Clover Health Investments vs Oscar Health
CLOV 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 CLOV and OSCR compare
Oscar Health is the larger company, worth 3.8 times as much as Clover Health Investments ($9.9B against $2.6B).
On earnings, Oscar Health is cheaper: it trades at 13.3× trailing earnings, against 497× for Clover Health Investments.
Oscar Health grew revenue faster over the last twelve months (54.8% versus 54.5% for Clover Health Investments).
Oscar Health keeps more of each dollar of sales as profit, with a net margin of 4.9% compared with 0.45% at Clover Health Investments.
Oscar Health scores higher on the StockData Score (13 against 6 for Clover Health Investments), 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 | CLOV | OSCR |
|---|---|---|
| Size and price | ||
| Market cap | $2.6B | $9.9B |
| Share price | $4.97 | $32.11 |
| Change, 1 year | 91.2% | 120% |
| Change, 5 years | −13.6% | 212% |
| Beta (5Y) | 1.66 | 1.64 |
| Employees | 724 | 2,305 |
| StockData Score | ||
| Total score | 6 | 13 (better) |
| Valuation score | 0 | 3 (better) |
| Growth score | 3 (better) | 2 |
| Performance score | 2 | 4 (better) |
| Health score | 1 | 4 (better) |
| Dividend score | 0 | 0 |
| Valuation | ||
| P/E | 497× | 13.3× (better) |
| P/S | 1.0× | 0.6× (better) |
| P/B | 6.8× | 4.5× (better) |
| EV/EBITDA | 182× | 3.0× (better) |
| P/FCF | 20.0× | 2.4× (better) |
| FCF yield | 5.0% | 41.8% (better) |
| Fair value | – | $35.67 |
| Margin of safety | – | 10.0% |
| Growth | ||
| Revenue growth (TTM) | 54.5% | 54.8% (better) |
| Revenue growth, 5Y average | 23.4% | 90.8% (better) |
| Profitability | ||
| Operating margin | 0.45% | 5.4% (better) |
| Net margin | 0.45% | 4.9% (better) |
| FCF margin | 4.8% | 23.7% (better) |
| Return on equity | 3.4% | 52.7% (better) |
| Return on invested capital | 9.6% | – |
| Financial health | ||
| Debt / equity | – | 0.19 |
| Net debt / EBITDA | – | −7.32 |
| Interest coverage | – | 68.3× |
| Current ratio | 1.55 (better) | 1.14 |
| Altman Z-score | 4.22 (better) | 2.65 |
| Piotroski F-score | 3 | 4 (better) |
| Dividends and buybacks | ||
| Buyback yield | 0.00% | – |
| Shareholder yield | 0.00% | 0.00% |
| Ownership | ||
| Held by institutions | 27.5% | 64.7% |
| Held by insiders | 23.5% | 20.9% |
| Insider net buying, 12 months | −$8.7M (better) | −$132M |
| Short interest, % of float | 5.7% | 6.9% |
Go deeper
- CLOV stock overview
- CLOV income statement
- CLOV 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.