Humana Inc (HUM)vsOscar Health Inc (OSCR)
HUM
Humana Inc
$174.24
+1.17%
HEALTHCARE · Cap: $20.77B
OSCR
Oscar Health Inc
$12.21
+1.50%
HEALTHCARE · Cap: $3.58B
Smart Verdict
WallStSmart Research — data-driven comparison
Humana Inc generates 1008% more annual revenue ($129.66B vs $11.70B). HUM leads profitability with a 0.9% profit margin vs -3.8%. HUM earns a higher WallStSmart Score of 58/100 (C).
HUM
Buy58
out of 100
Grade: C
OSCR
Hold45
out of 100
Grade: D
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
-162.4%
Fair Value
$66.84
Current Price
$174.24
$107.40 premium
Intrinsic value data unavailable for OSCR.
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Safe zone — low bankruptcy risk
Growing faster than its price suggests
Attractively priced relative to earnings
17.3% revenue growth
Earnings expanding 47.2% YoY
Areas to Watch
ROE of 7.0% — below average capital efficiency
0.9% margin — thin
Earnings declined 59.3%
Negative free cash flow — burning cash
Weak financial health signals
ROE of -44.4% — below average capital efficiency
Distress zone — elevated risk
Currently unprofitable
Comparative Analysis Report
WallStSmart ResearchBull Case : HUM
The strongest argument for HUM centers on Price/Book, Altman Z-Score, PEG Ratio. Revenue growth of 11.3% demonstrates continued momentum. PEG of 0.99 suggests the stock is reasonably priced for its growth.
Bull Case : OSCR
The strongest argument for OSCR centers on Revenue Growth, EPS Growth. Revenue growth of 17.3% demonstrates continued momentum.
Bear Case : HUM
The primary concerns for HUM are Return on Equity, Profit Margin, EPS Growth. Thin 0.9% margins leave little buffer for downturns.
Bear Case : OSCR
The primary concerns for OSCR are Piotroski F-Score, Return on Equity, Altman Z-Score.
Key Dynamics to Monitor
HUM profiles as a value stock while OSCR is a growth 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
HUM scores higher overall (58/100 vs 45/100) and 11.3% 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.
Humana Inc
HEALTHCARE · HEALTHCARE PLANS · USA
Humana Inc. is a for-profit American health insurance company based in Louisville, Kentucky.
Visit Website →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 →Compare with Other HEALTHCARE PLANS Stocks
Want to dig deeper into these stocks?