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 −1.9% to 5.4%. Its PE isn't a useful guide right now because of how its recent earnings were reported.

YI

111, Inc.

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

OSCR Fundamentals

MetricStatus
Strong
Healthy
Strong
Strong

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

YI Fundamentals

MetricStatus
Weak
Under pressure
Under pressure
Strong

YI's balance sheet is currently strong, but its revenue, profitability and cash flow are under pressure.

OSCR PE Valuation

CHEAPFAIREXPENSIVE41x83x124x166x
CHEAPFAIREXPENSIVE41x83x124x166x
LevelPEPriceVs current
Forward12x$31.94—
Current13x$31.94—
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.

YI PE Valuation

YI 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.

YI Forward outlook

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

YI Risk to reward

ScenarioChangePrice
UpsideUnknown—
DownsideUnknown—

Calculated from the latest close: $2.85 on Nov 12.

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

YI Earnings Per Share

Q3 2023: $-5.18Q4 2023: $-6.97Q1 2024: $-6.64Q2 2024: $-5.86Q3 2024: $-4.50Q4 2024: $-1.13Q1 2025: $-1.19Q2 2025: $-1.28Q3 2025: $-1.21Q4 2025: $-1.14Q1 2026: $-1.46Q2 2026: $-1.79
Q3 2023: $-5.18Q4 2023: $-6.97Q1 2024: $-6.64Q2 2024: $-5.86Q3 2024: $-4.50Q4 2024: $-1.13Q1 2025: $-1.19Q2 2025: $-1.28Q3 2025: $-1.21Q4 2025: $-1.14Q1 2026: $-1.46Q2 2026: $-1.79
QuarterTTM EPSYoY
Q2 2026-$1.79-$0.51
Q1 2026-$1.46-$0.27
Q4 2025-$1.14-$0.01
Q3 2025-$1.21+$3.29
Q2 2025-$1.28+$4.58
Q1 2025-$1.19+$5.45
Q4 2024-$1.13+$5.84
Q3 2024-$4.50+$0.68

YI is still losing money, but far less than before: $1.79 per share over the past year, against $12.49 at its worst in late 2021.

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

YI Quarterly Revenue

Q3 2023: $550MQ4 2023: $617MQ1 2024: $530MQ2 2024: $514MQ3 2024: $540MQ4 2024: $577MQ1 2025: $530MQ2 2025: $481MQ3 2025: $450MQ4 2025: $417MQ1 2026: $354MQ2 2026: $345M
Q3 2023: $550MQ4 2023: $617MQ1 2024: $530MQ2 2024: $514MQ3 2024: $540MQ4 2024: $577MQ1 2025: $530MQ2 2025: $481MQ3 2025: $450MQ4 2025: $417MQ1 2026: $354MQ2 2026: $345M
QuarterRevenueYoY
Q2 2026$345.2M-28%
Q1 2026$354.4M-33%
Q4 2025$417.4M-28%
Q3 2025$450.3M-17%
Q2 2025$481.1M-6.4%
Q1 2025$529.6M0%
Q4 2024$577.4M-6.3%
Q3 2024$540.4M-1.8%

YI's revenue has slid since its 2022 peak: $345M last quarter, down 28% from the same quarter a year ago.

OSCR Free Cash Flow

Q4 2023: $291MQ1 2024: $628MQ2 2024: $490MQ3 2024: −$508MQ4 2024: $340MQ1 2025: $870MQ2 2025: $500MQ3 2025: −$974MQ4 2025: $663MQ1 2026: $2.6BQ2 2026: $2.1BQ3 2026: −$1.2B
Q4 2023: $291MQ1 2024: $628MQ2 2024: $490MQ3 2024: −$508MQ4 2024: $340MQ1 2025: $870MQ2 2025: $500MQ3 2025: −$974MQ4 2025: $663MQ1 2026: $2.6BQ2 2026: $2.1BQ3 2026: −$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 YI on cash generation, producing positive trailing cash flow while its opponent burns cash.

YI Free Cash Flow

Q3 2023: $5MQ4 2023: −$31MQ1 2024: $16MQ2 2024: $14MQ3 2024: $16MQ4 2024: −$10MQ1 2025: $17MQ2 2025: −$9MQ3 2025: $6MQ4 2025: $4MQ1 2026: −$14MQ2 2026: −$2M
Q3 2023: $5MQ4 2023: −$31MQ1 2024: $16MQ2 2024: $14MQ3 2024: $16MQ4 2024: −$10MQ1 2025: $17MQ2 2025: −$9MQ3 2025: $6MQ4 2025: $4MQ1 2026: −$14MQ2 2026: −$2M
QuarterFree cash flowYoY
Q2 2026-$1.7M+$7.5M
Q1 2026-$13.8M-181%
Q4 2025$3.8M+$13.4M
Q3 2025$5.7M-65%
Q2 2025-$9.2M-166%
Q1 2025$16.9M+3.8%
Q4 2024-$9.6M+$21.5M
Q3 2024$16.5M+212%

YI has burned cash in most quarters: −$6M over the past year, against $15M 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 346M diluted shares, up 34% from a year ago.

YI Total Shares

Q3 2023: 8MQ4 2023: 8MQ1 2024: 9MQ2 2024: 9MQ3 2024: 9MQ4 2024: 9MQ1 2025: 9MQ2 2025: 9MQ3 2025: 9MQ4 2025: 9MQ1 2026: 9MQ2 2026: 9M
Q3 2023: 8MQ4 2023: 8MQ1 2024: 9MQ2 2024: 9MQ3 2024: 9MQ4 2024: 9MQ1 2025: 9MQ2 2025: 9MQ3 2025: 9MQ4 2025: 9MQ1 2026: 9MQ2 2026: 9M
PeriodChange %Net change
Quarterly+0.3%+28.3K shares
1 year+1.7%+145K shares
3 years+5%+418K shares
5 years+6.4%+533K shares
Available history+7.5%+615K shares

YI has the edge over OSCR on shareholder dilution, with a more favorable share count trend.

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.

YI Net Leverage

Q4 2024: -8.4xQ1 2025: -14.0xQ2 2025: -14.1xQ3 2025: -14.5xQ4 2025: -22.3x
Q4 2024: -8.4xQ1 2025: -14.0xQ2 2025: -14.1xQ3 2025: -14.5xQ4 2025: -22.3x
QuarterNet LeverageStatus
Q4 2025-22.3xNet Cash
Q3 2025-14.5xNet Cash
Q2 2025-14.1xNet Cash
Q1 2025-14.0xNet Cash
Q4 2024-8.4xNet Cash

YI has more cash than debt.

OSCR Weekly Momentum

MetricValueStatus
RSI58.7Neutral
Stochastic44.9Neutral

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

YI Weekly Momentum

MetricValueStatus
RSI27.5Oversold
Stochastic13.2Oversold

YI's weekly RSI is 28 (oversold) and its Stochastic is 13 (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.

YI PE vs Healthcare Sector

YI 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 stronger trend alignment. OSCR is above 5 of 5 weekly averages versus YI above 0 of 4.

YI Weekly Moving Averages

Moving averageMA priceRelative
8 week MA$3.077.2% below
20 week MA$3.4718% below
50 week MA$4.7941% below
100 week MA$5.7651% below

YI is in a downtrend: it's below all four of its weekly moving averages, and 51% below its 100-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 YI on returns for 2026, with the stronger performance.

YI Yearly ROI

YearStart priceEnd priceROI
2024$11.6$7.35-36%
2025$7.35$3.08-58%
2026 YTD$3.08$2.85-7.5%

YI has finished every year since 2024 lower, and it's down 7.5% so far in 2026.

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