Nelnet vs Oscar Health

Nelnet Inc and Oscar Health, Inc. This page compares their business models, financial performance, and market context, presenting neutral, accessible information for readers seeking understanding. Educational content, not financial advice.

Comparison Snapshot

Key Financial Metrics

NNI

Metric

OSCR

$4.68B

Market Cap

$4.21B

6.19%

Potential Profit

2.60%

Hold

Analyst Rating

Hold

Investment Analysis

Nelnet

NNI

Pros

Nelnet reported strong first quarter 2025 earnings, with net income excluding derivative adjustments up 29.7% year-on-year.
The company maintains a diversified business model across loan servicing, education technology, and financial services, supporting stable revenue streams.
Nelnet has enhanced its capital and liquidity positions, providing flexibility for strategic investments and resilience in uncertain markets.

Considerations

The stock is trading at a significant premium to some discounted cash flow fair value estimates, suggesting potential overvaluation risks.
Nelnet's debt-to-equity ratio remains high, which could constrain financial flexibility if interest rates rise further.
The company's performance is sensitive to changes in student loan policies and broader economic conditions affecting loan demand.

Oscar Health

OSCR

Pros

Oscar Health has raised its full-year 2025 revenue outlook, indicating strong growth momentum in its core insurance business.
The company delivered better-than-expected Q1 2025 earnings, beating consensus EPS and revenue estimates.
Oscar Health continues to expand its customer base and market presence, supported by increasing demand for digital health solutions.

Considerations

Oscar Health reported a significant net loss in Q2 2025, reflecting ongoing profitability challenges in the competitive health insurance sector.
The company's share price is highly volatile, with a beta above 1.8, increasing risk for investors during market downturns.
Oscar Health faces regulatory and legal risks, including lawsuits over Affordable Care Act rules that could impact future operations.

About The Companies

Nelnet (NNI)

Nelnet is a diversified American company with a significant footprint in financial services and education technology. While it started with a focus on student loan servicing, it has expanded considerably. Today, its business is split into several key areas: servicing student and consumer loans, providing technology and payment processing services for schools and businesses, managing a portfolio of loan assets, and operating its own online bank. This multi-faceted model means Nelnet isn't reliant on just one stream of income. For investors, understanding these different segments—from loan systems and EdTech to asset management and banking—is key to appreciating the company's overall strategy and market position. It aims to provide a broad range of services that support customers throughout their educational and financial journeys.

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

Investment Analysis

Nelnet

Pros

Considerations

Oscar Health

Pros

Considerations

About The Companies

Buy NNI or OSCR in Nemo

Zero Commission

Trusted & Regulated

6% Interest on Cash

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Frequently asked questions

What is the primary purpose of comparing two stocks like Nelnet Inc and Oscar Health, Inc. on this page?

What does it mean when we say a stock has diversified revenue streams, and how does this apply to Nelnet?

Why is beta used to describe Oscar Health’s stock, and what does a high beta imply?

How should earnings growth be interpreted when comparing Nelnet to Oscar Health?

What role do debt levels play in assessing Nelnet’s investment potential?

Why is valuation important, and how does premium pricing affect Nelnet’s appeal?

What market risks could influence both Nelnet and Oscar Health in today’s environment?

How do regulatory and policy changes impact Oscar Health compared with Nelnet?

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Comparison Snapshot

About The Companies