly ROI

YearStart priceEnd priceROI
2020$14.3$21.9+53%
2021$21.9$14.4-34%
2022$14.4$3.10-78%
2023$3.10$3.45+11%
2024$3.45$4.11+19%
2025$4.11$2.08-49%
2026 YTD$2.08$1.66-20%

XBIO has finished lower in three of the last six years. It's down 20% so far in 2026.

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