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 August 14, 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.
$15.23Financial ServicesDelayed quote: Aug 14, 2026, 4:00 PM EDT
OSCR
Oscar Health, Inc.
$32.76HealthcareDelayed quote: Aug 14, 2026, 4:00 PM EDT
Total return — NU vs OSCR
growth of $100 · dividends reinvested · last 5yNU +34.8% (+6.2%/yr)OSCR +215.4% (+25.8%/yr)OSCR compounded faster over this window
NU OSCR
NU vs OSCR: by the numbers
- •NU is the larger company ($73.76B vs $8.49B market cap).
- •NU trades at the lower trailing earnings multiple (21.43 vs 21.99 P/E), one valuation lens rather than an overall verdict.
- •NU converts more revenue to profit (18.15% vs 3.60% net margin).
- •NU grew revenue faster over the past five years (98.88% vs 64.83% CAGR).
Metrics side by side
Valuation
| Metric | NU | OSCR |
|---|---|---|
| P/E ratio | 21.43 | 21.99 |
| Forward P/E | 16.50 | 27.88 |
| P/S ratio | 3.90 | 0.67 |
| P/B ratio | 5.43 | 5.00 |
| EV / EBITDA | N/A | 10.15 |
| FCF yield | N/A | 42.19% |
Profitability
| Metric | NU | OSCR |
|---|---|---|
| Gross margin | 43.74% | 14.38% |
| Operating margin | 22.96% | 4.07% |
| Net margin | 18.15% | 3.60% |
| ROE | 25.29% | 26.84% |
Growth (annualized)
| Metric | NU | OSCR |
|---|---|---|
| Revenue CAGR (5Y) | 98.88% | 64.83% |
| FCF CAGR (5Y) | N/A | 80.81% |
| Total return CAGR (5Y) | N/A | 15.93% |
Frequently asked
- Which has the lower trailing P/E, NU or OSCR?
- NU has the lower trailing P/E: NU trades at 21.43 and OSCR at 21.99. 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 98.88% CAGR versus OSCR at 64.83%.
- Is NU or OSCR more profitable?
- NU runs the higher net margin — NU at 18.15% 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 August 14, 2026.