COMPARE · Reviewed August 3, 2026
OSCR vs UNH
Verdict: Side-by-side breakdown using the Bull Rankings model. OSCR scored 74.7, UNH scored 61.8 — OSCR leads.
Compare another set
OSCR
Oscar Health, Inc.
74.7
$30.48 · $9.2B
fundamentals as of
Score gap
12.9
OSCR leads
UNH
UnitedHealth Group Incorporated
61.8
$410.32 · $372.6B
fundamentals as of
The model, pillar by pillar (0–100 each)
OSCR
stronger →← stronger
UNH
42
Qualityreturns · margins · balance sheet
59
100
Growthrevenue & earnings expansion
87
100
Valuevaluation vs sector peers
46
OSCR is stronger on 2 of 3 pillars.
Fundamentals, head-to-head
OSCR
UNH
$2.8bB
FCF
$19.7bA-
+27.5%A-
Rev
+11.8%B
0.29B
D/E
0.69C+
0.7xA
P/S
—
—
PEG
1.28B
—
P/E
30.9xB
Winner per row is the stronger grade in our model; a tie or a missing value shows no highlight.
Valuation · DCF cross-check
OSCR
UNH
76% below
Price vs fair valuelower is cheaper
27% below
~-22%/yr
Growth the price implies10-yr FCF · lower = less priced in
~1%/yr
+217%
1-yr DCF upside
+20%
+310%
5-yr DCF upside
+37%
+480%
10-yr DCF upside
+68%
The DCF is a cross-check on intrinsic value, separate from the quality-growth score above.
Model signals
OSCR
No notable signals flagged.
UNH
Why this score
- Raising its dividend
The companies
OSCROscar Health, Inc.
Why now
Healthcare Plans · market cap $9.2b. 8% off the 52-week high of $33.10. Revenue growing +27% — in hypergrowth territory. 10 sell-side analysts rate this a Hold with a mean 1-yr target of $25.20 (implying -17% upside).
Moat
Turnaround / out-of-favor name — GAAP-unprofitable for now, so the durability case is forward-looking: it rests on a recovery (margin normalization, a cyclical upturn or restructuring) or an un-monetized asset (IP / network effects / first-mover position) rather than on current reported results.
Risk
Currently unprofitable (margin -0.3%) — path to GAAP profitability is the core thesis risk. Beta 2.38 implies above-market volatility — position-size to the drawdowns this name will produce in a market correction, not to its bull-case return. ROE -3% is below the long-run sustainable threshold of ~10% — capital efficiency would need to improve for the equity base to compound at the market rate.
UNHUnitedHealth Group Incorporated
Why now
Healthcare Plans · market cap $372.6b. 11% off the 52-week high of $461.62. Revenue growing +12%, comfortably above the S&P median. 26 sell-side analysts rate this a Buy with a mean 1-yr target of $475.23 (implying +16% upside).
Moat
ROE 14% meets the long-run market sustainable threshold — solid but not differentiated; the durability comes from elsewhere. FCF converts 139% of net income — earnings translate cleanly into cash, a sign that working capital and capex are well-disciplined. $372.6b market cap places it among the largest companies in the sector — distribution, R&D, and customer-acquisition costs amortize across a base peers can't replicate.
Risk
Trailing P/E 31x sits well above the S&P median (~20x) — multiple compression is a real risk if revenue growth decelerates. Net margin 3.1% is thin — operating leverage cuts both ways; input-cost inflation or pricing pressure hits the bottom line first.
Verdict — model-derived comparison
Generating verdict… typically 5–10 seconds
Not investment advice. The Bull Rankings publishes a quantitative ranking model and accompanying analysis for general informational purposes only. Nothing on this page is a recommendation to buy, sell, or hold any security; nothing is personalized to your circumstances, risk tolerance, or tax situation. Investing carries the risk of loss — invest at your own risk and consider consulting a licensed financial professional before acting on anything you read here. See terms and methodology for full disclosures.