Oscar Health vs Trupanion
OSCR and TRUP 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 OSCR and TRUP compare
Oscar Health is the larger company, worth 6.6 times as much as Trupanion ($9.9B against $1.5B).
On earnings, Oscar Health is cheaper: it trades at 13.2× trailing earnings, against 56.2× for Trupanion.
Oscar Health grew revenue faster over the last twelve months (54.8% versus 11.4% for Trupanion).
Oscar Health scores higher on the StockData Score (13 against 6 for Trupanion), 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 | OSCR | TRUP |
|---|---|---|
| Size and price | ||
| Market cap | $9.9B | $1.5B |
| Share price | $31.94 | $34.30 |
| Change, 1 year | 115% | −12.1% |
| Change, 5 years | 210% | −74.9% |
| Beta (5Y) | 1.64 | 1.83 |
| Employees | 2,305 | 1,121 |
| StockData Score | ||
| Total score | 13 (better) | 6 |
| Valuation score | 3 (better) | 0 |
| Growth score | 2 | 3 (better) |
| Performance score | 4 (better) | 0 |
| Health score | 4 (better) | 3 |
| Dividend score | 0 | 0 |
| Valuation | ||
| P/E | 13.2× (better) | 56.2× |
| P/S | 0.6× (better) | 1.0× |
| P/B | 4.4× | 3.8× (better) |
| EV/EBITDA | 2.9× (better) | 28.2× |
| P/FCF | 2.4× (better) | 17.4× |
| FCF yield | 42.0% (better) | 5.8% |
| Fair value | $35.55 | $22.76 |
| Margin of safety | 10.1% (better) | −50.7% |
| Growth | ||
| Revenue growth (TTM) | 54.8% (better) | 11.4% |
| Revenue growth, 5Y average | 90.8% (better) | 23.4% |
| EPS growth (TTM) | – | 69.4% |
| Profitability | ||
| Gross margin | – | 16.7% |
| Operating margin | 5.4% (better) | 1.8% |
| Net margin | 4.9% | – |
| FCF margin | 23.7% (better) | 5.6% |
| Return on equity | 52.7% | – |
| Return on invested capital | – | 23.9% |
| Financial health | ||
| Debt / equity | 0.19 (better) | 0.26 |
| Net debt / EBITDA | −7.32 | −6.79 |
| Interest coverage | 68.3× (better) | 2.9× |
| Current ratio | 1.14 | 1.74 (better) |
| Altman Z-score | 2.64 | 3.63 (better) |
| Piotroski F-score | 4 | – |
| Dividends and buybacks | ||
| Shareholder yield | 0.00% | 0.00% |
| Ownership | ||
| Held by institutions | 64.7% | 77.1% |
| Held by insiders | 20.9% | 5.9% |
| Insider net buying, 12 months | −$132M | −$1.8M (better) |
| Short interest, % of float | 6.9% | 9.5% |
Go deeper
- OSCR stock overview
- OSCR income statement
- OSCR valuation and score
- TRUP stock overview
- TRUP income statement
- TRUP valuation and score
Other comparisons
For information only, not investment advice. Check the source filings before relying on any figure.