Aflac vs Oscar Health
AFL and OSCR side by side, both in accident and health insurance and medical. Figures are trailing twelve months unless noted, from SEC filings and end-of-day prices.
How AFL and OSCR compare
Aflac is the larger company, worth 6.6 times as much as Oscar Health ($62.1B against $9.4B).
On earnings, Aflac is cheaper: it trades at 13.3× trailing earnings, against 21.7× for Oscar Health.
Oscar Health grew revenue faster over the last twelve months (42.8% versus 13.6% for Aflac).
Aflac keeps more of each dollar of sales as profit, with a net margin of 26.9% compared with 3.6% at Oscar Health.
Aflac pays a dividend yielding 1.9%; Oscar Health does not pay one.
Aflac scores higher on the StockData Score (13 against 11 for Oscar Health), which adds up 30 checks on valuation, growth, past performance, financial health and dividends.
Key numbers
A dot marks the better figure where higher or lower is clearly better.
| Metric | AFL | OSCR |
|---|---|---|
| Size and price | ||
| Market cap | $62.1B | $9.4B |
| Share price | $123.89 | $30.37 |
| Change, 1 year | 17.2% | 60.6% |
| Change, 5 years | 118% | 78.6% |
| Beta (5Y) | 0.60 | 1.65 |
| Employees | 6,996 | 2,305 |
| StockData Score | ||
| Total score | 13 (better) | 11 |
| Valuation score | 3 (better) | 1 |
| Growth score | 2 | 2 |
| Performance score | 5 (better) | 4 |
| Health score | 0 | 4 (better) |
| Dividend score | 3 (better) | 0 |
| Valuation | ||
| P/E | 13.3× (better) | 21.7× |
| P/S | 3.4× | 0.6× (better) |
| P/B | 2.0× (better) | 4.6× |
| EV/EBITDA | – | 1.9× |
| P/FCF | – | 2.1× |
| FCF yield | – | 46.7% |
| Fair value | $138.43 | $23.67 |
| Margin of safety | 10.5% (better) | −28.3% |
| Growth | ||
| Revenue growth (TTM) | 13.6% | 42.8% (better) |
| Revenue growth, 5Y average | −5.0% | 90.8% (better) |
| Net income growth (TTM) | 99.5% | – |
| EPS growth (TTM) | 112% | – |
| EPS growth, 5Y average | 0.45% | – |
| Profitability | ||
| Operating margin | – | 4.1% |
| Net margin | 26.9% (better) | 3.6% |
| FCF margin | – | 28.6% |
| Return on equity | 16.9% | 34.3% (better) |
| Financial health | ||
| Debt / equity | – | 0.21 |
| Net debt / EBITDA | – | −12.35 |
| Interest coverage | – | 39.7× |
| Current ratio | – | 1.08 |
| Altman Z-score | 1.27 | 1.95 (better) |
| Piotroski F-score | 4 | 4 |
| Dividends and buybacks | ||
| Dividend yield | 1.9% | – |
| Payout ratio | 24.6% | – |
| Years of dividend growth | 6 | – |
| Dividend growth, 5Y average | 15.7% | – |
| Buyback yield | 6.1% | – |
| Shareholder yield | 8.0% (better) | 0.00% |
| Ownership | ||
| Held by institutions | 68.7% | 64.7% |
| Held by insiders | 0.70% | 20.9% |
| Insider net buying, 12 months | −$226M | −$138M (better) |
| Short interest, % of float | 2.3% | 6.7% |
Go deeper
- AFL stock overview
- AFL income statement
- AFL valuation and score
- OSCR stock overview
- OSCR income statement
- OSCR valuation and score
Other comparisons
For information only, not investment advice. Check the source filings before relying on any figure.