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 The Progressive Corporation 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 The Progressive Corporation compare based on key financial metrics to determine which better meets your investment needs.

About Oscar Health, Inc. and The Progressive Corporation

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.

The Progressive Corporation operates as an insurance company in the United States. It writes insurance for personal autos and special lines products, including motorcycles, RVs, and watercraft; and personal residential property insurance for homeowners and renters. The company also writes auto-related liability and physical damage insurance for comprising dump trucks, log trucks, garbage trucks, tractors, trailers, straight trucks, tow trucks and wreckers, vans, pick-up trucks, and autos; business-related general liability and commercial property insurance for small businesses; and workers’ compensation insurance for the transportation industry. In addition, it offers other specialty property-casualty insurance and provides related services; personal property reinsurance products; and involved in investment activities. It sells its products through independent insurance agencies, as well as online and over the phone. The Progressive Corporation was founded in 1937 and is headquartered in Mayfield, Ohio.

Latest Insurance and Oscar Health, Inc., The Progressive Corporation Stock News

As of November 2, 2026, Oscar Health, Inc. had a $9.6 billion market capitalization, compared to the Insurance median of $6.2 million. Oscar Health, Inc.’s stock is up 115.7% in 2026, down 0.3% in the previous five trading days and up 71.37% in the past year.

Currently, Oscar Health, Inc.’s price-earnings ratio is 16.2. 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 November 2, 2026, The Progressive Corporation had a $135.6 billion market cap, putting it in the 98th percentile of all stocks. The Progressive Corporation’s stock is up 2.7% in 2026, up 2% in the previous five trading days and up 13.02% in the past year.

Currently, The Progressive Corporation’s price-earnings ratio is 11.7. The Progressive Corporation’s trailing 12-month revenue is $91.0 billion with a 12.7% net profit margin. Year-over-year quarterly sales growth most recently was 7.3%. Analysts expect adjusted earnings to reach $18.458 per share for the current fiscal year. The Progressive Corporation currently has a 5.9% dividend yield.

How We Compare Oscar Health, Inc. and The Progressive Corporation 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 The Progressive Corporation’s stock grades to see how they measure up against one another.

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Oscar Health, Inc. and The Progressive Corporation Stock Value Grades

Company	Ticker	Value
Oscar Health, Inc.	OSCR	B
The Progressive Corporation	PGR	B

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 62, which is Value. The Progressive Corporation has a Value Score of 67, which is Value.

The Value Stock Winner: It’s a Tie!

Looking at the Value Grade breakdown above, both Oscar Health, Inc. and The Progressive Corporation have a Value Grade of B. For investors who focus solely on a company’s valuation, you will need to conduct further research into both of these companies’ other metrics to see if they could be good additions to your portfolio. 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 The Progressive Corporation’s Quality Grades

Company	Ticker	Quality
Oscar Health, Inc.	OSCR	B
The Progressive Corporation	PGR	C

Like the Value Grade, AAII’s A+ Investor Quality Grade comes from the percentile rank of key metrics. Specifically, the Quality Score is the percentile rank of the average of the percentile ranks 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 the F-Score.

The score is variable, meaning it can consider all eight measures or, should any of the eight measures not be valid, the remaining measures that are valid. To be assigned a Quality Score, stocks must have a valid (non-null) measure and corresponding ranking for at least four of the eight quality measures.

The Quality Score is used to assess the underlying “quality” of a particular stock. A higher-quality stock possesses traits associated with upside potential and reduced downside risk. Backtesting of the Quality Grade shows that stocks with higher grades, on average, outperformed stocks with lower grades over the period of 1998 through 2019.

Stocks receive better grades (higher scores) for having higher scores for the quality subcomponents and worse grades (lower scores) for lower scores for the subcomponents.

Oscar Health, Inc. has a Quality Score of 68, which is Strong. The Progressive Corporation has a Quality Score of 46, which is Average.

The Quality Grade Winner: Oscar Health, Inc.

As you can clearly see from the Quality Grade breakdown above, Oscar Health, Inc. has a better overall quality grade than The Progressive Corporation. For investors who are looking for companies with higher quality than others in the same industry, Oscar Health, Inc. could be a good stock to add to their portfolios. 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 The Progressive Corporation’s Estimate Revisions Grades

Company	Ticker	Earnings Estimate
Oscar Health, Inc.	OSCR	B
The Progressive Corporation	PGR	C

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 77, which is Positive. The Progressive Corporation has a Earnings Estimate Score of 58, which is Neutral.

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 The Progressive Corporation. 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 The Progressive Corporation Grades

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

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.

Growth investing builds on the idea that stocks of companies exhibiting strong, consistent and prolonged growth outperform those of slower-growth companies. AAII measures growth through consistency of annual sales growth, five-year sales growth rankings adjusted for extreme levels, and consistency of positive annual cash from operations.

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 The Progressive Corporation 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 The Progressive Corporation Stock?

Overall, Oscar Health, Inc. stock has a Value Score of 62, Estimate Revisions Score of 77 and Quality Score of 68.

The Progressive Corporation stock has a Value Score of 67, Estimate Revisions Score of 58 and Quality Score of 46.

Comparing Oscar Health, Inc. and The Progressive Corporation’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.