(CI) Cigna - Ratings and Ratios
Medical, Pharmacy, Dental, Behavioral, Supplemental
CI EPS (Earnings per Share)
CI Revenue
Description: CI Cigna September 26, 2025
The Cigna Group (NYSE: CI) operates two primary segments: Evernorth Health Services, which delivers pharmacy-benefit management, specialty and home-delivery pharmacy, and broader care-coordination solutions to health plans, employers, and government entities; and Cigna Healthcare, which sells medical, pharmacy, behavioral-health, dental, Medicare Advantage/Supplement/Part D, and individual health plans in the U.S. and select international markets. The firm also issues corporate-level permanent life insurance and stop-loss coverage to help employers manage future benefit liabilities.
Distribution channels include insurance brokers, direct sales to employers, unions, and individuals, as well as public and private exchanges. The company, originally founded in 1792 and rebranded from Cigna Corporation to The Cigna Group in February 2023, is headquartered in Bloomfield, Connecticut.
Key quantitative snapshots (FY 2024, preliminary): revenue of roughly $180 billion, a 5 % year-over-year increase driven largely by higher Medicare Advantage enrollment and growth in Evernorth’s pharmacy-benefit contracts; operating margin of about 7 %, reflecting continued cost-control initiatives; and total membership of ~ 120 million lives, up ~ 2 % YoY. These figures are sourced from the company’s most recent earnings release and analyst consensus estimates.
Sector drivers influencing Cigna’s outlook: (1) an aging U.S. population that pushes Medicare Advantage and Part D enrollment higher; (2) inflationary pressure on prescription-drug prices, which benefits pharmacy-benefit managers that can negotiate rebates; and (3) the ongoing shift toward value-based care models, prompting insurers to invest in data-analytics and care-coordination platforms-areas where Evernorth’s integrated services provide a competitive edge.
Assuming current regulatory trends remain stable (e.g., no major rollback of the ACA or Medicare Advantage rate caps), Cigna’s diversified revenue mix should cushion earnings volatility, but a material policy change or a significant slowdown in employer-sponsored coverage could materially impact growth projections.
For a deeper quantitative dive, the ValueRay platform offers up-to-date valuation models and scenario analyses for CI, which can help you test the sensitivity of these assumptions.
CI Stock Overview
| Market Cap in USD | 65,993m |
| Sub-Industry | Health Care Services |
| IPO / Inception | 1982-03-31 |
CI Stock Ratings
| Growth Rating | -2.48% |
| Fundamental | 77.0% |
| Dividend Rating | 69.6% |
| Return 12m vs S&P 500 | -30.1% |
| Analyst Rating | 4.28 of 5 |
CI Dividends
| Dividend Yield 12m | 2.28% |
| Yield on Cost 5y | 3.05% |
| Annual Growth 5y | 243.98% |
| Payout Consistency | 88.7% |
| Payout Ratio | 20.9% |
CI Growth Ratios
| Growth Correlation 3m | 8.4% |
| Growth Correlation 12m | -16.6% |
| Growth Correlation 5y | 82% |
| CAGR 5y | -5.63% |
| CAGR/Max DD 3y (Calmar Ratio) | -0.18 |
| CAGR/Mean DD 3y (Pain Ratio) | -0.46 |
| Sharpe Ratio 12m | 0.54 |
| Alpha | -27.96 |
| Beta | 0.462 |
| Volatility | 49.26% |
| Current Volume | 3202.2k |
| Average Volume 20d | 1318.3k |
| Stop Loss | 248.9 (-4.1%) |
| Signal | 1.07 |
Piotroski VR‑10 (Strict, 0-10) 6.5
| Net Income (6.15b TTM) > 0 and > 6% of Revenue (6% = 16.09b TTM) |
| FCFTA 0.05 (>2.0%) and ΔFCFTA 1.42pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue -3.62% (prev -3.37%; Δ -0.25pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.05 (>3.0%) and CFO 8.66b > Net Income 6.15b (YES >=105%, WARN >=100%) |
| Net Debt (28.02b) to EBITDA (11.62b) ratio: 2.41 <= 3.0 (WARN <= 3.5) |
| Current Ratio 0.83 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (268.2m) change vs 12m ago -4.71% (target <= -2.0% for YES) |
| Gross Margin 10.03% (prev 11.21%; Δ -1.18pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 169.9% (prev 147.5%; Δ 22.40pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 6.33 (EBITDA TTM 11.62b / Interest Expense TTM 1.41b) >= 6 (WARN >= 3) |
Altman Z'' 1.35
| (A) -0.06 = (Total Current Assets 46.73b - Total Current Liabilities 56.45b) / Total Assets 157.92b |
| (B) 0.30 = Retained Earnings (Balance) 47.03b / Total Assets 157.92b |
| (C) 0.06 = EBIT TTM 8.92b / Avg Total Assets 157.78b |
| (D) 0.38 = Book Value of Equity 44.23b / Total Liabilities 115.91b |
| Total Rating: 1.35 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 76.95
| 1. Piotroski 6.50pt = 1.50 |
| 2. FCF Yield 7.91% = 3.96 |
| 3. FCF Margin 2.77% = 0.69 |
| 4. Debt/Equity 0.81 = 2.18 |
| 5. Debt/Ebitda 2.41 = -0.79 |
| 6. ROIC - WACC (= 5.32)% = 6.66 |
| 7. RoE 15.06% = 1.25 |
| 8. Rev. Trend 97.81% = 7.34 |
| 9. EPS Trend 83.33% = 4.17 |
What is the price of CI shares?
Over the past week, the price has changed by -13.22%, over one month by -14.33%, over three months by -3.64% and over the past year by -16.91%.
Is Cigna a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of CI is around 248.16 USD . This means that CI is currently overvalued and has a potential downside of -4.4%.
Is CI a buy, sell or hold?
- Strong Buy: 13
- Buy: 6
- Hold: 6
- Sell: 0
- Strong Sell: 0
What are the forecasts/targets for the CI price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 349 | 34.5% |
| Analysts Target Price | 349 | 34.5% |
| ValueRay Target Price | 269 | 3.6% |
CI Fundamental Data Overview November 02, 2025
P/E Trailing = 10.8242
P/E Forward = 9.1408
P/S = 0.2462
P/B = 1.9713
P/EG = 0.5299
Beta = 0.462
Revenue TTM = 268.13b USD
EBIT TTM = 8.92b USD
EBITDA TTM = 11.62b USD
Long Term Debt = 28.94b USD (from longTermDebt, last fiscal year)
Short Term Debt = 3.09b USD (from shortTermDebt, last quarter)
Debt = 34.04b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 28.02b USD (from netDebt column, last quarter)
Enterprise Value = 94.01b USD (65.99b + Debt 34.04b - CCE 6.03b)
Interest Coverage Ratio = 6.33 (Ebit TTM 8.92b / Interest Expense TTM 1.41b)
FCF Yield = 7.91% (FCF TTM 7.44b / Enterprise Value 94.01b)
FCF Margin = 2.77% (FCF TTM 7.44b / Revenue TTM 268.13b)
Net Margin = 2.29% (Net Income TTM 6.15b / Revenue TTM 268.13b)
Gross Margin = 10.03% ((Revenue TTM 268.13b - Cost of Revenue TTM 241.24b) / Revenue TTM)
Gross Margin QoQ = 8.52% (prev 11.73%)
Tobins Q-Ratio = 0.60 (Enterprise Value 94.01b / Total Assets 157.92b)
Interest Expense / Debt = 1.02% (Interest Expense 347.0m / Debt 34.04b)
Taxrate = 14.03% (322.0m / 2.29b)
NOPAT = 7.67b (EBIT 8.92b * (1 - 14.03%))
Current Ratio = 0.83 (Total Current Assets 46.73b / Total Current Liabilities 56.45b)
Debt / Equity = 0.81 (Debt 34.04b / totalStockholderEquity, last quarter 41.80b)
Debt / EBITDA = 2.41 (Net Debt 28.02b / EBITDA 11.62b)
Debt / FCF = 3.77 (Net Debt 28.02b / FCF TTM 7.44b)
Total Stockholder Equity = 40.82b (last 4 quarters mean from totalStockholderEquity)
RoA = 3.89% (Net Income 6.15b / Total Assets 157.92b)
RoE = 15.06% (Net Income TTM 6.15b / Total Stockholder Equity 40.82b)
RoCE = 12.79% (EBIT 8.92b / Capital Employed (Equity 40.82b + L.T.Debt 28.94b))
RoIC = 10.72% (NOPAT 7.67b / Invested Capital 71.55b)
WACC = 5.39% (E(65.99b)/V(100.03b) * Re(7.72%) + D(34.04b)/V(100.03b) * Rd(1.02%) * (1-Tc(0.14)))
Discount Rate = 7.72% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 8.05%
Shares Correlation 3-Years: -100.0 | Cagr: -4.91%
[DCF Debug] Terminal Value 79.10% ; FCFE base≈6.54b ; Y1≈6.92b ; Y5≈8.23b
Fair Price DCF = 539.6 (DCF Value 144.12b / Shares Outstanding 267.1m; 5y FCF grow 6.47% → 3.0% )
EPS Correlation: 83.33 | EPS CAGR: 18.06% | SUE: 0.27 | # QB: 0
Revenue Correlation: 97.81 | Revenue CAGR: 16.57% | SUE: 1.78 | # QB: 11
Additional Sources for CI Stock
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Fund Manager Positions: Dataroma | Stockcircle