Humana Inc. (HUM) vs Oscar Health, Inc. (OSCR)

Humana Inc. and Oscar Health, Inc. are both Healthcare Plans companies. Humana Inc. is the larger, with a market value of $45.7B against $8.9B — 5.1× the size. Oscar Health, Inc. trades at the lower P/E: 17.3× against 37.4×. Oscar Health, Inc. grew revenue faster over the last twelve months: 42.8% against 18.3%. Oscar Health, Inc. has the higher net margin (3.60% vs 0.88%) and the lower return on invested capital (0.00% vs 17.5%). Across the 22 metrics below, Oscar Health, Inc. leads on 15 and Humana Inc. on 7.

Valuation

Metric HUM OSCR Healthcare Plans median
P/E 37.36 17.31 23.75
P/S 0.33 0.58 0.40
P/B 2.48 4.35 2.48
Price to free cash flow 24.23 2.04 11.15
EV/EBITDA 10.94 8.39 10.94
EV/Sales 0.26 0.35 0.37
Earnings yield 2.68% 5.78% 3.25%
Free cash flow yield 4.13% 48.96% 8.15%

Profitability

Metric HUM OSCR Healthcare Plans median
Gross margin 13.65% 20.16% 19.04%
Operating margin 1.86% 4.11% 1.93%
Net margin 0.88% 3.60% 1.04%
Free cash flow margin 1.35% 28.59% 3.18%
Return on equity 6.81% 34.24% 12.48%
Return on assets 2.38% 6.25% 2.98%
Return on invested capital 17.52% 0.00% 2.04%

Growth

Metric HUM OSCR Healthcare Plans median
Revenue growth (TTM) 18.33% 42.82% 7.57%
EPS growth (last fiscal year) (1.40%) (1,790.00%) —
Revenue growth, 5-year CAGR 10.94% 90.80% 11.88%
Net income growth, 5-year CAGR (18.81%) 0.00% 0.00%

Health

Metric HUM OSCR Healthcare Plans median
Debt to equity 0.74 0.21 0.70
Current ratio 1.74 0.57 1.32
Net debt to EBITDA (2.14) 5.92 0.05

Dividend

Metric HUM OSCR Healthcare Plans median
Dividend yield 1.07% — 1.53%
Payout ratio 0.12 0.00 0.00

Size

Metric HUM OSCR Healthcare Plans median
Market cap 45.67b 8.94b 20.34b

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