COMPARE · Data as of August 24, 2026
ALHC vs OSCR
Verdict: Side-by-side breakdown using the Bull Rankings model. ALHC scored 63.4, OSCR scored 70.4 — OSCR leads.
Compare another set
ALHC
Alignment Healthcare, Inc.
63.4
$13.16 · $2.7B
fundamentals as of
Score gap
7.0
OSCR leads
OSCR
Oscar Health, Inc.
70.4
$31.81 · $9.8B
fundamentals as of
At a glance · who leads each dimension, on the model's own rules
- CheapestOSCR24.5x
- Fastest growthALHC+46.1%
- Strongest balance sheetOSCR0.23
- Highest qualityOSCR79 / 100
- Largest discount to fair valueOSCR-76%
Side by side · every name on one set of axes
Growth against the P/E multiple. Up and to the right is cheaper and faster — the quality-growth idea in one picture. Points beyond the axis are pinned to the edge and marked off-scale rather than allowed to compress everything else.
The model, pillar by pillar (0–100 each)
ALHC
stronger →← stronger
OSCR
46
Qualityreturns · margins · balance sheet
79
96
Growthrevenue & earnings expansion
95
58
Valuevaluation vs sector peers
46
ALHC is stronger on 2 of 3 pillars.
Fundamentals, head-to-head
ALHC
OSCR
$178mC
FCF
$4.4bB
+46.1%A
Rev
+27.5%A-
1.25C
D/E
0.23B
69.3xD
P/E
24.5xB+
1.31B
PEG
3.26D
Winner per row is the stronger grade; where grades tie, the better figure breaks it. A true tie or a missing value shows no highlight.
Valuation · DCF cross-check
ALHC
OSCR
28% below
Price vs fair valuelower is cheaper
76% below
~7%/yr
Growth the price implies10-yr FCF · lower = less priced in
decline
+5%
1-yr DCF upside
+300%
+38%
5-yr DCF upside
+322%
+105%
10-yr DCF upside
+352%
These two disagree on this pair: the Value pillar ranks cheapness against sector peers, while price-vs-fair-value is an absolute read. A name can be the better value in its sector and still the dearer one on cash flows.
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 $2.7b. Down 48% 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 $24.08 (implying +83% 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 69.3x prices in sustained high growth — any quarter that disappoints triggers sharp re-rating. Down 48% 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 $9.8b. 5% off the 52-week high of $33.55. Revenue growing +27% — in hypergrowth territory. 10 sell-side analysts rate this a Hold with a mean 1-yr target of $30.40 (implying -4% upside).
Moat
ROE 34% — top-decile capital efficiency. Either pricing leverage, low capital intensity, or aggressive buybacks; the durability story depends on which. 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
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. Net margin 3.6% is thin — operating leverage cuts both ways; input-cost inflation or pricing pressure hits the bottom line first.
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.
Where ALHC and OSCR diverge
On the headline score the gap is 7.0 points in favor of OSCR. They get there differently, though — each leads on a different pillar, so the better pick depends on which you weight.
- QualityALHC 45.6 · OSCR 79.3OSCR +33.7
- ValueALHC 57.8 · OSCR 46.2ALHC +11.6
- GrowthALHC 96.5 · OSCR 95.3level
Pillars run 0–100 against sector peers, so a score is a statement about a company relative to its own industry rather than to the other name here. A wide Value gap usually means the market already prices the difference in quality or growth — which is the trade-off this comparison comes down to.