Oscar Health Inc (OSCR)vsUnitedHealth Group Incorporated (UNH)
OSCR
Oscar Health Inc
$12.21
+1.50%
HEALTHCARE · Cap: $3.58B
UNH
UnitedHealth Group Incorporated
$270.55
-0.64%
HEALTHCARE · Cap: $250.15B
Smart Verdict
WallStSmart Research — data-driven comparison
UnitedHealth Group Incorporated generates 3725% more annual revenue ($447.57B vs $11.70B). UNH leads profitability with a 2.7% profit margin vs -3.8%. UNH earns a higher WallStSmart Score of 59/100 (C).
OSCR
Hold45
out of 100
Grade: D
UNH
Buy59
out of 100
Grade: C
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Intrinsic value data unavailable for OSCR.
Margin of Safety
-202.7%
Fair Value
$89.96
Current Price
$270.55
$180.59 premium
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
17.3% revenue growth
Earnings expanding 47.2% YoY
Mega-cap, among the largest globally
Growing faster than its price suggests
Reasonable price relative to book value
Areas to Watch
Weak financial health signals
ROE of -44.4% — below average capital efficiency
Distress zone — elevated risk
Currently unprofitable
2.7% margin — thin
Operating margin of 0.3%
Earnings declined 99.9%
Comparative Analysis Report
WallStSmart ResearchBull Case : OSCR
The strongest argument for OSCR centers on Revenue Growth, EPS Growth. Revenue growth of 17.3% demonstrates continued momentum.
Bull Case : UNH
The strongest argument for UNH centers on Market Cap, PEG Ratio, Price/Book. Revenue growth of 12.3% demonstrates continued momentum. PEG of 0.98 suggests the stock is reasonably priced for its growth.
Bear Case : OSCR
The primary concerns for OSCR are Piotroski F-Score, Return on Equity, Altman Z-Score.
Bear Case : UNH
The primary concerns for UNH are Profit Margin, Operating Margin, EPS Growth. Thin 2.7% margins leave little buffer for downturns.
Key Dynamics to Monitor
OSCR profiles as a growth stock while UNH is a value 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
UNH scores higher overall (59/100 vs 45/100) and 12.3% revenue growth. Both earn "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.
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.
Visit Website →UnitedHealth Group Incorporated
HEALTHCARE · HEALTHCARE PLANS · USA
UnitedHealth Group Incorporated is an American for-profit multinational managed healthcare and insurance company based in Minnetonka, Minnesota. It offers health care products and insurance services. In 2020, it was the second-largest healthcare company (behind CVS Health) by revenue with $257.1 billion, and the largest insurance company by net premiums. UnitedHealthcare revenues comprise 80% of the Group's overall revenue.
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