OSCR vs AGL Stock Comparison: AI Score, Valuation, Performance and Upside
OSCR (Oscar Health) and AGL (Alignment Healthcare) are both technology-driven health insurance companies targeting different government-subsidized insurance markets — Oscar in ACA commercial markets and Alignment in Medicare Advantage for seniors. Both use technology to improve member health management and reduce medical costs, with both working toward profitability after years of investment in building scale.
OSCR vs AGL represents technology-first health insurance innovation — Oscar's ACA marketplace digital health plan versus Alignment's senior Medicare Advantage value-based care platform, both disrupting traditional fee-for-service insurance models.
OSCR holds the edge across 3 of 5 key metrics in this comparison. AGL has delivered stronger 1-year price return (+246.86% vs +61.93%), though OSCR has the better forward P/E setup (16.12x vs 43.68x for AGL). OSCR leads on both revenue growth (70.40%) and operating margin (7.96%), suggesting a stronger fundamental setup on both dimensions. Analyst consensus implies meaningfully more upside for AGL (+28.19%) than for OSCR (+0.23%).
Human Wall Street analysts' price targets, typically implying a ~12-month view — a separate signal from this site's own AI Prediction Signal further down the page, which is a 5-/30-day machine-learning forecast based on price history alone.
- Want ACA marketplace health insurance exposure with a technology-first member experience and concierge-style care management
- Value Oscar's vertically integrated approach combining insurance, care networks, and technology for improved medical cost management
- See ACA subsidy expansion and individual mandate as structural tailwinds for marketplace health insurance volume growth
- Want Medicare Advantage exposure leveraging technology for value-based senior care management
- See demographic tailwinds from baby boomer Medicare enrollment as a secular multi-decade growth driver for Medicare Advantage plans
- Value Alignment's CONNECT platform for chronic care coordination as a genuine cost management tool for high-risk senior populations
| Metric | OSCR | AGL |
|---|---|---|
| AI scorei | 26.8 | 24.6 |
| AI ranki | #2378 | #3004 |
| Latest closei | $33.47 | $88.45 |
| 1M returni | +3.18% | -3.98% |
| 3M returni | +15.97% | -27.03% |
| 6M returni | +114.14% | +185.88% |
| 1Y returni | +61.93% | +246.86% |
How much would $10,000 be worth today if invested at the start of each period, with all dividends reinvested?
| Period | OSCR | AGL |
|---|---|---|
| 1Y ago | $16.19K (+61.9%) started 2025-10-15 | $34.69K (+246.9%) started 2025-10-15 |
| 5Y ago | $21.12K (+111.2%) started 2021-10-15 | $1.48K (-85.2%) started 2021-10-15 |
| 10Y ago | $9.62K (-3.8%) started 2021-03-03 | $1.14K (-88.6%) started 2021-04-15 |
Hypothetical — past performance does not guarantee future results.
| Metric | OSCR | AGL |
|---|---|---|
| Market capi | $9.36B | $1.51B |
| Trailing P/Ei | 23.33 | N/A |
| Forward P/Ei | 16.12 | 43.68 |
| Price/Salesi | N/A | N/A |
| EV/Revenuei | 0.07 | 0.23 |
| Analyst targeti | $30.40 | $115.08 |
| Target upsidei | +0.23% | +28.19% |
| Metric | OSCR | AGL |
|---|---|---|
| Revenue growthi | 70.40% | 7.20% |
| Earnings growthi | N/A | N/A |
| EPS growthi | N/A | N/A |
| FCF margini | +4.52% | -2.46% |
| Operating margini | 7.96% | 1.30% |
| Profit margini | 3.60% | -3.92% |
| ROIC proxyi | 34.26% | -78.94% |
| Return on equityi | 34.26% | -78.94% |
| Dividend yieldi | N/A | N/A |
| Payout ratioi | 0.00% | N/A |
| Dividend growth streaki | N/A | N/A |
| Betai | 2.38 | 3.04 |
| Debt/equityi | 23.46 | 14.70 |
| Current ratioi | 1.08 | 1.08 |
| Quick ratioi | 1.05 | 0.98 |
Over the past year, OSCR and AGL have moved weakly in the same direction (correlation of 0.33), based on daily returns.
Lower drawdown and smaller single-period drops generally indicate a smoother ride, though they do not guarantee lower future risk.
| Period | Metric | OSCR | AGL |
|---|---|---|---|
| 1Y | Growthi | +61.93% | +246.86% |
| CAGRi | +61.98% | +247.16% | |
| Volatilityi | 67.93% | 166.89% | |
| Sharpe ratioi | 0.98 | 1.38 | |
| Sortino ratioi | 1.59 | 3.11 | |
| Max drawdowni | 50.16% | 68.98% | |
| Current drawdowni | 2.48% | 31.88% | |
| Avg drawdowni | 18.52% | 24.78% | |
| Ulcer Indexi | 23.56% | 30.55% | |
| Max daily dropi | 17.55% | 26.67% | |
| Max wkly dropi | 21.67% | 44.85% | |
| 5Y | Growthi | +111.17% | -85.23% |
| CAGRi | +16.13% | -31.79% | |
| Volatilityi | 80.00% | 104.42% | |
| Sharpe ratioi | 0.52 | 0.07 | |
| Sortino ratioi | 0.84 | 0.12 | |
| Max drawdowni | 87.56% | 98.90% | |
| Current drawdowni | 2.48% | 87.67% | |
| Avg drawdowni | 41.15% | 60.94% | |
| Ulcer Indexi | 47.53% | 69.34% | |
| Max daily dropi | 24.52% | 51.52% | |
| Max wkly dropi | 31.69% | 54.40% | |
| 10Y | Growthi | -3.82% | -88.59% |
| CAGRi | -0.69% | -32.60% | |
| Volatilityi | 78.61% | 100.57% | |
| Sharpe ratioi | 0.31 | 0.03 | |
| Sortino ratioi | 0.50 | 0.05 | |
| Max drawdowni | 94.15% | 99.27% | |
| Current drawdowni | 8.97% | 91.82% | |
| Avg drawdowni | 61.99% | 69.28% | |
| Ulcer Indexi | 65.39% | 74.25% | |
| Max daily dropi | 24.52% | 51.52% | |
| Max wkly dropi | 31.69% | 54.40% |
| Category | OSCR | AGL |
|---|---|---|
| Company | Oscar Health, Inc. | Alignment Healthcare, Inc. |
| Sector | Healthcare | Healthcare |
| Industry | Healthcare Plans | Medical Care Facilities |
| Core business | Oscar Health is a technology-first health insurance company offering individual, family, and small group health plans primarily through the ACA marketplace exchanges, using a vertically integrated approach that includes its own care network and technology-driven member engagement tools. | Alignment Healthcare operates value-based Medicare Advantage plans for seniors, using its CONNECT platform to coordinate care, manage chronic conditions, and improve outcomes for its members, operating in California, North Carolina, Arizona, Nevada, and other states. |
| Investor focus | Investors track Oscar's medical loss ratio (MLR), member growth, premium revenue, administrative expense ratio, and the path to sustained profitability after years of operating losses while scaling its insurance and provider network model. | Investors track Alignment's member growth, medical cost ratio, CONNECT technology platform effectiveness in reducing utilization, and the company's ability to achieve profitability at scale. |
- Technology-first member experience with a concierge-quality digital health management platform, care teams, and telemedicine access
- ACA marketplace health insurance has structural tailwinds from expanded subsidies and mandates that have grown enrollment significantly
- Co-CEO Josh Kushner's backing provides capital and strategic credibility for Oscar's technology-enabled health plan model
- Medicare Advantage is a high-growth, government-supported insurance product as millions of baby boomers age into Medicare eligibility
- CONNECT platform provides data-driven care coordination that can proactively manage seniors' chronic conditions and reduce expensive hospitalizations
- Value-based care model aligns Alignment's financial incentives with good patient outcomes — managing health costs is the same as managing business costs
- Health insurance MLR has been challenging — managing medical costs while keeping premiums competitive in ACA markets is operationally complex
- Oscar operates in competitive ACA exchange markets where plan selection is price-sensitive and member retention can be low
- ACA subsidy levels and regulatory changes could shift marketplace economics significantly, affecting Oscar's premium volume and profitability
- Medicare Advantage reimbursement rates from CMS are subject to annual adjustment — unfavorable rate updates directly affect plan profitability
- Seniors with complex chronic conditions create significant medical cost uncertainty that technology alone cannot fully predict or prevent
- Competition from UnitedHealth (UnitedHealthcare), Humana, and CVS Health (Aetna) in Medicare Advantage is intense with large incumbents having cost advantages from scale
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