Nu Holdings Ltd. (NU) vs Oscar Health, Inc. (OSCR)
A side-by-side comparison of Nu Holdings Ltd. and Oscar Health, Inc. across valuation, profitability, dividends, and growth — built entirely from reported fundamentals, as of September 13, 2026. Differences are shown without an overall score or investment verdict.
Different business models: NU is classified in Financial Services; OSCR is classified in Healthcare. Margin, capital intensity, and valuation differences should be interpreted in that sector context.
NU
Nu Holdings Ltd.
$12.23Financial ServicesDelayed quote: Sep 28, 2026, 4:00 PM EDT
OSCR
Oscar Health, Inc.
$29.65HealthcareDelayed quote: Sep 28, 2026, 4:00 PM EDT
Total return — NU vs OSCR
growth of $100 · dividends reinvested · last 5yNU +41.5% (+7.2%/yr)OSCR +235.8% (+27.4%/yr)OSCR compounded faster over this window
NU OSCR
NU vs OSCR: by the numbers
- •NU is the larger company ($59.23B vs $7.69B market cap).
- •NU trades at the lower trailing earnings multiple (16.53 vs 21.18 P/E), one valuation lens rather than an overall verdict.
- •NU converts more revenue to profit (18.61% vs 3.60% net margin).
- •NU grew revenue faster over the past five years (90.72% vs 64.83% CAGR).
Metrics side by side
Valuation
| Metric | NU | OSCR |
|---|---|---|
| P/E ratio | 16.53 | 21.18 |
| Forward P/E | 13.98 | 17.20 |
| P/S ratio | 3.06 | 0.50 |
| P/B ratio | 4.47 | 3.75 |
| EV / EBITDA | N/A | 6.20 |
| FCF yield | N/A | 56.39% |
Profitability
| Metric | NU | OSCR |
|---|---|---|
| Gross margin | 44.03% | 14.38% |
| Operating margin | 22.62% | 4.07% |
| Net margin | 18.61% | 3.60% |
| ROE | 27.22% | 26.84% |
| ROIC | N/A | 22.98% |
Growth (annualized)
| Metric | NU | OSCR |
|---|---|---|
| Revenue CAGR (5Y) | 90.72% | 64.83% |
| FCF CAGR (5Y) | N/A | 80.81% |
| Total return CAGR (5Y) | N/A | 13.36% |
Frequently asked
- Which has the lower trailing P/E, NU or OSCR?
- NU has the lower trailing P/E: NU trades at 16.53 and OSCR at 21.18. P/E is one valuation measure and does not by itself establish which business is cheaper.
- Which has grown faster, NU or OSCR?
- Over the past five years, NU grew revenue faster — NU at a 90.72% CAGR versus OSCR at 64.83%.
- Is NU or OSCR more profitable?
- NU runs the higher net margin — NU at 18.61% versus OSCR at 3.60%.
Go deeper
Dig into the metrics
Nu P/E ratioOscar Health P/E ratioNu ROEOscar Health ROENu operating marginOscar Health operating marginNu revenue growthOscar Health revenue growthOscar Health free cash flow
Nu & Oscar Health appear in these rankings
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 September 13, 2026.