COMPARE · Reviewed July 29, 2026
OSCR vs VEEV
Verdict: Side-by-side breakdown using the Bull Rankings model. OSCR scored 74.4, VEEV scored 81.9 — VEEV leads.
Compare another set
OSCR
Oscar Health, Inc.
74.4
$30.57 · $9.2B
fundamentals as of
Score gap
7.5
VEEV leads
VEEV
Veeva Systems Inc.
81.9
$207.91 · $33.8B
fundamentals as of
The model, pillar by pillar (0–100 each)
OSCR
stronger →← stronger
VEEV
41
Qualityreturns · margins · balance sheet
77
100
Growthrevenue & earnings expansion
94
100
Valuevaluation vs sector peers
75
OSCR is stronger on 2 of 3 pillars.
Fundamentals, head-to-head
OSCR
VEEV
$2.8bB
FCF
$1.7bC+
+27.5%A-
Rev
+16.2%B+
0.29B
D/E
0.01A-
0.7xA
P/S
—
—
PEG
0.88B+
—
P/E
36.9xC+
Winner per row is the stronger grade in our model; a tie or a missing value shows no highlight.
Valuation · DCF cross-check
OSCR
VEEV
76% below
Price vs fair valuelower is cheaper
11% above
~-22%/yr
Growth the price implies10-yr FCF · lower = less priced in
~10%/yr
+216%
1-yr DCF upside
-18%
+309%
5-yr DCF upside
-10%
+478%
10-yr DCF upside
+4%
The DCF is a cross-check on intrinsic value, separate from the quality-growth score above.
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 -18% 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 2.34 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.
VEEVVeeva Systems Inc.
Why now
Health Information Services · market cap $33.8b. Down 33% from 52-week high of $310.50 — deep drawdown territory. Revenue growing +16%, comfortably above the S&P median. PEG 0.88 — paying under fair value for the growth rate. 28 sell-side analysts rate this a Buy with a mean 1-yr target of $244.14 (implying +17% upside).
Moat
Net margin 28% sits well above the S&P median (~11%) — suggests structural pricing advantage or cost discipline competitors can't quickly close. ROE 13% meets the long-run market sustainable threshold — solid but not differentiated; the durability comes from elsewhere. FCF converts 177% of net income — earnings translate cleanly into cash, a sign that working capital and capex are well-disciplined.
Risk
Down 33% from the 52-week high — the market is pricing in something the screen can't see; verify the bear case before sizing up. Trailing P/E 37x sits well above the S&P median (~20x) — multiple compression is a real risk if revenue growth decelerates. P/S 10.2x embeds aggressive forward growth — disappointing top-line guidance would compress the multiple hard.
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.