Financial Comparison: Assurant (NYSE:AIZ) vs. Oscar Health (NYSE:OSCR)

Assurant (NYSE:AIZ) and Oscar Health (NYSE:OSCR) are both finance companies, but which is the superior investment? We will compare the two businesses based on the strength of their institutional ownership, earnings, dividends, profitability, risk, valuation and analyst recommendations.

Profitability

This table compares Assurant and Oscar Health’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Assurant	6.75%	18.61%	2.84%
Oscar Health	-2.16%	-21.50%	-4.28%

Insider and Institutional Ownership

92.7% of Assurant shares are owned by institutional investors. Comparatively, 75.7% of Oscar Health shares are owned by institutional investors. 0.5% of Assurant shares are owned by insiders. Comparatively, 24.4% of Oscar Health shares are owned by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company is poised for long-term growth.

Analyst Ratings

This is a breakdown of current recommendations for Assurant and Oscar Health, as reported by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Assurant	0	2	8	0	2.80
Oscar Health	2	7	1	0	1.90

Assurant currently has a consensus target price of $252.67, suggesting a potential upside of 6.21%. Oscar Health has a consensus target price of $17.00, suggesting a potential upside of 18.38%. Given Oscar Health’s higher possible upside, analysts plainly believe Oscar Health is more favorable than Assurant.

Earnings and Valuation

This table compares Assurant and Oscar Health”s revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Assurant	$11.88 billion	1.00	$760.20 million	$16.43	14.48
Oscar Health	$9.18 billion	0.41	$25.43 million	($1.12)	-12.82

Assurant has higher revenue and earnings than Oscar Health. Oscar Health is trading at a lower price-to-earnings ratio than Assurant, indicating that it is currently the more affordable of the two stocks.

Risk & Volatility

Assurant has a beta of 0.56, suggesting that its share price is 44% less volatile than the S&P 500. Comparatively, Oscar Health has a beta of 1.9, suggesting that its share price is 90% more volatile than the S&P 500.

Summary

Assurant beats Oscar Health on 10 of the 13 factors compared between the two stocks.

About Assurant

Assurant, Inc., together with its subsidiaries, provides business services that supports, protects, and connects consumer purchases in North America, Latin America, Europe, and the Asia Pacific. The company operates through two segments: Global Lifestyle and Global Housing. The Global Lifestyle segment offers mobile device solutions, and extended service contracts and related services for consumer electronics and appliances, and credit and other insurance products; and vehicle protection, commercial equipment, and other related services. The Global Housing segment provides lender-placed homeowners, manufactured housing, and flood insurance; renters insurance and related products; and voluntary manufactured housing, and condominium and homeowners insurance products. The company was formerly known as Fortis, Inc. and changed its name to Assurant, Inc. in February 2004. Assurant, Inc. was founded in 1892 and is headquartered in Atlanta, Georgia.

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.