Oscar Health vs Radian

Oscar Health, Inc. and Radian Group Inc. this page compares business models, financial performance, and market context in a neutral, accessible way. It explains how each company creates value, operates within its sector, and how external factors shape their strategies. The aim is to inform readers without providing investment advice. Educational content, not financial advice.

Comparison Snapshot

Key Financial Metrics

OSCR

Metric

RDN

$4.21B

Market Cap

$4.50B

2.60%

Potential Profit

16.95%

Hold

Analyst Rating

Hold

Investment Analysis

Oscar Health

OSCR

Pros

Oscar Health has expanded its technology platform to support both direct health plans and third-party providers, enhancing its market reach.
The company operates in the growing individual and small group health insurance segment, benefiting from increased demand for flexible coverage options.
Oscar Health maintains a relatively low price-to-sales ratio compared to sector peers, suggesting potential undervaluation.

Considerations

Oscar Health continues to report net losses, reflected in its negative price-to-earnings ratio, raising concerns about profitability.
The stock faces significant downside risk as analyst targets suggest a potential decline from current levels.
The company's business model is highly sensitive to regulatory changes and healthcare policy shifts, which could impact margins and growth.

Radian

RDN

Pros

Radian Group demonstrates strong profitability with consistent year-on-year growth in both revenue and net income.
The company offers a competitive dividend yield, supported by a stable cash flow from its core mortgage insurance operations.
Radian's low price-to-earnings ratio suggests the stock may be attractively valued relative to its earnings performance.

Considerations

Radian's financial results are closely tied to the US housing market, exposing it to cyclical downturns and interest rate volatility.
Analysts have assigned a 'Hold' rating, indicating limited near-term upside potential despite solid fundamentals.
Future earnings could normalize as the mortgage insurance market matures and competition intensifies.

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.

Radian (RDN)

Radian Group Inc. (RDN) is a US-based mortgage insurance and real-estate services firm that underwrites mortgage default risk and offers related risk-management solutions. Investors should know that Radian’s earnings come from premium income, investment returns on capital and the company’s ability to manage claims and reserves. The business tends to benefit from stable or rising home prices and strong employment, which reduce claim rates, while a downturn in housing or weakening borrower credit can raise losses. Radian is also sensitive to interest-rate moves because they influence mortgage origination and refinancing activity. Capitalisation and regulatory capital requirements affect how much new business the group can write and how it returns capital to shareholders. With a market capitalisation of about $4.6bn, Radian sits in the mid‑cap financial space; it may appeal to investors seeking exposure to the mortgage finance cycle, but suitability depends on risk tolerance, time horizon and portfolio context. This is general information, not personalised financial advice.

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 RDN 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 Radian

Comparison Snapshot

Investment Analysis

Oscar Health

Pros

Considerations

Radian

Pros

Considerations

About The Companies

Which Baskets Do They Appear In?

Which Baskets Do They Appear In?

Buy OSCR or RDN 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 do the two stocks represent in this comparison and why are their business models different?

How do profitability metrics differ between the two companies in this page?

What is price-to-earnings (P/E) and why does it matter in this comparison?

What do the ‘pros’ and ‘cons’ indicate about growth prospects for each stock?

How should an investor interpret volatility from sector sensitivity in this comparison?

What does dividend yield mean in the context of these two stocks?

How do market contexts shape the outlook for Oscar Health and Radian?

Why might analyst ratings differ between these two stocks?

How should a beginner use this page to compare stocks without giving financial advice?

What is the educational disclaimer included in this comparison?

Comparison Snapshot

About The Companies