COMPARE · Reviewed August 3, 2026
ELV vs OSCR
Verdict: Side-by-side breakdown using the Bull Rankings model. ELV scored 63.9, OSCR scored 74.7 — OSCR leads.
Compare another set
Different reporting periods. ELV'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.
ELV
Elevance Health, Inc.
63.9
$379.53 · $82.3B
fundamentals as of
Score gap
10.8
OSCR leads
OSCR
Oscar Health, Inc.
74.7
$30.48 · $9.2B
fundamentals as of
The model, pillar by pillar (0–100 each)
ELV
stronger →← stronger
OSCR
55
Qualityreturns · margins · balance sheet
42
86
Growthrevenue & earnings expansion
100
55
Valuevaluation vs sector peers
100
OSCR is stronger on 2 of 3 pillars.
Fundamentals, head-to-head
ELV
OSCR
$6.3bB+
FCF
$2.8bB
+12.6%B+
Rev
+27.5%A-
0.69C+
D/E
0.29B
16.8xA-
P/E
—
1.33B
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
ELV
OSCR
41% below
Price vs fair valuelower is cheaper
76% below
~-6%/yr
Growth the price implies10-yr FCF · lower = less priced in
~-22%/yr
+57%
1-yr DCF upside
+217%
+70%
5-yr DCF upside
+310%
+92%
10-yr DCF upside
+480%
The DCF is a cross-check on intrinsic value, separate from the quality-growth score above.
Model signals
ELV
Why this score
- Buying back stock
OSCR
No notable signals flagged.
The companies
ELVElevance Health, Inc.
Why now
Healthcare Plans · market cap $82.3b. 13% off the 52-week high of $436.24. Revenue growing +13%, comfortably above the S&P median. 21 sell-side analysts rate this a Buy with a mean 1-yr target of $449.10 (implying +18% upside).
Moat
ROE 11% meets the long-run market sustainable threshold — solid but not differentiated; the durability comes from elsewhere. FCF converts 127% of net income — earnings translate cleanly into cash, a sign that working capital and capex are well-disciplined. $82.3b market cap gives the company enough scale to absorb fixed costs that subscale competitors can't, without yet being so large that growth has to come from acquisition.
Risk
Net margin 2.5% 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.