WallStSmart

Eli Lilly and Company (LLY)vsOscar Health Inc (OSCR)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Eli Lilly and Company generates 457% more annual revenue ($65.18B vs $11.70B). LLY leads profitability with a 31.7% profit margin vs -3.8%. LLY earns a higher WallStSmart Score of 78/100 (B+).

LLY

Strong Buy

78

out of 100

Grade: B+

Growth: 10.0Profit: 10.0Value: 5.0Quality: 6.5
Piotroski: 6/9Altman Z: 2.06

OSCR

Hold

42

out of 100

Grade: D

Growth: 9.3Profit: 2.0Value: 5.0Quality: 4.0
Piotroski: 3/9Altman Z: 0.96

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

LLY6 strengths · Avg: 10.0/10
Market CapQuality
$760.43B10/10

Mega-cap, among the largest globally

Return on EquityProfitability
101.2%10/10

Every $100 of equity generates 101 in profit

Profit MarginProfitability
31.7%10/10

Keeps 32 of every $100 in revenue as profit

Operating MarginProfitability
44.9%10/10

Strong operational efficiency at 44.9%

Revenue GrowthGrowth
42.6%10/10

Revenue surging 42.6% year-over-year

EPS GrowthGrowth
51.4%10/10

Earnings expanding 51.4% YoY

OSCR2 strengths · Avg: 8.0/10
Revenue GrowthGrowth
17.3%8/10

17.3% revenue growth

EPS GrowthGrowth
47.2%8/10

Earnings expanding 47.2% YoY

Areas to Watch

LLY3 concerns · Avg: 3.0/10
P/E RatioValuation
37.0x4/10

Premium valuation, high expectations priced in

Debt/EquityHealth
1.603/10

Elevated debt levels

Price/BookValuation
31.5x2/10

Trading at 31.5x book value

OSCR4 concerns · Avg: 2.0/10
Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

Return on EquityProfitability
-44.4%2/10

ROE of -44.4% — below average capital efficiency

Altman Z-ScoreHealth
0.962/10

Distress zone — elevated risk

Profit MarginProfitability
-3.8%1/10

Currently unprofitable

Comparative Analysis Report

WallStSmart Research

Bull Case : LLY

The strongest argument for LLY centers on Market Cap, Return on Equity, Profit Margin. Profitability is solid with margins at 31.7% and operating margin at 44.9%. Revenue growth of 42.6% demonstrates continued momentum.

Bull Case : OSCR

The strongest argument for OSCR centers on Revenue Growth, EPS Growth. Revenue growth of 17.3% demonstrates continued momentum.

Bear Case : LLY

The primary concerns for LLY are P/E Ratio, Debt/Equity, Price/Book. Debt-to-equity of 1.60 is elevated, increasing financial risk.

Bear Case : OSCR

The primary concerns for OSCR are Piotroski F-Score, Return on Equity, Altman Z-Score.

Key Dynamics to Monitor

OSCR carries more volatility with a beta of 1.93 — expect wider price swings.

LLY is growing revenue faster at 42.6% — sustainability is the question.

LLY generates stronger free cash flow (678M), providing more financial flexibility.

Monitor DRUG MANUFACTURERS - GENERAL industry trends, competitive dynamics, and regulatory changes.

Bottom Line

LLY scores higher overall (78/100 vs 42/100), backed by strong 31.7% margins and 42.6% revenue growth. Both earn "Strong Buy" and "Hold" ratings respectively — the choice depends on your investment horizon and risk tolerance.

This analysis is generated from publicly available financial data. Not financial advice.

Eli Lilly and Company

HEALTHCARE · DRUG MANUFACTURERS - GENERAL · USA

Eli Lilly and Company is an American pharmaceutical company headquartered in Indianapolis, Indiana, with offices in 18 countries. Its products are sold in approximately 125 countries.

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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.

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