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

OSCR has the lower trailing P/E: OSCR trades at 21.99 and SOFI at 38.40. P/E is one valuation measure and does not by itself establish which business is cheaper.

Which has grown faster, OSCR or SOFI?

Over the past five years, OSCR grew revenue faster — OSCR at a 64.83% CAGR versus SOFI at 42.36%.

Is OSCR or SOFI more profitable?

SOFI runs the higher net margin — OSCR at 3.60% versus SOFI at 11.40%.

How have OSCR and SOFI total returns compared?

Over the past 5 years, OSCR delivered 15.93% and SOFI delivered 4.22% annualized total return. Past performance doesn't predict future results.

Oscar Health, Inc. (OSCR) vs SoFi Technologies, Inc. (SOFI)

A side-by-side comparison of Oscar Health, Inc. and SoFi Technologies, 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: OSCR is classified in Healthcare; SOFI is classified in Financial Services. Margin, capital intensity, and valuation differences should be interpreted in that sector context.

OSCR

Oscar Health, Inc.

$8.49B

$32.76HealthcareDelayed quote: Aug 14, 2026, 4:00 PM EDT

SOFI

SoFi Technologies, Inc.

$23.46B

$18.29Financial ServicesDelayed quote: Aug 14, 2026, 4:00 PM EDT

Total return — OSCR vs SOFI

growth of $100 · dividends reinvested · last 5y

OSCR -11.6% (-2.4%/yr)SOFI -1.8% (-0.4%/yr)SOFI compounded faster over this window

OSCR SOFI

OSCR vs SOFI: by the numbers

•SOFI is the larger company ($23.46B vs $8.49B market cap).
•OSCR trades at the lower trailing earnings multiple (21.99 vs 38.40 P/E), one valuation lens rather than an overall verdict.
•SOFI converts more revenue to profit (11.40% vs 3.60% net margin).
•OSCR grew revenue faster over the past five years (64.83% vs 42.36% CAGR).

Metrics side by side

Valuation

Metric	OSCR	SOFI
P/E ratio	21.99	38.40
Forward P/E	27.88	30.91
P/S ratio	0.67	4.46
P/B ratio	5.00	2.25
EV / EBITDA	10.15	N/A
FCF yield	42.19%	N/A

Profitability

Metric	OSCR	SOFI
Gross margin	14.38%	76.46%
Operating margin	4.07%	13.22%
Net margin	3.60%	11.40%
ROE	26.84%	5.74%
ROIC	N/A	3.79%

Growth (annualized)

Metric	OSCR	SOFI
Revenue CAGR (5Y)	64.83%	42.36%
FCF CAGR (5Y)	80.81%	N/A
Total return CAGR (5Y)	15.93%	4.22%

Frequently asked

Which has the lower trailing P/E, OSCR or SOFI?: OSCR has the lower trailing P/E: OSCR trades at 21.99 and SOFI at 38.40. P/E is one valuation measure and does not by itself establish which business is cheaper.
Which has grown faster, OSCR or SOFI?: Over the past five years, OSCR grew revenue faster — OSCR at a 64.83% CAGR versus SOFI at 42.36%.
Is OSCR or SOFI more profitable?: SOFI runs the higher net margin — OSCR at 3.60% versus SOFI at 11.40%.
How have OSCR and SOFI total returns compared?: Over the past 5 years, OSCR delivered 15.93% and SOFI delivered 4.22% annualized total return. Past performance doesn't predict future results.

Go deeper

Full OSCR analysis Full SOFI analysis Interactive comparison tool

Dig into the metrics

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

Oscar Health & SoFi Technologies appear in these rankings

Fastest Revenue Growth Stocks Highest ROE 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 August 14, 2026.