Cigna Group (CI) vs Oscar Health, Inc. (OSCR)

Cigna Group and Oscar Health, Inc. are both Healthcare Plans companies. Cigna Group is the larger, with a market value of $69.9B against $8.9B — 7.8× the size. Cigna Group trades at the lower P/E: 11.3× against 17.3×. Oscar Health, Inc. grew revenue faster over the last twelve months: 42.8% against 7.77%. Oscar Health, Inc. has the higher net margin (3.60% vs 2.27%) and the lower return on invested capital (0.00% vs 9.09%). Across the 22 metrics below, Cigna Group leads on 11 and Oscar Health, Inc. on 11.

Valuation

Metric CI OSCR Healthcare Plans median
P/E 11.25 17.31 23.75
P/S 0.25 0.58 0.40
P/B 1.67 4.35 2.48
Price to free cash flow 7.85 2.04 11.15
EV/EBITDA 7.66 8.39 10.94
EV/Sales 0.34 0.35 0.37
Earnings yield 8.89% 5.78% 3.25%
Free cash flow yield 12.74% 48.96% 8.15%

Profitability

Metric CI OSCR Healthcare Plans median
Gross margin 88.51% 20.16% 19.04%
Operating margin 3.53% 4.11% 1.93%
Net margin 2.27% 3.60% 1.04%
Free cash flow margin 3.23% 28.59% 3.18%
Return on equity 15.40% 34.24% 12.48%
Return on assets 4.16% 6.25% 2.98%
Return on invested capital 9.09% 0.00% 2.04%

Growth

Metric CI OSCR Healthcare Plans median
Revenue growth (TTM) 7.77% 42.82% 7.57%
EPS growth (last fiscal year) 83.00% (1,790.00%) —
Revenue growth, 5-year CAGR 11.38% 90.80% 11.88%
Net income growth, 5-year CAGR (6.77%) 0.00% 0.00%

Health

Metric CI OSCR Healthcare Plans median
Debt to equity 0.74 0.21 0.70
Current ratio 0.74 0.57 1.32
Net debt to EBITDA 1.99 5.92 0.05

Dividend

Metric CI OSCR Healthcare Plans median
Dividend yield 2.03% — 1.53%
Payout ratio 0.22 0.00 0.00

Size

Metric CI OSCR Healthcare Plans median
Market cap 69.89b 8.94b 20.34b

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