Elevance Health Inc (ELV)vsOscar Health Inc (OSCR)
ELV
Elevance Health Inc
$296.09
-0.62%
HEALTHCARE · Cap: $64.08B
OSCR
Oscar Health Inc
$12.21
+1.50%
HEALTHCARE · Cap: $3.58B
Smart Verdict
WallStSmart Research — data-driven comparison
Elevance Health Inc generates 1602% more annual revenue ($199.13B vs $11.70B). ELV leads profitability with a 2.8% profit margin vs -3.8%. ELV earns a higher WallStSmart Score of 67/100 (B-).
ELV
Strong Buy67
out of 100
Grade: B-
OSCR
Hold45
out of 100
Grade: D
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+74.9%
Fair Value
$1179.36
Current Price
$296.09
$883.27 discount
Intrinsic value data unavailable for OSCR.
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Large-cap with strong market position
Earnings expanding 36.3% YoY
17.3% revenue growth
Earnings expanding 47.2% YoY
Areas to Watch
2.8% margin — thin
Operating margin of 1.5%
Weak financial health signals
Negative free cash flow — burning cash
Weak financial health signals
ROE of -44.4% — below average capital efficiency
Distress zone — elevated risk
Currently unprofitable
Comparative Analysis Report
WallStSmart ResearchBull Case : ELV
The strongest argument for ELV centers on P/E Ratio, Price/Book, Market Cap. PEG of 1.17 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 : ELV
The primary concerns for ELV are Profit Margin, Operating Margin, Piotroski F-Score. Thin 2.8% margins leave little buffer for downturns.
Bear Case : OSCR
The primary concerns for OSCR are Piotroski F-Score, Return on Equity, Altman Z-Score.
Key Dynamics to Monitor
ELV profiles as a value stock while OSCR is a growth play — different risk/reward profiles.
OSCR carries more volatility with a beta of 1.90 — expect wider price swings.
OSCR is growing revenue faster at 17.3% — sustainability is the question.
OSCR generates stronger free cash flow (663M), providing more financial flexibility.
Bottom Line
ELV scores higher overall (67/100 vs 45/100). 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.
Elevance Health Inc
HEALTHCARE · HEALTHCARE PLANS · USA
Elevance Health Inc. is a health benefits company. The company is headquartered in Indianapolis, Indiana.
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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