OSCR
Oscar Health, Inc.
OSCR has the edge over YARW overall, supported by stronger fundamentals and lower modeled downside.
YARW
Yarrow Bioscience Inc
YARW offers stronger modeled upside, but that advantage does not outweigh its weaker overall profile.
OSCR Fundamentals
| Metric | Status |
|---|---|
| Strong | |
| Healthy | |
| Strong | |
| Strong |
OSCR's revenue, profitability, cash flow and balance sheet are all currently healthy.
YARW Fundamentals
| Metric | Status |
|---|---|
| Under pressure | |
| Under pressure | |
| Weak | |
| Unavailable |
YARW's revenue, profitability and cash flow are currently under pressure. There isn't enough data to rate its balance sheet.
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.
YARW PE Valuation
YARW 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.
YARW Forward outlook
| Metric | Outlook |
|---|---|
| -- | |
| Losses shrinking | |
| Strong decline | |
| -- | |
| Limited | |
| High |
Analysts expect YARW's losses to shrink, with revenue declining.
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 YARW on earnings quality, reporting a profit while its opponent remains loss making.
YARW Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Q2 2026 | -$23.27 | +$21.23 |
| Q1 2026 | -$26.26 | +$22.74 |
| Q4 2025 | -$32.26 | +$14.24 |
| Q3 2023 | -$498.97 | -$111.97 |
| Q2 2023 | -$542.47 | +$69.53 |
| Q1 2023 | -$522.97 | +$305.03 |
| Q4 2022 | -$363.97 | +$914.03 |
| Q3 2022 | -$387.00 | +$216.00 |
YARW lost $23.27 per share over the past year, a smaller loss than the year before.
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 YARW 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 has the edge over YARW on profitability, with a higher operating margin.
YARW Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q2 2026 | $97K | +41% |
| Q1 2026 | $86K | -57% |
| Q4 2025 | $130K | +55% |
| Q3 2025 | $169K | +40% |
| Q2 2025 | $69K | -65% |
| Q1 2025 | $202K | +106% |
| Q4 2024 | $84K | +11% |
| Q3 2024 | $121K | +6.1% |
YARW's revenue is recovering but still below its 2020 peak: $97,000 last quarter, up 41% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q2 2026 | -3198% | +7733 points |
| Q1 2026 | -4437% | +116 points |
| Q4 2025 | -4015% | +11188 points |
| Q3 2025 | -4611% | +6208 points |
| Q2 2025 | -10930% | -5680 points |
| Q1 2025 | -4553% | +2978 points |
| Q4 2024 | -15202% | -6213 points |
| Q3 2024 | -10819% | -5351 points |
YARW's operating margin was −3198% last quarter, up 7732 points from the same quarter a year ago.
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 YARW on cash generation, producing positive trailing cash flow while its opponent burns cash.
YARW Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q2 2026 | -$2M | +$8.8M |
| Q1 2026 | -$4.1M | +$7.4M |
| Q3 2025 | -$7.1M | +$1.4M |
| Q2 2025 | -$10.8M | -$2.3M |
| Q1 2025 | -$11.5M | -$3.5M |
| Q3 2024 | -$8.5M | -$3.4M |
| Q2 2024 | -$8.5M | +$1.1M |
| Q1 2024 | -$8M | -$2.5M |
YARW has burned cash in almost every quarter: −$17M over the past year, against −$39M 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 | — |
YARW Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.3% | +2.6K shares |
| 1 year | +0.3% | +2.8K shares |
| 3 years | +1247% | +794K shares |
| 5 years | +1741% | +811K shares |
| Available history | +12794% | +851K shares |
YARW has the edge over OSCR on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q4 2025 | $15,000 |
| Q3 2025 | $7,000 |
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 more cash than debt.
YARW Net Leverage
YARW's operating earnings (EBITDA) were negative over the past year, so its debt can't be measured against them.
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).
YARW Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 40.5 | Neutral |
| Stochastic | 13.3 | Oversold |
YARW's weekly RSI is 40 (neutral) and its Stochastic is 13 (oversold).
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.
YARW PE vs Healthcare Sector
YARW 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 has the edge over YARW on trend strength, trading above more of its moving averages.
YARW Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $20.0 | 2% below |
| 20 week MA | $28.4 | 31% below |
| 50 week MA | $29.3 | 33% below |
| 100 week MA | $47.7 | 59% below |
| 200 week MA | $102.9 | 81% below |
YARW is in a downtrend: it's below all five of its weekly moving averages, and 81% below 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 YARW on returns for 2026, with the stronger performance.
YARW Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $18,000.0 | $6,372.0 | -65% |
| 2021 | $6,372.0 | $1,008.0 | -84% |
| 2022 | $1,008.0 | $107.0 | -89% |
| 2023 | $107.0 | $116.5 | +8.9% |
| 2024 | $116.5 | $158.5 | +36% |
| 2025 | $158.5 | $29.4 | -81% |
| 2026 YTD | $29.4 | $19.6 | -33% |
YARW has finished lower in four of the last six years. It's down 33% so far in 2026.