Oscar Health vs Lazard

This page compares Oscar Health, Inc. and Lazard Ltd, outlining how each organisation structures its business, how it generates revenue, and the market context in which it operates. It presents a neutral look at business models, financial performance, and market context to aid understanding. Educational content, not financial advice.

Comparison Snapshot

Key Financial Metrics

OSCR

Metric

LAZ

$4.21B

Market Cap

$4.93B

2.60%

Potential Profit

6.11%

Hold

Analyst Rating

Hold

Investment Analysis

Oscar Health

OSCR

Pros

Oscar Health has demonstrated strong technology-driven differentiation through its proprietary platform, which supports engagement and operational efficiency in the health insurance market.
The company has shown resilience in a challenging sector, with recent quarterly results beating earnings expectations despite ongoing losses.
Oscar Health maintains a relatively low price-to-sales ratio compared to sector peers, suggesting potential value if revenue growth accelerates.

Considerations

Oscar Health continues to report net losses, with negative earnings per share indicating ongoing profitability challenges in a competitive insurance landscape.
The stock trades at a high price-to-book ratio relative to sector averages, raising concerns about valuation sustainability.
Analyst consensus suggests significant downside risk, with average price targets indicating a negative upside compared to current levels.

Lazard

LAZ

Pros

Lazard has delivered record adjusted net revenue and strong year-on-year growth in both financial advisory and asset management segments in 2025.
The firm has maintained robust asset inflows and expanded its asset management business, supporting long-term revenue diversification.
Lazard continues to return capital to shareholders through dividends and share repurchases, reflecting financial discipline and confidence in its balance sheet.

Considerations

Recent share price volatility reflects sensitivity to global investment demand and broader financial sector risks, which could impact near-term performance.
Analyst consensus is neutral, with average price targets suggesting limited upside potential from current levels.
Growth in advisory revenue is closely tied to macroeconomic conditions and M&A activity, making results cyclical and exposed to market downturns.

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.

Lazard (LAZ)

Lazard Ltd (LAZ) is a specialist global financial advisory and asset management firm offering M&A and restructuring advice, capital structure guidance, and investment management for institutions and private clients. With a market capitalisation around $4.8 billion, Lazard’s revenues are closely tied to deal flow, market valuations and assets under management, which makes results cyclical and sensitive to economic conditions. Investors should note its fee-based and performance-related income mix, a broad international footprint across the Americas, Europe and Asia, and competition from larger banks and boutiques. Key risks include variability in transaction volumes, retention of senior advisory talent, regulatory oversight and market-driven asset performance. Assessing Lazard typically involves watching announced mandates, assets under management trends, margin progress and management commentary. This summary is for educational purposes only and not personalised advice; values can rise or fall and past performance is not a reliable guide to the future. Consider your risk tolerance or consult a qualified adviser before investing.

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 LAZ 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 Upstart

Oscar Health vs Lemonade

Oscar Health vs Lemonade: A company comparison

Oscar Health vs Lazard

Comparison Snapshot

Investment Analysis

Oscar Health

Pros

Considerations

Lazard

Pros

Considerations

About The Companies

Which Baskets Do They Appear In?

Which Baskets Do They Appear In?

Buy OSCR or LAZ in Nemo

Zero Commission

Trusted & Regulated

6% Interest on Cash

Discover More Comparisons

Oscar Health vs Selective

Oscar Health vs Upstart

Oscar Health vs Lemonade

Frequently asked questions

What does it mean to compare two stocks in a single page?

How should I read ‘pros and cons’ for each stock?

What does a high price-to-earnings or price-to-book ratio imply in this comparison?

Why is ‘growth vs. profitability’ important when comparing winners and losers?

How should I interpret ‘analyst consensus’ and target prices in this page?

What market conditions influence the performance of these two stocks?

How does cyclicality affect this two-stock comparison?

What does ‘revenue diversification’ mean in this comparison?

Is this page a recommendation guide, or a neutral educational resource?

Educational disclaimer for readers

Comparison Snapshot

About The Companies