COMPARE · Reviewed August 3, 2026
ALHC vs OSCR
Verdict: Side-by-side breakdown using the Bull Rankings model. ALHC scored 58.9, OSCR scored 74.7 — OSCR leads.
Compare another set
Different reporting periods. ALHC's fundamentals are as of June 2026, but OSCR's are as of March 2026 — a 3-month gap. Growth, margin and valuation figures below therefore describe different windows and aren't strictly like-for-like.
ALHC
Alignment Healthcare, Inc.
58.9
$13.76 · $2.9B
fundamentals as of
Score gap
15.8
OSCR leads
OSCR
Oscar Health, Inc.
74.7
$30.48 · $9.2B
fundamentals as of
The model, pillar by pillar (0–100 each)
ALHC
stronger →← stronger
OSCR
46
Qualityreturns · margins · balance sheet
42
100
Growthrevenue & earnings expansion
100
45
Valuevaluation vs sector peers
100
ALHC and OSCR split the three pillars evenly.
Fundamentals, head-to-head
ALHC
OSCR
$178mC
FCF
$2.8bB
+46.1%A
Rev
+27.5%A-
1.25C
D/E
0.29B
72.4xD
P/E
—
1.66C+
PEG
—
—
P/S
0.7xA
Winner per row is the stronger grade in our model; a tie or a missing value shows no highlight.
Valuation · DCF cross-check
ALHC
OSCR
24% below
Price vs fair valuelower is cheaper
76% below
~8%/yr
Growth the price implies10-yr FCF · lower = less priced in
~-22%/yr
+1%
1-yr DCF upside
+217%
+32%
5-yr DCF upside
+310%
+96%
10-yr DCF upside
+480%
The DCF is a cross-check on intrinsic value, separate from the quality-growth score above.
Model signals
ALHC
Why this score
- Diluting shareholders
OSCR
No notable signals flagged.
The companies
ALHCAlignment Healthcare, Inc.
Why now
Healthcare Plans · market cap $2.9b. Down 45% from 52-week high of $25.12 — deep drawdown territory. Revenue growing +46% — in hypergrowth territory. 13 sell-side analysts rate this a Strong Buy with a mean 1-yr target of $24.62 (implying +79% upside).
Moat
ROE 20% sits above Buffett's preferred 15% threshold — the equity base is compounding at a rate the market struggles to discount accurately. Free cash flow runs well ahead of reported net income — non-cash charges (depreciation, intangible amortization) are holding down GAAP earnings while cash generation stays strong.
Risk
Trailing P/E 72.4x prices in sustained high growth — any quarter that disappoints triggers sharp re-rating. Down 45% from the 52-week high — the market is pricing in something the screen can't see; verify the bear case before sizing up. Net margin 0.9% is thin — operating leverage cuts both ways; input-cost inflation or pricing pressure hits the bottom line first.
OSCROscar Health, Inc.
Why now
Healthcare Plans · market cap $9.2b. 8% off the 52-week high of $33.10. Revenue growing +27% — in hypergrowth territory. 10 sell-side analysts rate this a Hold with a mean 1-yr target of $25.20 (implying -17% upside).
Moat
Turnaround / out-of-favor name — GAAP-unprofitable for now, so the durability case is forward-looking: it rests on a recovery (margin normalization, a cyclical upturn or restructuring) or an un-monetized asset (IP / network effects / first-mover position) rather than on current reported results.
Risk
Currently unprofitable (margin -0.3%) — path to GAAP profitability is the core thesis risk. Beta 2.38 implies above-market volatility — position-size to the drawdowns this name will produce in a market correction, not to its bull-case return. ROE -3% is below the long-run sustainable threshold of ~10% — capital efficiency would need to improve for the equity base to compound at the market rate.
Verdict — model-derived comparison
Generating verdict… typically 5–10 seconds
Not investment advice. The Bull Rankings publishes a quantitative ranking model and accompanying analysis for general informational purposes only. Nothing on this page is a recommendation to buy, sell, or hold any security; nothing is personalized to your circumstances, risk tolerance, or tax situation. Investing carries the risk of loss — invest at your own risk and consider consulting a licensed financial professional before acting on anything you read here. See terms and methodology for full disclosures.