Novartis AG ADR (NVS)vsOscar Health Inc (OSCR)
NVS
Novartis AG ADR
$156.08
+3.22%
HEALTHCARE · Cap: $286.29B
OSCR
Oscar Health Inc
$30.48
-2.78%
HEALTHCARE · Cap: $9.84B
Smart Verdict
WallStSmart Research — data-driven comparison
Novartis AG ADR generates 270% more annual revenue ($56.69B vs $15.32B). NVS leads profitability with a 22.5% profit margin vs 3.6%. NVS trades at a lower P/E of 22.8x. OSCR earns a higher WallStSmart Score of 64/100 (C+).
NVS
Buy51
out of 100
Grade: C-
OSCR
Buy64
out of 100
Grade: C+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
-67.2%
Fair Value
$93.84
Current Price
$156.08
$62.24 premium
Intrinsic value data unavailable for OSCR.
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Mega-cap, among the largest globally
Every $100 of equity generates 31 in profit
Strong operational efficiency at 34.6%
Keeps 23 of every $100 in revenue as profit
Generating 5.6B in free cash flow
Revenue surging 70.4% year-over-year
Earnings expanding 125.6% YoY
Conservative balance sheet, low leverage
Generating 2.0B in free cash flow
Areas to Watch
0.8% revenue growth
Grey zone — moderate risk
Elevated debt levels
Expensive relative to growth rate
3.6% margin — thin
Weak financial health signals
ROE of -2.4% — below average capital efficiency
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : NVS
The strongest argument for NVS centers on Market Cap, Return on Equity, Operating Margin. Profitability is solid with margins at 22.5% and operating margin at 34.6%.
Bull Case : OSCR
The strongest argument for OSCR centers on Revenue Growth, EPS Growth, Debt/Equity. Revenue growth of 70.4% demonstrates continued momentum.
Bear Case : NVS
The primary concerns for NVS are Revenue Growth, Altman Z-Score, Debt/Equity.
Bear Case : OSCR
The primary concerns for OSCR are Profit Margin, Piotroski F-Score, Return on Equity. Thin 3.6% margins leave little buffer for downturns.
Key Dynamics to Monitor
NVS profiles as a value stock while OSCR is a hypergrowth play — different risk/reward profiles.
OSCR carries more volatility with a beta of 2.47 — expect wider price swings.
OSCR is growing revenue faster at 70.4% — sustainability is the question.
NVS generates stronger free cash flow (5.6B), providing more financial flexibility.
Bottom Line
OSCR scores higher overall (64/100 vs 51/100) and 70.4% revenue growth. Both earn "Buy" and "Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Novartis AG ADR
HEALTHCARE · DRUG MANUFACTURERS - GENERAL · USA
Novartis AG researches, develops, manufactures and markets medical devices worldwide. The company is headquartered in Basel, Switzerland.
Visit Website →Oscar Health Inc
HEALTHCARE · HEALTHCARE PLANS · USA
Oscar Health, Inc. offers health insurance products and services to individuals, families, and businesses in the United States. The company is headquartered in New York, New York.
Visit Website →Compare with Other DRUG MANUFACTURERS - GENERAL Stocks
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