Oscar Health, Inc. (OSCR) vs UnitedHealth Group Incorporated (UNH)

Oscar Health, Inc. and UnitedHealth Group Incorporated are both Healthcare Plans companies. UnitedHealth Group Incorporated is the larger, with a market value of $336.8B against $8.9B — 37.7× the size. Oscar Health, Inc. trades at the lower P/E: 17.3× against 24.2×. Oscar Health, Inc. grew revenue faster over the last twelve months: 42.8% against 6.46%. Oscar Health, Inc. has the higher net margin (3.60% vs 3.14%) and the lower return on invested capital (0.00% vs 9.50%). Across the 22 metrics below, Oscar Health, Inc. leads on 16 and UnitedHealth Group Incorporated on 6.

Valuation

Metric OSCR UNH Healthcare Plans median
P/E 17.31 24.23 23.75
P/S 0.58 0.75 0.40
P/B 4.35 3.25 2.48
Price to free cash flow 2.04 14.38 11.15
EV/EBITDA 8.39 14.55 10.94
EV/Sales 0.35 0.84 0.37
Earnings yield 5.78% 4.13% 3.25%
Free cash flow yield 48.96% 6.95% 8.15%

Profitability

Metric OSCR UNH Healthcare Plans median
Gross margin 20.16% 19.51% 19.04%
Operating margin 4.11% 4.82% 1.93%
Net margin 3.60% 3.14% 1.04%
Free cash flow margin 28.59% 5.25% 3.18%
Return on equity 34.24% 13.78% 12.48%
Return on assets 6.25% 4.57% 2.98%
Return on invested capital 0.00% 9.50% 2.04%

Growth

Metric OSCR UNH Healthcare Plans median
Revenue growth (TTM) 42.82% 6.46% 7.57%
EPS growth (last fiscal year) (1,790.00%) (14.70%) —
Revenue growth, 5-year CAGR 90.80% 11.72% 11.88%
Net income growth, 5-year CAGR 0.00% (4.78%) 0.00%

Health

Metric OSCR UNH Healthcare Plans median
Debt to equity 0.21 0.67 0.70
Current ratio 0.57 0.78 1.32
Net debt to EBITDA 5.92 1.89 0.05

Dividend

Metric OSCR UNH Healthcare Plans median
Dividend yield — 1.53% 1.53%
Payout ratio 0.00 0.31 0.00

Size

Metric OSCR UNH Healthcare Plans median
Market cap 8.94b 336.83b 20.34b

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