Verdict: Side-by-side breakdown using the Bull Rankings model. PGNY scored 67.0, OSCR scored 87.6 — OSCR leads.
Compare another set
PGNY
Progyny, Inc.
Healthcare Plans · Quality-Growth
67
$27.93 · $2.1B
fundamentals as of
Score gap
20.6
OSCR leads
OSCR
Oscar Health, Inc.
Healthcare Plans · Quality-Growth
87.6
$33.37 · $10.3B
fundamentals as of
At a glance · who leads each dimension, on the model's own rules
CheapestOSCR25.9x
Fastest growthOSCR+27.5%
Strongest balance sheetPGNY0.06
Highest qualityPGNY86 / 100
Largest discount to fair valueOSCR-83%
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)
PGNY
stronger →← stronger
OSCR
86
Qualityreturns · margins · balance sheet
80
62
Growthrevenue & earnings expansion
95
57
Valuevaluation vs sector peers
88
OSCR is stronger on 2 of 3 pillars.
Fundamentals, head-to-head
PGNY
OSCR
$178mC
FCF
$4.4bB
+5.5%C+
Rev
+27.5%A-
0.06A-
D/E
0.23B
30.4xB
P/E
25.9xB
2.69C
PEG
1.96C+
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
PGNY
OSCR
30% below
Price vs fair valuelower is cheaper
83% below
~-1%/yr
Growth the price impliesyr-1 FCF growth, fading to 4% · lower = less priced in
decline
+30%
1-yr DCF upside
+372%
+43%
5-yr DCF upside
+506%
+65%
10-yr DCF upside
+751%
The DCF is a cross-check on intrinsic value, separate from the quality-growth score above.
Model signals
PGNY
Why this score
Buying back stock
Durable high returns
OSCR
No notable signals flagged.
The companies
PGNYProgyny, Inc.
Healthcare Plans · $27.93 · beta 1.02
Why now
Healthcare Plans · market cap $2.1b. 16% off the 52-week high of $33.06. 12 sell-side analysts rate this a Strong Buy with a mean 1-yr target of $34.42 (implying +23% upside).
Moat
ROE 17% is above 15% — the equity base is compounding at a rate the market struggles to discount accurately. Free cash flow runs well ahead of reported net income, mostly because of stock-based pay ($107m) — a real cost to shareholders, paid in shares rather than cash.
Risk
Trailing P/E 30x sits well above the S&P median (~20x) — multiple compression is a real risk if revenue growth decelerates.
OSCROscar Health, Inc.
Healthcare Plans · $33.37 · beta 2.47
Why now
Healthcare Plans · market cap $10.3b. 3% off the 52-week high of $34.48. Revenue growing +27% — in hypergrowth territory. 10 sell-side analysts rate this a Hold with a mean 1-yr target of $35.40 (implying +6% 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, mostly because of cash released from working capital ($3.7b) — a release that doesn't repeat every year the way earnings can.
Risk
Beta 2.47 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
OSCR leads PGNY by 5.7 points (70.6 to 64.9), its sharpest advantage coming in Rev (grade A-). A contrarian could still prefer PGNY, which trades about 35% below our DCF fair value — a margin of safety the score doesn't reward.
Our AI analyst is busy right now, so this verdict is drawn directly from the pillars, grades and DCF above.
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 PGNY and OSCR diverge
On the headline score the gap is 20.6 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.
GrowthPGNY 61.7 · OSCR 95.3OSCR +33.6
ValuePGNY 56.5 · OSCR 87.9OSCR +31.4
QualityPGNY 86.1 · OSCR 80.4PGNY +5.7
Pillars run 0–100. Value is judged against each company's own sector, so a Value 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.
Common questions
Is OSCR or PGNY the better stock?
OSCR scores higher: OSCR 87.6, PGNY 67.0 out of 100 on the Bull Rankings quality-growth score, which blends business quality, growth and valuation into one number. A higher score means a stronger business at a more reasonable price — it is not a price target or a recommendation.
Where do OSCR and PGNY differ most?
The widest gap is growth, where OSCR leads by 34 points on the 0–100 pillar scale. Neither name sweeps: they trade the lead across the three pillars, so the comparison is a trade-off rather than one being better on every measure.
How are OSCR and PGNY scored?
Each carries the same 0–100 quality-growth score used everywhere on the site, built from three pillars — quality (profitability and returns on capital), growth (revenue and earnings), and value (what you pay for them) — combined as a geometric mean, so a weak pillar cannot be papered over by a strong one.
How current is this comparison?
The whole universe is re-scored every trading day after the US market close, so the scores and fundamentals here reflect the latest published edition.