WallStSmart

Centene Corp (CNC)vsOscar Health Inc (OSCR)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Centene Corp generates 1405% more annual revenue ($176.15B vs $11.70B). OSCR leads profitability with a -3.8% profit margin vs -3.8%. CNC earns a higher WallStSmart Score of 65/100 (B-).

CNC

Strong Buy

65

out of 100

Grade: B-

Growth: 8.0Profit: 2.5Value: 6.7Quality: 5.8
Piotroski: 4/9Altman Z: 2.71

OSCR

Hold

45

out of 100

Grade: D

Growth: 9.3Profit: 2.0Value: 5.0Quality: 4.5
Piotroski: 3/9Altman Z: 0.96

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

CNC4 strengths · Avg: 8.5/10
Price/BookValuation
0.8x10/10

Reasonable price relative to book value

PEG RatioValuation
0.748/10

Growing faster than its price suggests

Revenue GrowthGrowth
23.2%8/10

Revenue surging 23.2% year-over-year

EPS GrowthGrowth
21.8%8/10

Earnings expanding 21.8% 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

CNC3 concerns · Avg: 1.3/10
Return on EquityProfitability
-28.7%2/10

ROE of -28.7% — below average capital efficiency

Profit MarginProfitability
-3.8%1/10

Currently unprofitable

Operating MarginProfitability
-1.9%1/10

Operating margin of -1.9%

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 : CNC

The strongest argument for CNC centers on Price/Book, PEG Ratio, Revenue Growth. Revenue growth of 23.2% demonstrates continued momentum. PEG of 0.74 suggests the stock is reasonably priced for its growth.

Bull Case : OSCR

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

Bear Case : CNC

The primary concerns for CNC are Return on Equity, Profit Margin, Operating Margin.

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 1.90 — expect wider price swings.

CNC is growing revenue faster at 23.2% — sustainability is the question.

OSCR generates stronger free cash flow (663M), providing more financial flexibility.

Monitor HEALTHCARE PLANS industry trends, competitive dynamics, and regulatory changes.

Bottom Line

CNC scores higher overall (65/100 vs 45/100) and 23.2% 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.

Centene Corp

HEALTHCARE · HEALTHCARE PLANS · USA

Centene Corporation is a large publicly traded company and a multi-line managed care enterprise that serves as a major intermediary for both government-sponsored and privately insured health care programs. It is a healthcare insurer that focuses on managed care for uninsured, underinsured, and low-income individuals.

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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