Oscar Health vs Selective

Oscar Health, Inc. and Selective Insurance Group Inc are compared on this page, detailing their business models, financial performance, and market context in clear, neutral terms. The content aims to present accessible information that highlights similarities and differences without advocacy or speculation. Educational content, not financial advice.

Comparison Snapshot

Key Financial Metrics

OSCR

Metric

SIGI

$4.21B

Market Cap

$4.91B

2.60%

Potential Profit

3.53%

Hold

Analyst Rating

Hold

Investment Analysis

Oscar Health

OSCR

Pros

Oscar Health has demonstrated rapid revenue growth, with analysts forecasting sales to rise from $9.17 billion in 2024 to $13 billion by 2027.
The company achieved record operational efficiency, reporting its lowest SG&A ratio in history at 15.8% in recent quarters.
Membership base expanded 41% to around 2 million, reflecting strong retention and new enrolment momentum.

Considerations

Oscar Health remains unprofitable, with trailing twelve-month net income at -$244 million and a negative price-to-earnings ratio.
Analyst sentiment is bearish, with an average rating of 'Sell' and a 12-month price target below the current share price.
The stock is highly volatile, with a beta above 1.8, indicating greater sensitivity to market swings than the average stock.

Selective

SIGI

Pros

Selective Insurance maintains a strong underwriting track record, consistently generating underwriting profits in recent years.
The company has a solid balance sheet, with high credit ratings and prudent capital management supporting financial stability.
Selective benefits from a diversified business mix, with exposure to both commercial and personal insurance lines across multiple regions.

Considerations

Growth in premiums has been modest compared to some peers, with limited expansion in new markets or product lines recently.
The company faces ongoing exposure to property and casualty insurance risks, including weather-related losses and reserve volatility.
Selective's stock has underperformed broader market indices over the past year, reflecting sector headwinds and valuation pressures.

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.

Selective (SIGI)

Selective Insurance Group, Inc. (SIGI) is a US-based property & casualty insurer that focuses on niche commercial lines and select personal lines distributed primarily through independent agents and brokers. The company targets small-to-medium commercial risks such as contractors, habitational and mercantile businesses, aiming to combine disciplined underwriting with targeted product offerings. Key value drivers for investors include underwriting margins, reserve development, catastrophe losses and investment income from a fixed-income portfolio. With a market capitalisation near $5.11bn, SIGI sits in the mid-cap insurer space where execution and pricing power can materially affect returns. Strengths can include established agent relationships and a focused regional footprint; risks include exposure to severe weather events, claim-cost inflation and competitive pricing. Shares can be volatile and dividends are dependent on operating results and capital needs. This is general educational information and not personalised investment advice — suitability depends on your goals, timeframe and risk tolerance.

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Comparison Snapshot