Ping An Insurance Co. of China (OTCMKTS:PNGAY) versus Oscar Health (NYSE:OSCR) Financial Analysis

Ping An Insurance Co. of China (OTCMKTS:PNGAY) and Oscar Health (NYSE:OSCR) are both finance companies, but which is the superior stock? We will contrast the two businesses based on the strength of their profitability, institutional ownership, risk, valuation, analyst recommendations, dividends and earnings.

Insider and Institutional Ownership

0.0% of Ping An Insurance Co. of China shares are owned by institutional investors. Comparatively, 75.7% of Oscar Health shares are owned by institutional investors. 0.1% of Ping An Insurance Co. of China shares are owned by insiders. Comparatively, 25.1% of Oscar Health shares are owned by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company is poised for long-term growth.

Volatility and Risk

Ping An Insurance Co. of China has a beta of 0.32, indicating that its stock price is 68% less volatile than the S&P 500. Comparatively, Oscar Health has a beta of 2.37, indicating that its stock price is 137% more volatile than the S&P 500.

Analyst Recommendations

This is a breakdown of recent ratings and price targets for Ping An Insurance Co. of China and Oscar Health, as reported by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Ping An Insurance Co. of China	0	1	0	0	2.00
Oscar Health	2	7	2	1	2.17

Oscar Health has a consensus price target of $19.22, suggesting a potential downside of 13.58%. Given Oscar Health’s stronger consensus rating and higher probable upside, analysts clearly believe Oscar Health is more favorable than Ping An Insurance Co. of China.

Profitability

This table compares Ping An Insurance Co. of China and Oscar Health’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Ping An Insurance Co. of China	11.80%	10.91%	1.10%
Oscar Health	-0.30%	-3.26%	-0.57%

Valuation & Earnings

This table compares Ping An Insurance Co. of China and Oscar Health”s gross revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Ping An Insurance Co. of China	$158.64 billion	0.88	$18.75 billion	$2.01	7.64
Oscar Health	$11.70 billion	0.57	-$443.15 million	($0.59)	-37.70

Ping An Insurance Co. of China has higher revenue and earnings than Oscar Health. Oscar Health is trading at a lower price-to-earnings ratio than Ping An Insurance Co. of China, indicating that it is currently the more affordable of the two stocks.

Summary

Ping An Insurance Co. of China beats Oscar Health on 8 of the 15 factors compared between the two stocks.

About Ping An Insurance Co. of China

Ping An Insurance (Group) Company of China, Ltd. provides financial products and services for insurance, banking, asset management, and technology businesses in the People's Republic of China. The company operates through Life and Health Insurance; Property and Casualty Insurance; Banking; Asset Management; and Technology segments. Its Life and Health Insurance segment offers term, whole-life, endowment, annuity, investment-linked, universal life, and health care and medical insurance to individual and corporate customers. The company's Property and Casualty Insurance segment provides auto, non-auto, and accident and health insurance to individual and corporate customers. Its Banking segment undertakes loan and intermediary businesses with corporate and retail customers; and offers wealth management and credit card services to individual customers. The company's Asset Management segment provides trust products services, brokerage services, trading services, investment banking services, investment management, finance lease, and other asset management services. Its Technology segment offers financial and daily-life services through internet platforms, such as financial transaction information service, and health care service platforms. The company also provides annuity insurance, IT and business process outsourcing, real estate investment and management, futures brokerage, project investment, currency brokerage, property agency, fund raising and distribution, real estate development and leasing, and insurance agency services. In addition, it provides factoring, equity investment, logistics and warehousing, management consulting, e-commerce, and credit information services; and operates an expressway, as well as produces and sells consumer chemicals. The company was incorporated in 1988 and is based in Shenzhen, 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.