LIVE
OSCR
Oscar Health, Inc. · Health Care - Health Insurance
$28.40
+15.82% this month
VERSUS
⟷
COMPARE
AGL
Alignment Healthcare, Inc. · Health Care - Medicare Advantage
$113.80
+29.02% this month
Scoreboard verdict
Across AI score, momentum, valuation, upside, operating margin
OSCR
2
AGL
2
Comparison scoreboard
MIXED SETUPAI Score
OSCR ✓24.8
AGL 22.7
1Y Return
OSCR +51.31%
AGL ✓+108.81%
Fwd P/E
OSCR 19.44
AGL ✓-184.48
Target Up.
OSCR ✓-20.42%
AGL -46.96%
Op. Margin
OSCR N/A
AGL N/A
Metrics last refreshed: 6/22/2026
Quick take
OSCR vs AGL Stock Comparison: AI Score, Valuation, Performance and Upside
OSCR (Oscar Health) and AGL (Alignment Healthcare) are both technology-driven health insurance companies targeting different government-subsidized insurance markets — Oscar in ACA commercial markets and Alignment in Medicare Advantage for seniors. Both use technology to improve member health management and reduce medical costs, with both working toward profitability after years of investment in building scale.
OSCR vs AGL represents technology-first health insurance innovation — Oscar's ACA marketplace digital health plan versus Alignment's senior Medicare Advantage value-based care platform, both disrupting traditional fee-for-service insurance models.
Live analysis · updated 6/22/2026
OSCR and AGL are closely matched — they split the tracked metrics evenly. AGL leads on both 1-year return (+108.81%) and forward P/E (-184.48x vs 19.44x for OSCR), a relatively favorable combination of momentum and valuation. Analyst consensus implies meaningfully more upside for OSCR (-20.42%) than for AGL (-46.96%).
Normalized 1Y performance
OSCR
AGL
Recent returns
OSCR
AGL
Analyst price targets & sentiment
OSCR · 10 analysts
STRONG BUYHOLDSTRONG SELL
Hold (2.8/5.0)
Price target range
analyst low$13.00
analyst high$35.00
analyst mean$22.60
current price$28.40
-20.4% upside to analyst mean
AGL · 14 analysts
STRONG BUYHOLDSTRONG SELL
Hold (2.6/5.0)
Price target range
analyst low$22.00
analyst high$95.00
analyst mean$60.36
current price$113.80
-47.0% upside to analyst mean
Who should consider this stock?
OSCR may suit investors who:
- →Want ACA marketplace health insurance exposure with a technology-first member experience and concierge-style care management
- →Value Oscar's vertically integrated approach combining insurance, care networks, and technology for improved medical cost management
- →See ACA subsidy expansion and individual mandate as structural tailwinds for marketplace health insurance volume growth
AGL may suit investors who:
- →Want Medicare Advantage exposure leveraging technology for value-based senior care management
- →See demographic tailwinds from baby boomer Medicare enrollment as a secular multi-decade growth driver for Medicare Advantage plans
- →Value Alignment's CONNECT platform for chronic care coordination as a genuine cost management tool for high-risk senior populations
Performance & AI score
| Metric | OSCR | AGL |
|---|---|---|
| AI score | 24.8 | 22.7 |
| AI rank | #2993 | #3929 |
| Latest close | $28.40 | $113.80 |
| 1M return | +15.82% | +29.02% |
| 6M return | +84.54% | +577.38% |
| 1Y return | +51.31% | +108.81% |
$10,000 invested — hypothetical growth (dividends reinvested)
How much would $10,000 be worth today if invested at the start of each period, with all dividends reinvested?
| Period | OSCR | AGL |
|---|---|---|
| 1Y ago | $15.13K (+51.3%) started 2025-06-18 | $20.88K (+108.8%) started 2025-06-18 |
| 5Y ago | $11.9K (+19.0%) started 2021-06-18 | $1.05K (-89.5%) started 2021-06-18 |
| 10Y ago | $8.16K (-18.4%) started 2021-03-03 | $1.47K (-85.3%) started 2021-04-15 |
Hypothetical — past performance does not guarantee future results.
Valuation & upside potential
| Metric | OSCR | AGL |
|---|---|---|
| Market cap | $8.56B | $1.9B |
| Trailing P/E | N/A | N/A |
| Forward P/E | 19.44 | -184.48 |
| Price/Sales | 0.64 | 0.33 |
| EV/Revenue | 0.17 | 0.29 |
| Analyst target | $22.60 | $60.36 |
| Target upside | -20.42% | -46.96% |
Growth, profitability & risk
| Metric | OSCR | AGL |
|---|---|---|
| Revenue growth | 52.60% | -7.30% |
| Earnings growth | 125.60% | 301.00% |
| EPS growth | +125.60% | +301.00% |
| FCF margin | +12.24% | -1.79% |
| Operating margin | N/A | N/A |
| Profit margin | -0.30% | -6.09% |
| ROIC proxy | -2.62% | -109.59% |
| Return on equity | -2.62% | -109.59% |
| Dividend yield | 0.00% | 0.00% |
| Beta | 2.39 | 3.04 |
| Debt/equity | 28.93 | 18.41 |
| Current ratio | 1.09 | 1.04 |
| Quick ratio | 1.07 | 0.92 |
Drawdown & downside risk
Lower drawdown and smaller single-period drops generally indicate a smoother ride, though they do not guarantee lower future risk.
1Y risk snapshot
OSCR max drawdown51.71%
AGL max drawdown86.98%
OSCR max wkly drop22.81%
AGL max wkly drop54.40%
5Y risk snapshot
OSCR max drawdown90.99%
AGL max drawdown99.27%
OSCR max wkly drop31.69%
AGL max wkly drop54.40%
10Y risk snapshot
OSCR max drawdown94.15%
AGL max drawdown99.27%
OSCR max wkly drop31.69%
AGL max wkly drop54.40%
Performance metrics by period
| Period | Metric | OSCR | AGL |
|---|---|---|---|
| 1Y | Growth | +51.31% | +108.81% |
| CAGR | +51.35% | +108.91% | |
| Sharpe ratio | 0.87 | 1.14 | |
| Max drawdown | 51.71% | 86.98% | |
| Max daily drop | 18.73% | 51.52% | |
| Max wkly drop | 22.81% | 54.40% | |
| 5Y | Growth | +19.03% | -89.48% |
| CAGR | +3.55% | -36.26% | |
| Sharpe ratio | 0.38 | -0.01 | |
| Max drawdown | 90.99% | 99.27% | |
| Max daily drop | 24.52% | 51.52% | |
| Max wkly drop | 31.69% | 54.40% | |
| 10Y | Growth | -18.39% | -85.32% |
| CAGR | -3.77% | -30.98% | |
| Sharpe ratio | 0.28 | 0.06 | |
| Max drawdown | 94.15% | 99.27% | |
| Max daily drop | 24.52% | 51.52% | |
| Max wkly drop | 31.69% | 54.40% |
Business comparison
| Category | OSCR | AGL |
|---|---|---|
| Company | Oscar Health, Inc. | Alignment Healthcare, Inc. |
| Sector | Health Care - Health Insurance | Health Care - Medicare Advantage |
| Industry | N/A | N/A |
| Core business | Oscar Health is a technology-first health insurance company offering individual, family, and small group health plans primarily through the ACA marketplace exchanges, using a vertically integrated approach that includes its own care network and technology-driven member engagement tools. | Alignment Healthcare operates value-based Medicare Advantage plans for seniors, using its CONNECT platform to coordinate care, manage chronic conditions, and improve outcomes for its members, operating in California, North Carolina, Arizona, Nevada, and other states. |
| Investor focus | Investors track Oscar's medical loss ratio (MLR), member growth, premium revenue, administrative expense ratio, and the path to sustained profitability after years of operating losses while scaling its insurance and provider network model. | Investors track Alignment's member growth, medical cost ratio, CONNECT technology platform effectiveness in reducing utilization, and the company's ability to achieve profitability at scale. |
OSCR strengths
- →Technology-first member experience with a concierge-quality digital health management platform, care teams, and telemedicine access
- →ACA marketplace health insurance has structural tailwinds from expanded subsidies and mandates that have grown enrollment significantly
- →Co-CEO Josh Kushner's backing provides capital and strategic credibility for Oscar's technology-enabled health plan model
AGL strengths
- →Medicare Advantage is a high-growth, government-supported insurance product as millions of baby boomers age into Medicare eligibility
- →CONNECT platform provides data-driven care coordination that can proactively manage seniors' chronic conditions and reduce expensive hospitalizations
- →Value-based care model aligns Alignment's financial incentives with good patient outcomes — managing health costs is the same as managing business costs
Risks to watch — OSCR
- →Health insurance MLR has been challenging — managing medical costs while keeping premiums competitive in ACA markets is operationally complex
- →Oscar operates in competitive ACA exchange markets where plan selection is price-sensitive and member retention can be low
- →ACA subsidy levels and regulatory changes could shift marketplace economics significantly, affecting Oscar's premium volume and profitability
Risks to watch — AGL
- →Medicare Advantage reimbursement rates from CMS are subject to annual adjustment — unfavorable rate updates directly affect plan profitability
- →Seniors with complex chronic conditions create significant medical cost uncertainty that technology alone cannot fully predict or prevent
- →Competition from UnitedHealth (UnitedHealthcare), Humana, and CVS Health (Aetna) in Medicare Advantage is intense with large incumbents having cost advantages from scale
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