Head to Head Contrast: Oscar Health (NYSE:OSCR) and Tian Ruixiang (NASDAQ:TIRX)

Tian Ruixiang (NASDAQ:TIRX) and Oscar Health (NYSE:OSCR) are both finance companies, but which is the better business? We will compare the two businesses based on the strength of their risk, earnings, profitability, dividends, valuation, analyst recommendations and institutional ownership.

Analyst Recommendations

This is a breakdown of current ratings and recommmendations for Tian Ruixiang and Oscar Health, as reported by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Tian Ruixiang	0	0	0	0	0.00
Oscar Health	5	4	0	0	1.44

Oscar Health has a consensus target price of $12.07, indicating a potential downside of 26.55%. Given Oscar Health’s stronger consensus rating and higher probable upside, analysts clearly believe Oscar Health is more favorable than Tian Ruixiang.

Profitability

This table compares Tian Ruixiang and Oscar Health’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Tian Ruixiang	N/A	N/A	N/A
Oscar Health	-1.50%	-13.78%	-2.99%

Institutional & Insider Ownership

10.7% of Tian Ruixiang shares are held by institutional investors. Comparatively, 75.7% of Oscar Health shares are held by institutional investors. 39.6% of Tian Ruixiang shares are held by company insiders. Comparatively, 25.1% of Oscar Health shares are held by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a stock is poised for long-term growth.

Valuation & Earnings

This table compares Tian Ruixiang and Oscar Health”s top-line revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Tian Ruixiang	$3.22 million	0.13	-$3.99 million	N/A	N/A
Oscar Health	$9.18 billion	0.46	$25.43 million	($0.81)	-20.29

Oscar Health has higher revenue and earnings than Tian Ruixiang.

Risk & Volatility

Tian Ruixiang has a beta of 0.86, meaning that its stock price is 14% less volatile than the S&P 500. Comparatively, Oscar Health has a beta of 1.87, meaning that its stock price is 87% more volatile than the S&P 500.

Summary

Oscar Health beats Tian Ruixiang on 7 of the 11 factors compared between the two stocks.

About Tian Ruixiang

Tian Ruixiang Holdings Ltd, together its subsidiaries, operates as an insurance broker in China and the United States. It distributes a range of insurance products, including property and casualty insurance, such as automobile, commercial property, liability, and accidental insurance; and life insurance comprising individual and group life insurances, as well as health and miscellaneous insurance. It serves individual or institutional customers. The company was founded in 2010 and is headquartered in Beijing, China.

About Oscar Health

Oscar Health, Inc. operates as a health insurance in the United States. The company offers health plans in individual and small group markets, as well as +Oscar, a technology driven platform that help providers and payors directly enable their shift to value-based care. It also provides reinsurance products. The company was formerly known as Mulberry Health Inc. and changed its name to Oscar Health, Inc. in January 2021. Oscar Health, Inc. was incorporated in 2012 and is headquartered in New York, New York.