AFLAC INC vs Oscar Health, Inc., two Managed Care stocks. A side-by-side on valuation, growth, margins, returns, and what each price is betting.
Neither company's growth is printed here, so the artifacts speak: Oscar Health's 28.5% free-cash yield is float, premiums collected ahead of claims, not profit, and its net margin sits at negative 0.3%; Aflac's 4.8% free-cash yield is the ordinary kind, backed by a 25.6% net margin. No multiple exists for Oscar this year; Aflac trades at 13.7 times earnings with a 2% dividend. The bet on Oscar is that technology-led individual-market insurance eventually earns like insurance; the bet on Aflac is that supplemental policies keep earning exactly as they have. One price contains a business model still being proven, the other a habit seven decades old.
Comparison updated 2026-07-10.
| Metric | AFL | OSCR |
|---|---|---|
| Price | $120.07 | $29.79 |
| Market cap | $61.8B | $9.8B |
| Sector | Managed Care | Managed Care |
| Stage | Mature | Growth |
| P/E | 13.7 | — |
| P/B | 2.06 | 5.89 |
| P/S | 3.41 | 0.74 |
| EV/EBITDA | — | 309.2 |
| Revenue growth | +14.9% | +30.5% |
| Operating margin | — | 15.2% |
| Net margin | 25.6% | -0.3% |
| Return on equity | 15.5% | -2.4% |
| Return on assets | 4.0% | -0.4% |
| Return on invested capital | — | 0.5% |
| FCF yield | 4.8% | 28.5% |
| Dividend yield | 2.0% | — |
| Debt / equity | 0.26 | 0.26 |
| Current ratio | — | 1.09 |
| Altman Z (solvency) | 1.26 | 2.14 |
| Piotroski F (quality) | 7 / 9 | 8 / 9 |
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The stronger value is highlighted per metric where one is strictly better on that single number; it is not an overall verdict on either company. For informational and research purposes only. Not investment advice. Not a recommendation to buy, sell, or hold any security. boothcheck is not a registered investment adviser. Past performance does not guarantee future results.