Oscar Health vs Upstart

This page compares Oscar Health, Inc. and Upstart Holdings, Inc., examining their business models, financial performance, and market context. It presents neutral, accessible information to help readers understand how both companies operate and compete within their sectors. Educational content, not financial advice.

Comparison Snapshot

Key Financial Metrics

OSCR

Metric

UPST

$4.21B

Market Cap

$4.34B

2.60%

Potential Profit

30.01%

Hold

Analyst Rating

Buy

Investment Analysis

Oscar Health

OSCR

Pros

Oscar Health has demonstrated strong revenue growth, with analysts forecasting a 12.5% annual increase through 2027.
The company achieved record membership growth and improved operational efficiency, with its lowest SG&A ratio in history.
Oscar Health leverages technology and data analytics to enhance member experience and maintain disciplined medical cost management.

Considerations

Oscar Health continues to report net losses, with negative earnings per share and a negative price-to-earnings ratio.
Analyst consensus and price targets suggest significant downside, with average targets well below current market price.
The stock exhibits high volatility, with a beta above 1.8, indicating greater risk compared to the broader market.

Upstart

UPST

Pros

Upstart has established a leading AI-driven lending platform, enabling banks to improve credit decisioning and reduce defaults.
The company has shown strong revenue growth, driven by expanding partnerships and increasing loan volume through its platform.
Upstart maintains a scalable business model with high gross margins and limited direct credit risk exposure.

Considerations

Upstart's financial performance is highly sensitive to macroeconomic conditions and interest rate fluctuations.
The company has faced regulatory scrutiny and legal challenges related to its lending algorithms and compliance practices.
Upstart's stock has experienced significant volatility and valuation swings, reflecting uncertainty in its growth trajectory.

About The Companies

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.

Upstart (UPST)

Upstart Holdings (UPST) operates a technology-driven lending platform that connects borrowers with banks and also offers loans it holds on balance sheet. The company uses machine-learning models to assess creditworthiness and prize underwriting signals beyond traditional FICO scores, aiming to increase approval rates while managing default risk. Revenue derives from origination and servicing fees, interest income on held loans and platform fees from bank partners. Investors should note sensitivity to credit cycles, model performance and data drift, funding costs, and potential regulatory scrutiny around algorithmic lending. Upstart has experienced periods of rapid growth and volatility; future profit depends on charge-offs, loan volumes and funding conditions. This is general educational information, not personalised advice — values can fall as well as rise and past performance is not a guide to the future.

Which Baskets Do They Appear In?

No baskets available in this category

Which Baskets Do They Appear In?

No baskets available in this category

Buy OSCR or UPST in Nemo

🆓

Zero Commission

Trade stocks, ETFs, and more with zero commission. Keep more of your returns.

🔒

Trusted & Regulated

Part of Exinity Group 2015, serving over a million customers globally.

💰

6% Interest on Cash

Earn 6% AER on uninvested cash with daily interest payments.

Discover More Comparisons

Oscar Health vs Selective

Oscar Health vs Selective: business comparison

Oscar Health vs Lemonade

Oscar Health vs Lemonade: A company comparison

Oscar Health vs Upstart

Comparison Snapshot