Which has the lower trailing P/E, HQY or OSCR?

OSCR has the lower trailing P/E: HQY trades at 32.86 and OSCR at 23.06. P/E is one valuation measure and does not by itself establish which business is cheaper.

Which has grown faster, HQY or OSCR?

Over the past five years, OSCR grew revenue faster — HQY at a 12.96% CAGR versus OSCR at 64.83%.

Is HQY or OSCR more profitable?

HQY runs the higher net margin — HQY at 17.36% versus OSCR at 3.60%.

How have HQY and OSCR total returns compared?

Over the past 5 years, HQY delivered 7.00% and OSCR delivered 14.97% annualized total return. Past performance doesn't predict future results.

HealthEquity, Inc. (HQY) vs Oscar Health, Inc. (OSCR)

A side-by-side comparison of HealthEquity, Inc. and Oscar Health, Inc. across valuation, profitability, dividends, and growth — built entirely from reported fundamentals, as of October 6, 2026. Differences are shown without an overall score or investment verdict.

HQY

HealthEquity, Inc.

$7.61B

$91.02HealthcareDelayed quote: Oct 6, 2026, 1:55 PM EDT

OSCR

Oscar Health, Inc.

$8.37B

$32.29HealthcareDelayed quote: Oct 6, 2026, 1:55 PM EDT

Total return — HQY vs OSCR

growth of $100 · dividends reinvested · last 6y

HQY +9.8% (+1.6%/yr)OSCR -6.8% (-1.2%/yr)HQY compounded faster over this window

HQY OSCR

HQY vs OSCR: by the numbers

•OSCR is the larger company ($8.37B vs $7.61B market cap).
•OSCR trades at the lower trailing earnings multiple (23.06 vs 32.86 P/E), one valuation lens rather than an overall verdict.
•HQY converts more revenue to profit (17.36% vs 3.60% net margin).
•OSCR grew revenue faster over the past five years (64.83% vs 12.96% CAGR).

Metrics side by side

Valuation

Metric	HQY	OSCR
P/E ratio	32.86	23.06
Forward P/E	19.27	16.92
PEG ratio	0.40	N/A
P/S ratio	5.59	0.55
P/B ratio	3.82	4.08
EV / EBITDA	17.31	7.25
FCF yield	6.20%	51.78%

Profitability

Metric	HQY	OSCR
Gross margin	75.21%	14.38%
Operating margin	25.61%	4.07%
Net margin	17.36%	3.60%
ROE	11.88%	26.84%
ROIC	8.55%	22.98%

Growth (annualized)

Metric	HQY	OSCR
Revenue CAGR (5Y)	12.96%	64.83%
EPS CAGR (5Y)	83.56%	N/A
FCF CAGR (5Y)	36.72%	80.81%
Total return CAGR (5Y)	7.00%	14.97%

Frequently asked

Which has the lower trailing P/E, HQY or OSCR?: OSCR has the lower trailing P/E: HQY trades at 32.86 and OSCR at 23.06. P/E is one valuation measure and does not by itself establish which business is cheaper.
Which has grown faster, HQY or OSCR?: Over the past five years, OSCR grew revenue faster — HQY at a 12.96% CAGR versus OSCR at 64.83%.
Is HQY or OSCR more profitable?: HQY runs the higher net margin — HQY at 17.36% versus OSCR at 3.60%.
How have HQY and OSCR total returns compared?: Over the past 5 years, HQY delivered 7.00% and OSCR delivered 14.97% annualized total return. Past performance doesn't predict future results.

Go deeper

Full HQY analysis Full OSCR analysis Interactive comparison tool

Dig into the metrics

HealthEquity P/E ratio Oscar Health P/E ratio HealthEquity ROE Oscar Health ROE HealthEquity operating margin Oscar Health operating margin HealthEquity revenue growth Oscar Health revenue growth HealthEquity free cash flow Oscar Health free cash flow

HealthEquity & Oscar Health appear in these rankings

Fastest Revenue Growth Stocks Highest ROE Stocks Highest ROIC Stocks Highest FCF Yield Stocks

Figures are sourced from reported fundamentals and the latest end-of-day price. This comparison is informational only and is not investment advice. Past performance does not predict future results. See our methodology. Compiled by TGMCharts Research · data verified October 6, 2026.