COMPARE · Data as of August 24, 2026
ELV vs OSCR
Verdict: Side-by-side breakdown using the Bull Rankings model. ELV scored 62.1, OSCR scored 70.4 — OSCR leads.
Compare another set
ELV
Elevance Health, Inc.
62.1
$402.63 · $87.3B
fundamentals as of
Score gap
8.3
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
- CheapestELV17.8x
- Fastest growthOSCR+27.5%
- 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)
ELV
stronger →← stronger
OSCR
55
Qualityreturns · margins · balance sheet
79
86
Growthrevenue & earnings expansion
95
51
Valuevaluation vs sector peers
46
OSCR is stronger on 2 of 3 pillars.
Fundamentals, head-to-head
ELV
OSCR
$6.3bB+
FCF
$4.4bB
+12.6%B+
Rev
+27.5%A-
0.69C+
D/E
0.23B
17.8xA-
P/E
24.5xB+
1.42B
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
ELV
OSCR
38% below
Price vs fair valuelower is cheaper
76% below
~-5%/yr
Growth the price implies10-yr FCF · lower = less priced in
decline
+48%
1-yr DCF upside
+300%
+60%
5-yr DCF upside
+322%
+80%
10-yr DCF upside
+352%
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 $87.3b. 8% 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 +12% 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. $87.3b 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 $9.8b. 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 ELV and OSCR diverge
On the headline score the gap is 8.3 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.
- QualityELV 54.8 · OSCR 79.3OSCR +24.5
- GrowthELV 86.0 · OSCR 95.3OSCR +9.3
- ValueELV 50.7 · OSCR 46.2ELV +4.5
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.