Grupo Aval vs Oscar Health

Grupo Aval and Oscar Health are presented to compare business models, financial performance, and market context. This page examines structure, strategy, and the competitive environment in which each company operates, without asserting outcomes or recommendations. The content aims to inform through plain language and clear distinctions between the two organisations. Educational content, not financial advice.

Comparison Snapshot

Key Financial Metrics

AVAL

Metric

OSCR

$5.28B

Market Cap

$4.21B

N/A

Potential Profit

2.60%

Sell

Analyst Rating

Hold

Investment Analysis

Grupo Aval

AVAL

Pros

Grupo Aval has demonstrated strong revenue growth, with a 21.28% year-over-year increase in the last twelve months.
The company maintains a relatively low price-to-sales ratio of 1.18, suggesting potential valuation appeal.
Grupo Aval has consistently paid dividends, with a recent dividend payment announced for January 2025.

Considerations

Grupo Aval's stock price has shown medium volatility, with a 4.61% price swing over the last 30 days.
The company's price-to-earnings ratio is above its historical averages, which may indicate stretched valuations.
Recent technical indicators suggest a short-term bearish outlook, with a predicted price drop to $3.52 by mid-November 2025.

Oscar Health

OSCR

Pros

Oscar Health has achieved positive net income in 2024, with a reported profit of 24 million euros.
The company operates a technology-driven healthcare platform, which supports scalability and innovation in insurance services.
Oscar Health is included in multiple ETFs, providing broad institutional exposure and liquidity.

Considerations

Oscar Health's profit margin remains very thin at just 0.28%, limiting earnings resilience.
The company does not pay dividends, offering no income return to investors.
Oscar Health's price-to-earnings ratio is high at 49.7, reflecting elevated valuation relative to earnings.

About The Companies

Grupo Aval (AVAL)

Grupo Aval Acciones y Valores S.A. is a major Colombian financial holding company. Through its portfolio of subsidiaries, which includes prominent banks like Banco de Bogotá and Banco Popular, it holds a significant position in the country's financial landscape. The company's operations are diverse, spanning traditional banking services like loans and deposits, as well as pension and severance fund management. It is also active in investment banking and other real sector investments. This broad range of services allows Grupo Aval to engage with various parts of the Colombian and Central American economies. For potential investors, understanding its role as a holding company and the performance of its underlying businesses is key. As with any investment, the value of its shares can go up or down and past performance is not an indicator of future results.

Oscar Health (OSCR)

Oscar Health is a US-based health insurance company that has built its model around technology. Rather than following a traditional insurance path, Oscar uses its full-stack technology platform to offer health plans and engaging member experiences. The company primarily serves the individual market, offering plans through the health insurance marketplaces established by the Affordable Care Act (ACA). This means its customers are often individuals and families buying their own coverage, rather than receiving it through an employer. In addition to its own insurance business, Oscar licenses its technology to other players in the healthcare system through its '+Oscar' platform. As with any insurer, its performance is linked to regulatory changes, competition, and its ability to manage costs effectively. It's a modern take on health insurance, but it operates in a very competitive field.

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Comparison Snapshot