Clover Health Investments vs Oscar Health
Oscar Health is the larger business, with $11.70bn of revenue in fiscal 2025 against $1.92bn for Clover Health Investments (6.1 times as much). Clover Health Investments grew faster (40.3% against 27.5%). Oscar Health kept more of each dollar of sales as profit: a net margin of -3.8% against -4.4%. Clover Health Investments carries less debt relative to equity (0.0% against 44.0%).
| Latest fiscal year | Clover Health InvestmentsCLOV, 2025 | Oscar HealthOSCR, 2025 |
|---|---|---|
| Revenue | $1.92bn | $11.70bn |
| Revenue growth | 40.3% | 27.5% |
| Net income | −$85.5m | −$443m |
| Operating margin | -4.4% | -3.4% |
| Net margin | -4.4% | -3.8% |
| Return on equity | -26.3% | -44.5% |
| Free cash flow | −$69.0m | $1.06bn |
| Cash | $78.3m | $2.77bn |
| Total debt | $0 | $430m |
| Debt to equity | 0.0% | 44.0% |
| Dividend per share | — | — |
| Dividend yield | — | — |
| Share buybacks | $18.3m | — |
| Employees | 724 | 2,305 |
| Market value | $2.35bn | $10.34bn |
| Price vs our value range | — | — |
| Moat score | 17 (Weak) | 37 (Weak) |
| Insider trades, 12 months | 0 buys, 42 sales | 1 buys, 61 sales |