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Clover Health Investments, Corp. (CLOV) vs Oscar Health, Inc. (OSCR)

Clover Health Investments, Corp. and Oscar Health, Inc. are both Healthcare Plans companies. Oscar Health, Inc. is the larger, with a market value of $10.2B against $2.4B — 4.3× the size. Clover Health Investments, Corp. has negative trailing earnings, so its P/E is not meaningful; Oscar Health, Inc. trades at 11.0×. Oscar Health, Inc. grew revenue faster over the last twelve months: 54.8% against 54.5%. Oscar Health, Inc. has the higher net margin (4.90% vs 0.45%) and the lower return on invested capital (0.00% vs 1.99%). Across the 20 metrics below, Oscar Health, Inc. leads on 15 and Clover Health Investments, Corp. on 5.

Valuation

Metric CLOV OSCR Healthcare Plans median
P/E n/m 11.01 22.50
P/S 0.93 0.54 0.40
P/B 6.50 4.26 2.77
Price to free cash flow 19.21 2.29 14.76
EV/EBITDA 181.97 8.60 12.61
EV/Sales 0.85 0.31 0.36
Earnings yield (1.05%) 9.08% 3.79%
Free cash flow yield 5.21% 43.73% 6.62%

Profitability

Metric CLOV OSCR Healthcare Plans median
Gross margin 18.86% 20.57% 19.35%
Operating margin 0.45% 5.36% 2.48%
Net margin 0.45% 4.90% 1.45%
Free cash flow margin 4.83% 23.70% 3.26%
Return on equity 3.40% 52.60% 13.58%
Return on assets 1.90% 10.86% 3.11%
Return on invested capital 1.99% 0.00% 5.93%

Growth

Metric CLOV OSCR Healthcare Plans median
Revenue growth (TTM) 54.46% 54.77% 6.77%
EPS growth (last fiscal year) (70.00%) (1,790.00%) (8.27%)
Revenue growth, 5-year CAGR 23.39% 90.80% 11.88%
Net income growth, 5-year CAGR 0.00% 0.00% 0.00%

Health

Metric CLOV OSCR Healthcare Plans median
Debt to equity 0.00 0.19 0.67
Current ratio 1.55 0.00 1.32
Net debt to EBITDA 1.40 5.92 0.05

Dividend

Metric CLOV OSCR Healthcare Plans median
Dividend yield — — 2.11%
Payout ratio — — 0.31

Size

Metric CLOV OSCR Healthcare Plans median
Market cap 2.38b 10.24b 24.02b

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