Sifting through countless of stocks in the Insurance industry can be tedious, and sometimes two stocks are just too similar to judge which is the better investment. If you’re on the fence about investing in Oscar Health, Inc. or Arthur J. Gallagher & Co. because you’re not sure how they measure up, it’s important to compare them on a few factors before making your decision.

Read on to learn how Oscar Health, Inc. and Arthur J. Gallagher & Co. compare based on key financial metrics to determine which better meets your investment needs.

About Oscar Health, Inc. and Arthur J. Gallagher & Co.

Oscar Health, Inc. operates as a healthcare technology company in the United States. The company offers health plans to individuals, families, employees, and small group markets. It also provides +Oscar platform that power others throughout the healthcare system; Campaign Builder platform, an engagement and recommendation platform for providers and payors; and reinsurance products. In addition, the company offers brokerage services and enrollment platform for brokers and consumers to shop, buy, and enroll in medical and supplemental health 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.

Arthur J. Gallagher & Co., together with its subsidiaries, provides insurance and reinsurance brokerage, consulting, and third-party property/casualty claims settlement and administration services to entities and individuals worldwide. The company operates in Brokerage and Risk Management segments. Its Brokerage segment offers retail and wholesale insurance and reinsurance brokerage services; assists retail brokers and other non-affiliated brokers in the placement of specialized and hard-to-place insurance; and acts as a brokerage wholesaler, managing general agent, and managing general underwriter for distributing specialized insurance coverages to underwriting enterprises. This segment performs activities, including marketing, underwriting, issuing policies, collecting premiums, appointing and supervising other agents, paying claims, and negotiating reinsurance; and offers services in the areas of insurance and reinsurance placement, risk of loss management, and management of employer sponsored benefit programs. The Risk Management segment provides contract claim settlement and administration services; and claims management, loss control consulting, and insurance property appraisal services. The company offers its services through a network of correspondent brokers and consultants. It serves commercial, industrial, public, religious, and nonprofit entities, as well as underwriting enterprises. The company was founded in 1927 and is headquartered in Rolling Meadows, Illinois.

Latest Insurance and Oscar Health, Inc., Arthur J. Gallagher & Co. Stock News

As of October 14, 2026, Oscar Health, Inc. had a $10.6 billion market capitalization, compared to the Insurance median of $5.7 million. Oscar Health, Inc.’s stock is up 132.3% in 2026, up 0.8% in the previous five trading days and up 68.24% in the past year.

Currently, Oscar Health, Inc.’s price-earnings ratio is 18.0. Oscar Health, Inc.’s trailing 12-month revenue is $15.3 billion with a 3.6% net profit margin. Year-over-year quarterly sales growth most recently was 70.4%. Analysts expect adjusted earnings to reach $1.944 per share for the current fiscal year. Oscar Health, Inc. does not currently pay a dividend.

As of October 14, 2026, Arthur J. Gallagher & Co. had a $60.8 billion market cap, putting it in the 95th percentile of all stocks. Arthur J. Gallagher & Co.’s stock is down 3.1% in 2026, up 7.1% in the previous five trading days and down 20.46% in the past year.

Currently, Arthur J. Gallagher & Co.’s price-earnings ratio is 39.3. Arthur J. Gallagher & Co.’s trailing 12-month revenue is $15.1 billion with a 10.4% net profit margin. Year-over-year quarterly sales growth most recently was 30.9%. Analysts expect adjusted earnings to reach $13.099 per share for the current fiscal year. Arthur J. Gallagher & Co. currently has a 1.2% dividend yield.

How We Compare Oscar Health, Inc. and Arthur J. Gallagher & Co. Stock Grades

Stock evaluation requires access to huge amounts of data and the knowledge and time to sift through it all, make sense of financial ratios, read income statements and analyze recent stock movements. AAII created A+ Investor, a robust data suite that condenses data research in an actionable and customizable way suitable for investors of all knowledge levels, to help investors streamline and work through such data.

AAII’s proprietary stock grades come with A+ Investor. These offer intuitive A‐F grades for each of five key investing factors: value, growth, momentum, earnings estimate revisions and quality. Here, we’ll take a closer look at Oscar Health, Inc. and Arthur J. Gallagher & Co.’s stock grades to see how they measure up against one another.

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Oscar Health, Inc. and Arthur J. Gallagher & Co. Stock Value Grades

Company	Ticker	Value
Oscar Health, Inc.	OSCR	C
Arthur J. Gallagher & Co.	AJG	D

Successful stock investing involves buying low and selling high, so stock valuation is an important consideration for stock selection.

Buying stocks that are going to go up typically means buying stocks that are undervalued in the first place, although momentum investors may argue that point.

AAII’s A+ Investor Value Grade derives from a stock’s value score. The Value Score is the percentile rank of the average of the percentile ranks of the price-to-sales ratio, price-earnings ratio, enterprise-value-to-EBITDA (EV/EBITDA) ratio, shareholder yield, price-to-book-value ratio and price-to-free-cash-flow ratio. The score is variable, meaning it can consider all six ratios or, should any of the six ratios not be valid, the remaining ratios that are valid. To be assigned a Value Score, stocks must have a valid (non-null) ratio and corresponding ranking for at least two of the six valuation ratios.

Stocks with a Value Score from 81 to 100 are considered deep value, those with a score between 61 and 80 are a good value and so on.

Oscar Health, Inc. has a Value Score of 58, which is Average. Arthur J. Gallagher & Co. has a Value Score of 21, which is Expensive.

The Value Stock Winner: No Clear Winner

Neither Oscar Health, Inc. or Arthur J. Gallagher & Co. has a high enough value grade to be considered a “winner.” Investors who are considering these companies should do additional due diligence and research to see if either could be a good addition to their portfolio. It’s important to look at a wide range of financial metrics in order to determine if Oscar Health, Inc. or Arthur J. Gallagher & Co. is the better investment when it comes to value.

Oscar Health, Inc. and Arthur J. Gallagher & Co. Growth Grades

Company	Ticker	Growth
Oscar Health, Inc.	OSCR	D
Arthur J. Gallagher & Co.	AJG	A

The foundation of growth investing is seeking out stocks of companies exhibiting strong, consistent and prolonged growth that is expected to continue into the future.

In order to compute the growth score and assign it a letter grade, the percentile ranks for each of three components‐consistency of annual sales growth, five-year sales growth rankings adjusted for extreme levels, and consistency of positive annual cash from operations‐must be determined. These three rank figures are added together, and the sum is ranked against the entire stock universe to arrive at a company’s Growth Score to create an equal distribution of grades.

The companies in the bottom 20% of the stock universe receive Growth Grades of F, considered to be very weak, while those in the top 20% receive A grades, which are considered very strong.

Oscar Health, Inc. has a Growth Score of 37, which is Weak. Arthur J. Gallagher & Co. has a Growth Score of 89, which is Very Strong.

The Growth Grade Winner: Arthur J. Gallagher & Co.

As you can clearly see from the Growth Grade breakdown above, Arthur J. Gallagher & Co. has a more attractive growth grade than Oscar Health, Inc.. For investors who focus solely on how a company is growing relative to other companies in the same industry, Arthur J. Gallagher & Co. could be a good stock to add to their portfolio. However, it’s important for investors to analyze multiple factors based on a wide range of metrics before deciding whether to buy.

Oscar Health, Inc. and Arthur J. Gallagher & Co.’s Estimate Revisions Grades

Company	Ticker	Earnings Estimate
Oscar Health, Inc.	OSCR	A
Arthur J. Gallagher & Co.	AJG	D

Earnings estimate revisions scores consider the magnitude of a company’s earnings surprise in its last two reported fiscal quarters. Often, positive surprises beget further positive surprises‐or at least continued sales growth (the exact opposite is generally true, too).

Estimate revisions offer an indication of what analysts are thinking about the short-term prospects of a firm. Estimate revisions are based on the statistical significance of a firm’s last two quarterly earnings surprises and the percentage change in its consensus estimate for the current fiscal year over the past month and past three months.

Oscar Health, Inc. has a Earnings Estimate Score of 81, which is Very Positive. Arthur J. Gallagher & Co. has a Earnings Estimate Score of 33, which is Negative.

The Earnings Estimate Revisions Grade Winner: Oscar Health, Inc.

As you can clearly see from the Earnings Estimate Revisions Grade breakdown above, Oscar Health, Inc. has a better Earnings Estimate Revisions Grade than Arthur J. Gallagher & Co.. For those who are specifically looking for companies with better short-term prospects when compared to other companies in the same industry, Oscar Health, Inc. could be a good stock to invest in. However, it’s important to analyze multiple factors based on a wide range of metrics before deciding whether to buy.

Other Oscar Health, Inc. and Arthur J. Gallagher & Co. Grades

In addition to Value, Estimate Revisions and Growth, A+ Investor also provides grades for Momentum and Quality.

Momentum grades help uncover stocks experiencing anomalously high rates of return; research finds that stocks with high relative levels of momentum tend to outperform, whereas those with low levels of momentum tend to continue underperforming.

AAII’s A+ Investor Quality Grade comes from the ranking of key metrics. Specifically, the quality grade is the percentile rank of the composite of return on assets (ROA), return on invested capital (ROIC), gross profit relative to assets, buyback yield, change in total liabilities to assets, accruals, Z double prime bankruptcy risk (Z) score and F-Score.

These 2 key factors, when combined with the above, provide a holistic view into a particular stock. Further, by joining A+ Investor you can see whether Oscar Health, Inc. and Arthur J. Gallagher & Co. pass any of our 60+ stock screens that have outperformed the market since their creation.

So, Which Is the Better Investment, Oscar Health, Inc. or Arthur J. Gallagher & Co. Stock?

Overall, Oscar Health, Inc. stock has a Value Score of 58, Growth Score of 37 and Estimate Revisions Score of 81.

Arthur J. Gallagher & Co. stock has a Value Score of 21, Growth Score of 89 and Estimate Revisions Score of 33.

Comparing Oscar Health, Inc. and Arthur J. Gallagher & Co.’s grades, scores and metrics can act as a solid basis to determine whether they may be a good investment or not. You’ll also want to look at your portfolio’s asset allocation as well as your risk tolerance and financial goals to see if either of these stocks would make a good fit for you. AAII can help you figure out which investments align with your individual needs and preferences.

Investors are encouraged to do their own due diligence and research. In this way, individuals can effectively become managers of their own assets‐without having to rely on others for financial independence. You can count on AAII for timeless articles on financial planning and stock-picking, unbiased research and actionable analysis.

A+ Investor adds to our qualitative teaching with a powerful data suite to help you whittle down investment choices to find stocks, exchange-traded funds (ETFs) or mutual funds that meet your needs.

AAII Disclaimer

We make no representations or warranties that any investor will, or is likely to, achieve profits similar to those shown, because past, hypothetical or simulated performance is not necessarily indicative of future results. Before making an investment decision, you should consider your circumstances and whether the information on our content is applicable to your situation. This information was prepared in good faith, and we accept no liability for any errors or omissions. The full disclaimer can be read here.