COMPARE · Reviewed August 3, 2026
OSCR vs PGNY
Verdict: Side-by-side breakdown using the Bull Rankings model. OSCR scored 74.7, PGNY scored 63.3 — OSCR leads.
Compare another set
OSCR
Oscar Health, Inc.
74.7
$30.48 · $9.2B
fundamentals as of
Score gap
11.4
OSCR leads
PGNY
Progyny, Inc.
63.3
$31.55 · $2.5B
fundamentals as of
The model, pillar by pillar (0–100 each)
OSCR
stronger →← stronger
PGNY
42
Qualityreturns · margins · balance sheet
82
100
Growthrevenue & earnings expansion
72
100
Valuevaluation vs sector peers
43
OSCR is stronger on 2 of 3 pillars.
Fundamentals, head-to-head
OSCR
PGNY
$2.8bB
FCF
$184mC
+27.5%A-
Rev
+6.6%C+
0.29B
D/E
0.06A-
0.7xA
P/S
—
—
PEG
3.94D
—
P/E
41.0xC
Winner per row is the stronger grade in our model; a tie or a missing value shows no highlight.
Valuation · DCF cross-check
OSCR
PGNY
76% below
Price vs fair valuelower is cheaper
20% below
~-22%/yr
Growth the price implies10-yr FCF · lower = less priced in
~1%/yr
+217%
1-yr DCF upside
+15%
+310%
5-yr DCF upside
+25%
+480%
10-yr DCF upside
+40%
The DCF is a cross-check on intrinsic value, separate from the quality-growth score above.
Model signals
OSCR
No notable signals flagged.
PGNY
Why this score
- Buying back stock
- Durable high returns
The companies
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.
PGNYProgyny, Inc.
Why now
Healthcare Plans · market cap $2.5b. 5% off the 52-week high of $33.06. 11 sell-side analysts rate this a Strong Buy with a mean 1-yr target of $34.00 (implying +8% upside).
Moat
ROE 15% 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 41x sits well above the S&P median (~20x) — multiple compression is a real risk if revenue growth decelerates.
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.