HUMANA INC vs Oscar Health, Inc., two Managed Care stocks. A side-by-side on valuation, growth, margins, returns, and what each price is betting.
Humana carries 0.75 turns of debt against equity and a 1.77 current ratio, the balance sheet of an incumbent absorbing a bad Medicare cycle; Oscar carries 0.26 turns, the light frame of a startup that cannot afford weight. Neither earns: Humana's 0.8% net margin and Oscar's negative 0.3% leave both multiple-less this year. The operating lines split oddly, Oscar's 15.2% against Humana's 4.4%, individual-market pricing against MA benefit-cost pressure, but Humana's line survives to a small profit and Oscar's does not. The 28.5% and 2.8% free-cash figures are float. An incumbent priced for cyclical repair faces a challenger priced for structural arrival; the balance sheets say both can wait a while.
Comparison updated 2026-07-10.
| Metric | HUM | OSCR |
|---|---|---|
| Price | $383.89 | $29.79 |
| Market cap | $46.3B | $9.8B |
| Sector | Managed Care | Managed Care |
| Stage | Growth | Growth |
| P/B | 2.48 | 5.89 |
| P/S | 0.34 | 0.74 |
| EV/EBITDA | 17.3 | 309.2 |
| Revenue growth | +13.9% | +30.5% |
| Operating margin | 4.4% | 15.2% |
| Net margin | 0.8% | -0.3% |
| Return on equity | 6.1% | -2.4% |
| Return on assets | 2.0% | -0.4% |
| Return on invested capital | 5.9% | 0.5% |
| FCF yield | 2.8% | 28.5% |
| Dividend yield | 0.9% | — |
| Debt / equity | 0.75 | 0.26 |
| Current ratio | 1.77 | 1.09 |
| Altman Z (solvency) | 4.47 | 2.14 |
| Piotroski F (quality) | 8 / 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.