Oscar Health, Inc. vs Unum Group, two Managed Care stocks. A side-by-side on valuation, growth, margins, returns, and what each price is betting.
What is priced in: Unum at 19.5 times earnings is priced for workplace-benefits underwriting to keep doing what it has done for decades; Oscar, with no multiple to quote, is priced for individual-market health insurance to become a business that earns at all. Unum's 5.9% net margin and 2% dividend are the boring case made flesh; Oscar's negative 0.3% net margin and 28.5% float-driven cash figure are the exciting case, still unproven. Returns on equity, 7.2% against negative 2.4%. Both balance sheets are conservative. The pair prices proof against possibility in insurance's least similar niches; the market charges real money for both, differently denominated.
Comparison updated 2026-07-10.
| Metric | OSCR | UNM |
|---|---|---|
| Price | $29.79 | $90.06 |
| Market cap | $9.8B | $14.8B |
| Sector | Managed Care | Managed Care |
| Stage | Growth | Mature |
| P/E | — | 19.5 |
| P/B | 5.89 | 1.36 |
| P/S | 0.74 | 1.11 |
| EV/EBITDA | 309.2 | — |
| Revenue growth | +30.5% | +4.4% |
| Operating margin | 15.2% | — |
| Net margin | -0.3% | 5.9% |
| Return on equity | -2.4% | 7.2% |
| Return on assets | -0.4% | 1.3% |
| Return on invested capital | 0.5% | — |
| FCF yield | 28.5% | 3.6% |
| Dividend yield | — | 1.9% |
| Debt / equity | 0.26 | 0.35 |
| Current ratio | 1.09 | — |
| Altman Z (solvency) | 2.14 | 0.69 |
| Piotroski F (quality) | 8 / 9 | 9 / 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.