Oscar Health (NYSE:OSCR – Get Free Report) and MGIC Investment (NYSE:MTG – Get Free Report) are both mid-cap finance companies, but which is the superior investment? We will contrast the two companies based on the strength of their profitability, dividends, institutional ownership, valuation, earnings, risk and analyst recommendations.
Profitability
This table compares Oscar Health and MGIC Investment’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| Oscar Health | -0.30% | -3.26% | -0.57% |
| MGIC Investment | 59.63% | 14.01% | 10.96% |
Analyst Ratings
This is a breakdown of recent ratings and recommmendations for Oscar Health and MGIC Investment, as provided by MarketBeat.com.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Oscar Health | 1 | 8 | 2 | 1 | 2.25 |
| MGIC Investment | 0 | 4 | 1 | 0 | 2.20 |
Institutional & Insider Ownership
75.7% of Oscar Health shares are owned by institutional investors. Comparatively, 95.6% of MGIC Investment shares are owned by institutional investors. 24.4% of Oscar Health shares are owned by company insiders. Comparatively, 1.3% of MGIC Investment shares are owned by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a stock is poised for long-term growth.
Earnings and Valuation
This table compares Oscar Health and MGIC Investment”s gross revenue, earnings per share and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| Oscar Health | $11.70 billion | 0.61 | -$443.15 million | ($0.59) | -39.90 |
| MGIC Investment | $1.21 billion | 4.38 | $738.35 million | $3.15 | 7.98 |
MGIC Investment has lower revenue, but higher earnings than Oscar Health. Oscar Health is trading at a lower price-to-earnings ratio than MGIC Investment, indicating that it is currently the more affordable of the two stocks.
Risk & Volatility
Oscar Health has a beta of 2.37, suggesting that its stock price is 137% more volatile than the S&P 500. Comparatively, MGIC Investment has a beta of 0.68, suggesting that its stock price is 32% less volatile than the S&P 500.
Summary
MGIC Investment beats Oscar Health on 9 of the 15 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 MGIC Investment
MGIC Investment Corporation, through its subsidiaries, provides private mortgage insurance, other mortgage credit risk management solutions, and ancillary services to lenders and government sponsored entities in the United States, the District of Columbia, Puerto Rico, and Guam. The company offers primary mortgage insurance that provides mortgage default protection on individual loans, as well as covers unpaid loan principal, delinquent interest, and various expenses associated with the default and subsequent foreclosure. It also provides pool insurance for secondary market mortgage transactions; and contract underwriting services, as well as reinsurance. The company serves originators of residential mortgage loans, including savings institutions, commercial banks, mortgage brokers, credit unions, mortgage bankers, and other lenders. MGIC Investment Corporation was founded in 1957 and is headquartered in Milwaukee, Wisconsin.
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