OSCR vs PGNY Stock Comparison
Compare OSCR and PGNY across AIQ Score, fundamentals, valuation, momentum, risk, analyst expectations and current market evidence.
What is the main difference between OSCR and PGNY?
OSCR leads the current stock comparison as Oscar Health, Inc., with the clearest separation coming from quality and the broader AIQ evidence mix.
AlgovestIQ AIQ Comparison
Oscar Health, Inc. vs Progyny, Inc.
OSCR leads
OSCR leads by 7 AIQ points, primarily on Quality and Momentum, but the lead has narrowed from 13 points over 30 sessions. Wall Street currently favors PGNY on target upside.
Fragile: 3 of 6 evidence groups support OSCR, its lead is narrowing, and its signal state is cleanly positive.
Oscar Health, Inc.
Progyny, Inc.
The Algovestiq AIQ Score currently favors OSCR over PGNY, 64 versus 57 as of Sep 11, 2026. OSCR's advantage is driven primarily by stronger quality and momentum, while PGNY holds the stronger risk resilience profile. OSCR also shows the stronger technical structure relative to its 50-day moving average, though analyst target upside currently favors PGNY. 3 of 6 covered evidence groups favor OSCR today, and the comparison is rated Fragile on stability: only 3 of 6 covered evidence groups agree. OSCR lead: Weakening — the AIQ differential moved from 13 to 7 points over 30 sessions.
Compare Oscar Health, Inc. and Progyny, Inc. across the Algovestiq AIQ Score, valuation, quality, momentum, risk, technicals and analyst expectations.
Performance over time
Price-return comparison using available daily close history.
Total return comparison
Growth of $10,000
Based on available close-price history. Distribution reinvestment is not added unless already reflected in the source series.
Compare OSCR and PGNY against another ticker
Open a multi-ticker workspace without changing this focused pair page.
AIQ Factor Divergence
Where the two separate, on the four dimensions behind the AIQ Score. Bars read outward from a shared zero: further from the centre is a wider gap.
- Risk Resilience28 vs 70PGNY +42
- Quality86 vs 56OSCR +30
- Momentum67 vs 58OSCR +9
- Value59 vs 51OSCR +8
3 of 6 evidence groups favor OSCR. OSCR’s edge is concentrated in quality and momentum; PGNY keeps a meaningful risk resilience edge.
What changed since the last close
Latest scored session 2026-09-10, compared against the prior scored session 2026-09-09.
Largest factor move: Momentum +7
No new signals fired.
Largest factor move: Momentum -3
No new signals fired.
OSCR's lead widened by 2 AIQ points in the latest snapshot.
Deeper signal detail for each name lives on its own signals page — OSCR and PGNY both carry a full feed there.
The central trade-off
OSCR (Oscar Health, Inc.): the stronger current systematic profile, led by quality and momentum.
PGNY (Progyny, Inc.): the counter-case, on risk resilience, fundamentals, analyst expectations.
The AIQ Score and Wall Street therefore point in different directions on this pair.
Which one fits your objective
The same two names rank differently depending on what you are optimizing for. All six reads are shown at once — none of them is hidden behind a toggle.
Balanced
OSCROSCR on the overall AIQ Score, which weights Quality and Value most heavily.
Growth
PGNYPGNY on combined revenue and EPS growth.
Value
OSCROSCR on the peer-relative Value factor, by 8 points.
Momentum
OSCROSCR on the Momentum factor, by 9 points.
Lower downside
PGNYPGNY on Risk Resilience, by 42 points.
Analyst upside
PGNYPGNY on implied upside to the consensus price target.
AIQ vs Wall Street
The model and the Street disagree here: AIQ favors OSCR, analyst targets favor PGNY. That disagreement is the most useful thing on this page.
| Measure | OSCR | PGNY | Note |
|---|---|---|---|
| Implied upside to target | -15.7% | +25.6% | PGNY has more room |
| Target dispersion | +83.2% | +37.8% | Lower is tighter analyst agreement |
| Consensus | Hold | Buy | Context, not a primary driver |
| Analysts covering | 8 | 7 | Higher coverage generally improves confidence |
The two are measuring different things. The AIQ Score reads current fundamentals, valuation, trend and risk; analyst targets price forward expectations. A divergence of this kind is either a contrarian opportunity or a sign the model is missing something already priced in — it is worth resolving before acting on either.
Analyst targets are expectations, not predictions. Dispersion matters as much as the midpoint.
AIQ Agreement Matrix
3 of 6 covered evidence groups favor OSCR. A wide gap backed by one group is a weaker case than a narrow gap backed by five.
| Evidence group | Favors | Reading |
|---|---|---|
| AIQ Score | OSCR | 64 vs 57 |
| Fundamentals | PGNYon balance | revenue growth 5% vs 6.7%; EPS growth -47.4% vs 20%; TTM ROE 38.5% vs 16%; gross margin 44.9% vs 24.6%; operating margin 4.1% vs 8.6% — PGNY takes 3 of 5 decided legs, not all of them |
| Valuation | OSCR | Value 59 vs 51 |
| Technicals | OSCR | Price vs 50-day 7.1% vs -5.1%; vs 200-day 56.9% vs 12.2% |
| Risk Resilience | PGNY | Risk Resilience 28 vs 70 |
| Analyst expectations | PGNY | Target upside -15.7% vs 25.6% |
✓ agrees with the overall verdict · ✕ points the other way. Groups marked “not covered” lack data on one or both of OSCR and PGNY and are excluded from the count.
AIQ Decision Stability
The conclusion is sensitive to small changes. Treat the lead as provisional and watch the flip conditions below.
- The AIQ gap is moderate at 7 points.
- Only 3 of 6 covered evidence groups agree. (argues the conclusion is provisional)
- The leader's advantage has been narrowing. (argues the conclusion is provisional)
- The leader's signal state is cleanly positive. (supports the conclusion holding)
- Analyst targets on the leader are widely dispersed. (argues the conclusion is provisional)
Stability combines the score gap, how broadly the evidence agrees, how steady the lead has been across daily snapshots, the current signal state on both names, and analyst dispersion on OSCR.
How the comparison changed
119 daily snapshots · May 4 – Sep 10OSCR lead: Weakening — the AIQ differential moved from 13 to 7 points over 30 sessions.
- Today
- OSCR +7
- 64 vs 57
- 7 sessions ago
- OSCR +8
- 64 vs 56
- 30 sessions ago
- OSCR +13
- 64 vs 51
- 90 sessions ago
- Level
- 65 vs 65
The lead changed hands 5 times in this window, most recently on Aug 7 when OSCR moved ahead of PGNY.
AIQ Signal Divergence
Only the signals that bear on the head-to-head. A conflicted name is carrying bullish and bearish rules at the same time — the technical evidence is not pointing one way.
5 bullish / 0 bearish / 2 neutral
- Golden Cross Active — bullish, trend, long horizon (47.34%)
- Bollinger Band Squeeze — neutral, volatility, short horizon
- EMA Ribbon Expansion Bullish — bullish, trend, medium horizon
2 bullish / 0 bearish / 1 neutral
- Golden Cross Active — bullish, trend, long horizon (19.42%)
- Bollinger Band Squeeze — neutral, volatility, short horizon
- MACD Bullish Crossover — bullish, momentum, short horizon
Price vs model alignment
Whether the latest session's price move confirms what the model did over the same session, or contradicts it.
Price and the AIQ Score both moved up over the latest session (price +0.58%, AIQ +1 points).
Price is up while the AIQ Score moved down 1 points over the same session — price and model disagree (price +1%, AIQ -1 points).
What would flip this result
A state, not a forecast. These are the specific, observable changes that would reverse the verdict — not a price prediction.
- 1PGNY closes the Quality gap — currently 30 points behind, the largest single contributor to OSCR's edge.
- 2PGNY's Bollinger Band Squeeze turns directional — it is neutral today and would confirm a change in trend.
- 3OSCR's Golden Cross Active breaks down — it is the strongest rule currently supporting the verdict.
- 4The narrowing continues — the lead has already given back 6 points over 30 sessions, and a further 7-point move would eliminate OSCR's advantage entirely.
The full evidence
Every number behind the verdict. The leader is called above each group so you are not left to solve it from the table.
Fundamentals
PGNY leads on balance| Metric | OSCR | PGNY |
|---|---|---|
| Revenue growth (YoY) | 5% | 6.7% |
| EPS growth (YoY) | -47.4% | 20% |
| Gross margin | 44.9% | 24.6% |
| Operating margin | 4.1% | 8.6% |
| Return on equity (TTM) | 38.5% | 16% |
| Debt to equity | 0.21 | 0.06 |
Performance
OSCR leads 6 of 6 windows| Metric | OSCR | PGNY |
|---|---|---|
| 1 week (5 sessions) | 7.4% | 3% |
| 1 month (20 sessions) | 10% | 6.5% |
| 3 months (63 sessions) | 17% | 4.6% |
| 6 months (126 sessions) | 143.1% | 51.1% |
| Year to date | 124.7% | 5.5% |
| 1 year (252 sessions) | 60.7% | 18.5% |
Technicals
OSCR has the stronger structure| Metric | OSCR | PGNY |
|---|---|---|
| RSI (14) | 55.4 | 60.3 |
| ADX (14) | 17.7 | 35.9 |
| Price vs 50-day | 7.1% | -5.1% |
| Price vs 200-day | 56.9% | 12.2% |
| Volatility (1M, annualized) | 49.1% | 31.1% |
Risk
PGNY is the more resilient| Metric | OSCR | PGNY |
|---|---|---|
| Beta | 1.48 | 0.37 |
| Sharpe ratio | 0.98 | 0.5 |
| Sortino ratio | 1.72 | 0.71 |
| Max drawdown | -51.7% | -42.6% |
| Current drawdown | -1.3% | -16.3% |
| Annualized volatility | 70.7% | 55.3% |
| Value at risk (95%) | -5.8% | -4% |
Straight answers
Each answer is regenerated from the current snapshot, not written once and left to age.
Which is better, OSCR or PGNY?
On the Algovestiq AIQ Score, OSCR is the stronger of the two as of Sep 11, 2026, scoring 64 against PGNY's 57. The edge comes from quality and momentum. PGNY is not without a case — it holds the better risk resilience profile, which matters more if that is the objective you are optimizing for. This is a systematic score, not a recommendation: it ranks the two on the same evidence, it does not know your holding period or tax position.
Is OSCR or PGNY the better buy right now?
OSCR carries the stronger systematic profile as of Sep 11, 2026, and the comparison is rated Fragile — 3 of 6 covered evidence groups agree. A Fragile rating means the conclusion is sensitive: only 3 of 6 covered evidence groups agree. Treat the lead as provisional.
Why does the AIQ Score favor OSCR over PGNY?
The composite weights Quality, Value, Momentum and Risk Resilience. PGNY leads Risk Resilience by 42 points; OSCR leads Quality by 30 points; OSCR leads Momentum by 9 points. Where the two split, the factor with the larger weight carries the result.
Which has more analyst upside, OSCR or PGNY?
Analyst price targets imply -15.7% upside for OSCR and +25.6% for PGNY, so the Street currently favors PGNY. That points the opposite way to the AIQ Score, which favors OSCR. The two are measuring different things: the model reads current fundamentals, valuation, trend and risk; the Street is pricing forward expectations. A divergence of this kind is either a contrarian opportunity or a sign the model is missing something the analysts have already priced — it is the single most useful row on this page to investigate. Analyst targets are expectations, not predictions, and dispersion matters as much as the midpoint.
Which is better value, OSCR or PGNY?
OSCR is the better-valued of the two on the peer-relative Value factor. OSCR on the peer-relative Value factor, by 8 points. The Value factor reads valuation relative to sector peers and to the company's own fundamental quality, so it is not the same as simply having the lower multiple.
Which has stronger growth, OSCR or PGNY?
PGNY on combined revenue and EPS growth. Growth here is measured on reported revenue and earnings, not on forward estimates — it describes what the businesses have delivered, not what the Street expects next.
Which has stronger momentum, OSCR or PGNY?
OSCR on the Momentum factor, by 9 points. Momentum is one of the four weighted factors in the AIQ composite. It has documented persistence over three- to twelve-month horizons, which makes it a timing input rather than a reason to hold something indefinitely.
Which is riskier, OSCR or PGNY?
PGNY is the more resilient of the two, so the other name carries the higher downside risk. PGNY on Risk Resilience, by 42 points. Risk Resilience is a weighted factor in the composite; position sizing usually responds to it more usefully than the buy/avoid decision does.
Is OSCR more profitable than PGNY?
The profitability evidence is mixed: gross margin 44.9% vs 24.6%; operating margin 4.1% vs 8.6%; ttm roe 38.5% vs 16%. OSCR leads on two measures and PGNY on one measure, and there is no single profitability composite that resolves the split — which of the two reads as "more profitable" depends on whether you weight pricing power or operating leverage.
Is OSCR's lead over PGNY getting stronger or weaker?
OSCR lead: Weakening — the AIQ differential moved from 13 to 7 points over 30 sessions. This is measured from 119 daily comparison snapshots between 2026-05-04 and 2026-09-10. The lead has changed hands 5 times in that window, most recently on 2026-08-07, when OSCR moved ahead of PGNY.
What would change the OSCR vs PGNY verdict?
The result is a state, not a forecast, so it changes when the underlying evidence changes. Concretely: PGNY closes the Quality gap — currently 30 points behind, the largest single contributor to OSCR's edge; PGNY's Bollinger Band Squeeze turns directional — it is neutral today and would confirm a change in trend; OSCR's Golden Cross Active breaks down — it is the strongest rule currently supporting the verdict; the narrowing continues — the lead has already given back 6 points over 30 sessions, and a further 7-point move would eliminate OSCR's advantage entirely.
What do the current signals say about OSCR and PGNY?
OSCR: 5 bullish / 0 bearish / 2 neutral. PGNY: 2 bullish / 0 bearish / 1 neutral. The most decision-relevant rule on OSCR is Golden Cross Active (bullish, long horizon). On PGNY it is Golden Cross Active (bullish, long horizon).
Compare OSCR and PGNY with others
Continue your research
This page answers which of the two. These answer the questions on either side of it.
How this comparison is scored
The Algovestiq AIQ Score composites four factors — Quality, Value, Momentum and Risk, each carrying a fixed weight. Sentiment is reported separately as SentimentPulse and is not folded into the composite. Scores refresh every trading day, and this page regenerates from the latest snapshot rather than being written once.
The verdict names a leader, states how broadly six independent evidence groups agree, and rates how durable that conclusion is given the score gap, its recent trajectory and the current signal state on both names.
How to use side-by-side comparison →This comparison is informational and educational, not investment advice. AIQ scores update daily; re-check after earnings, guidance or macro data that materially changes either name’s factor profile.