Contrasting Oscar Health (NYSE:OSCR) & Assurant (NYSE:AIZ)

Oscar Health (NYSE:OSCR) and Assurant (NYSE:AIZ) are both finance companies, but which is the better business? We will contrast the two businesses based on the strength of their valuation, dividends, analyst recommendations, risk, institutional ownership, profitability and earnings.

Institutional and Insider Ownership

75.7% of Oscar Health shares are held by institutional investors. Comparatively, 92.7% of Assurant shares are held by institutional investors. 25.1% of Oscar Health shares are held by insiders. Comparatively, 0.5% of Assurant shares are held by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company is poised for long-term growth.

Analyst Recommendations

This is a breakdown of recent ratings for Oscar Health and Assurant, as provided by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Oscar Health	2	7	1	0	1.90
Assurant	0	2	8	0	2.80

Oscar Health currently has a consensus target price of $17.00, indicating a potential upside of 22.43%. Assurant has a consensus target price of $252.67, indicating a potential upside of 4.83%. Given Oscar Health’s higher possible upside, equities research analysts clearly believe Oscar Health is more favorable than Assurant.

Profitability

This table compares Oscar Health and Assurant’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Oscar Health	-2.16%	-21.50%	-4.28%
Assurant	6.75%	18.61%	2.84%

Volatility and Risk

Oscar Health has a beta of 1.9, meaning that its stock price is 90% more volatile than the S&P 500. Comparatively, Assurant has a beta of 0.56, meaning that its stock price is 44% less volatile than the S&P 500.

Valuation & Earnings

This table compares Oscar Health and Assurant”s gross revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Oscar Health	$9.18 billion	0.40	$25.43 million	($1.12)	-12.40
Assurant	$11.88 billion	1.02	$760.20 million	$16.43	14.67

Assurant has higher revenue and earnings than Oscar Health. Oscar Health is trading at a lower price-to-earnings ratio than Assurant, indicating that it is currently the more affordable of the two stocks.

Summary

Assurant beats Oscar Health on 11 of the 14 factors compared between the two stocks.

About Oscar Health

Oscar Health, Inc. operates as a health insurance in the United States. The company offers health plans in individual and small group markets, as well as +Oscar, a technology driven platform that help providers and payors directly enable their shift to value-based care. It also provides reinsurance products. The company was formerly known as Mulberry Health Inc. and changed its name to Oscar Health, Inc. in January 2021. Oscar Health, Inc. was incorporated in 2012 and is headquartered in New York, New York.

About Assurant

Assurant, Inc., together with its subsidiaries, provides business services that supports, protects, and connects consumer purchases in North America, Latin America, Europe, and the Asia Pacific. The company operates through two segments: Global Lifestyle and Global Housing. The Global Lifestyle segment offers mobile device solutions, and extended service contracts and related services for consumer electronics and appliances, and credit and other insurance products; and vehicle protection, commercial equipment, and other related services. The Global Housing segment provides lender-placed homeowners, manufactured housing, and flood insurance; renters insurance and related products; and voluntary manufactured housing, and condominium and homeowners insurance products. The company was formerly known as Fortis, Inc. and changed its name to Assurant, Inc. in February 2004. Assurant, Inc. was founded in 1892 and is headquartered in Atlanta, Georgia.