Not a bad company to hold but also not explosive growth. Now that multiples have caught up, it got less obvious they outperform broad index. Will add to my cagh pile to consolidate and start new positions
I sat across a pharmacist last year. Sharp. Successful. Making well over $150,000 annually. She had a financial advisor, an accountant, and a full benefits package. But, she had never heard of tax-efficient investing. Not even the term. Her entire TFSA was holding a GIC earning 3.5%. Her RRSP held a growth ETF that she has been building for six years. She had it all backwards, and no one told her. Here's what tax-efficient investing means: Every account you hold in Canada has a different tax treatment. Your TFSA shelters growth permanently. Your RRSP defers tax. Your non-registered account taxes dividends, interest, and gains differently. The asset you put inside each account should be based on how that account is taxed. For example, Growth assets (highest potential gains) belong in the TFSA. Interest-generating assets belong in the RRSP. Canadian dividend-paying stocks usually work well in non-registered accounts because of the dividend tax credit. In summary, in Canada, when you put assets in the right account, you keep more of what you earn. For the Pharmacist? A single restructuring conversation could have changed her after-tax retirement income. Â Curios, what account structure are you currently using and have you ever reviewed whether it's the right fit for where you are now? Thoughts below..read more
$OSCR earnings expectations are moving FAST. The consensus estimate for Oscar’s current year earnings has jumped 227.7% over the last 60 days. That’s the kind of revision I pay attention to. The stock moving higher is nice, but analysts having to materially raise their expectations for the actual business is much more important. $OSCR was also added to Zacks’ #1 Strong Buy list today. Still one of my highest conviction turnaround plays.
$OSCR reports earnings tomorrow morning. It’s now over 11% of my portfolio. I’ll be watching: - Revenue growth - Medical Loss Ratio (MLR) - Membership growth - Guidance Tomorrow is another opportunity for Oscar to prove its growth can continue improving. read more
$MRNA I really like how Moderna is setting up here for several reasons: • Strong sector / industry backdrop • Undercut and reclaim of the ~$58 key support/resistance level • Holding just above the 9/20 EMA cloud • Bullish RSI divergence • MACD starting to turn positive The technical picture is becoming increasingly constructive. If buyers continue to defend this reclaimed level, $MRNA could be setting up for a strong move higher. 👀 read more
Exiting JNJ after a nice run up, trading a little expensive right now vs historically. Rotating proceeds into cash for now as we head into mid terms #markets #healthcare
Amazing earnings call today for $OSCR KEY METRICS - EPS: $1.10/share compared to $0.41 estimate - Revenue: $4.88B (70.4%) yoy growth compared to $4.74B estimate - EBITDA $415.3M compared to $170.9M estimate (smashed expectations) We saw the stock soaring to $36 in pre market which has now decreased to $28.50, we see some profit taking here. Im still holding. read more
Compass Pathways: There Are Different Scenarios To Be Considered In Clinical, Regulatory, And Commercialization Aug 25, 2026, 1:42 PM ET $CMPS Summary Compass Pathways plc is rated Strong Buy with a $25–$30 fair value, reflecting a significant upside to current levels. Compass Pathways' COMP360 offers a capacity advantage over Spravato, enabling four times more patients per monitored hour and supporting higher peak sales estimates. Regulatory momentum is strong, but timing risk exists due to DEA rescheduling, which could create interim share price volatility. Key upside catalysts include a two-dose label and permanent reimbursement codes, both of which could materially lift the base case valuation. https://seekingalpha.com/article/4940062-compass-pathways-there-are-different-scenarios-to-be-considered-in-clinical-regulatory-and-commercialization?utmread more
I have always stayed away from small cap Biotech stocks. Mainly because it’s hard and your money is depending on things like clinical tests and medical trials being successful. Much different than a business establishing new products and increasing profit margin. But Biodesix is an interesting one. They specialize in blood based testing for lung disease and lung cancer. Since they cut shares almost a year ago from 156 mil to 8 mil, the stock is reaching new highs. Revenue is up 34% YOY along with expanding gross margin at 82%. Not bad.
This massive move in Moderna could cause more retail money to rotate into the healthcare sector. I also think MRNA could see a decent bounce after finding its footing.
Preventative healthcare that actually works. The business model creates a win for everyone. For the patient, for $OMDA, and for the insurance provider. Stock up about 15-20% after the strongest earning in their history. Worth a look.
$OSCR has generated more than $1 billion in net income through just six months of 2026. First-half results: Revenue: $9.53B Operating earnings: $1.09B Net income: $1.04B Adjusted EBITDA: $1.14B Diluted EPS: $3.16 The Oscar turnaround is no longer something investors have to project. It is showing up clearly in the financials.read more
$OSCR isn’t cheap because it trades like a mature health insurer. It’s cheap because I don’t think the valuation fully reflects how much earlier Oscar is in its growth curve. Oscar does trade at a premium to some peers on sales and forward earnings. But that makes sense. $UNH, $ELV, $HUM and others are already massive, mature businesses growing much slower. Oscar is still scaling rapidly, expanding margins and only beginning to show what earnings could look like at maturity. And even with that growth advantage, $OSCR trades around 9.6x EV/EBITDA, below several of those larger peers. So in a way, Oscar actually is cheap. You’re paying a relatively modest valuation for a company that could still have years of above-industry growth and margin expansion ahead of it. That’s a setup I really like. read more
I genuinely do not understand how $OSCR is down around 10% after these earnings. Revenue grew 70%. MLR improved from 91.1% to 79.2%. SG&A ratio fell to a record 14.2%. Management also raised full-year earnings from operations guidance from $250M–$450M to $500M–$700M and improved MLR guidance. This was an awesome quarter with an even better outlook. The stock reaction makes absolutely no sense to me.
As a retail investor I gotta think as high as Eli Lilly is, it has nowhere to go but up. Their drugs haven’t even begun to get to all of the people that need them. And they still have Retatutride on deck. Thoughts?
$OSCR just delivered another incredible quarter. - Revenue: $4.88B (+70% YoY) - EPS: $1.10 vs. $0.40 expected - MLR: 79.2% vs. 81.2% expected - Raised full-year operating earnings guidance by $250M at the midpoint This is exactly what I wanted to see. A $250M increase to operating earnings guidance… While leaving revenue guidance unchanged. That’s the part of this report that impressed me the most. Long $OSCR. read more
