OSCR vs CLOV

For growth investors, Clover Health Investments, Corp.

(CLOV) is the stronger pick with 40. 3% revenue growth year-over-year, versus 27. 5% for Oscar Health, Inc. (OSCR). Analysts rate Oscar Health, Inc. (OSCR) a "Hold" — based on 11 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.

Over the past 5 years, Oscar Health, Inc.

(OSCR) delivered a total return of -24. 0%, compared to -70. 5% for Clover Health Investments, Corp. (CLOV). Over 10 years, the gap is even starker: OSCR returned -43. 0% versus CLOV's -73. 7%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.

By beta (market sensitivity over 5 years), Clover Health Investments, Corp.

(CLOV) is the lower-risk stock at 1. 22β versus Oscar Health, Inc. 's 1. 84β — meaning OSCR is approximately 51% more volatile than CLOV relative to the S&P 500.

By revenue growth (latest reported year), Clover Health Investments, Corp.

(CLOV) is pulling ahead at 40. 3% versus 27. 5% for Oscar Health, Inc. (OSCR). On earnings-per-share growth, the picture is similar: Clover Health Investments, Corp. grew EPS -93. 6% year-over-year, compared to -1865. 9% for Oscar Health, Inc.. Over a 3-year CAGR, OSCR leads at 41. 6% annualised revenue growth. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.

Oscar Health, Inc.

(OSCR) is the more profitable company, earning -3. 8% net margin versus -4. 4% for Clover Health Investments, Corp. — meaning it keeps -3. 8% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: OSCR leads at -3. 4% versus -4. 4% for CLOV. At the gross margin level — before operating expenses — CLOV leads at 103. 6%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.

On forward earnings alone, Oscar Health, Inc.

(OSCR) trades at 32. 9x forward P/E versus 62. 6x for Clover Health Investments, Corp. — 29. 7x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for CLOV: 27. 6% to $3. 33.

None of the stocks in this comparison currently pay a material dividend.

All are effectively zero-yield and should be held for capital appreciation rather than income.

For long-horizon retirement investors, Clover Health Investments, Corp.

(CLOV) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 1. 22)). Oscar Health, Inc. (OSCR) carries a higher beta of 1. 84 — meaning larger drawdowns in market downturns, which matters significantly when you cannot wait years for a recovery. Both have compounded well over 10 years (CLOV: -73. 7%, OSCR: -43. 0%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.

Both stocks operate in the Healthcare sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both.

These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.