Goosehead Insurance (NASDAQ:GSHD – Get Free Report) and Oscar Health (NYSE:OSCR – Get Free Report) are both finance companies, but which is the better investment? We will contrast the two companies based on the strength of their risk, earnings, analyst recommendations, institutional ownership, valuation, dividends and profitability.
Volatility & Risk
Goosehead Insurance has a beta of 1.69, suggesting that its stock price is 69% more volatile than the S&P 500. Comparatively, Oscar Health has a beta of 1.93, suggesting that its stock price is 93% more volatile than the S&P 500.
Valuation & Earnings
This table compares Goosehead Insurance 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 | |
| Goosehead Insurance | $365.30 million | 4.06 | $27.83 million | $1.04 | 38.93 |
| Oscar Health | $11.70 billion | 0.37 | -$443.15 million | ($1.74) | -8.30 |
Goosehead Insurance has higher earnings, but lower revenue than Oscar Health. Oscar Health is trading at a lower price-to-earnings ratio than Goosehead Insurance, indicating that it is currently the more affordable of the two stocks.
Analyst Recommendations
This is a summary of current ratings and recommmendations for Goosehead Insurance and Oscar Health, as provided by MarketBeat.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Goosehead Insurance | 0 | 6 | 7 | 0 | 2.54 |
| Oscar Health | 2 | 6 | 2 | 0 | 2.00 |
Goosehead Insurance presently has a consensus target price of $73.00, suggesting a potential upside of 80.29%. Oscar Health has a consensus target price of $16.88, suggesting a potential upside of 16.82%. Given Goosehead Insurance’s stronger consensus rating and higher probable upside, equities analysts clearly believe Goosehead Insurance is more favorable than Oscar Health.
Institutional & Insider Ownership
75.7% of Oscar Health shares are held by institutional investors. 48.4% of Goosehead Insurance shares are held by company insiders. Comparatively, 24.4% of Oscar Health shares are held by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company will outperform the market over the long term.
Profitability
This table compares Goosehead Insurance and Oscar Health’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| Goosehead Insurance | 7.62% | -21.31% | 7.79% |
| Oscar Health | -3.79% | -39.35% | -7.29% |
Summary
Goosehead Insurance beats Oscar Health on 11 of the 14 factors compared between the two stocks.
About Goosehead Insurance
Goosehead Insurance, Inc. operates as a holding company for Goosehead Financial, LLC that engages in the provision of personal lines insurance agency services in the United States. The company offers homeowner’s, automotive, dwelling property, flood, wind, earthquake, excess liability or umbrella, motorcycle, recreational vehicle, general liability, property, and life insurance products and services. As of December 31, 2023, it operated 1,415 franchise locations. The company was founded in 2003 and is headquartered in Westlake, Texas.
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.
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