Overview Dividends

(CI) Cigna - Ratings and Ratios

Exchange: NYSE • Country: United States • Currency: USD • Type: Common Stock • ISIN: US1255231003

Insurance, Pharmacy, Medicare, Dental, International

Health Care Services
Market Cap in USD: 70,177m

IPO / Inception: 1982-03-31
Return 12m vs S&P 500: -6.43%

EPS (Earnings per Share)

EPS CAGR: 14.13%
EPS Trend: 79.1%

Last SUE: 0.27
Qual. Beats: 0

Revenue

Rev. CAGR: 11.89%
Rev. Trend: 96.0%

Last SUE: 1.78
Qual. Beats: 11

Dividends

Dividend Yield	2.21%
Yield on Cost 5y	3.34%
Yield CAGR 5y	243.98%
Payout Consistency	85.1%
Payout Ratio	21.3%

Risk via 5d forecast
Volatility	36.9%
Value at Risk 5%th	43.7%
Relative Tail Risk	-28.14%

Reward TTM
Sharpe Ratio	0.12
Alpha	-6.11
CAGR/Max DD	-0.14

Character TTM
Hurst Exponent	0.057
Beta	0.128
Beta Downside	-0.024

Drawdowns 3y
Max DD	32.10%
Mean DD	12.65%
Median DD	12.63%

Description: CI Cigna December 02, 2025

The Cigna Group (CI) operates two primary segments: Evernorth Health Services, which delivers pharmacy-benefit management, specialty pharmacy, home-delivery, and broader care-coordination solutions to insurers, employers and government entities; and Cigna Healthcare, which sells medical, pharmacy, behavioral-health, dental and Medicare (Advantage, Supplement, Part D) products to both insured and self-insured customers, plus international and expatriate coverage.

In FY 2023 the company reported total revenue of roughly **$180 billion**, with an adjusted operating margin of **5.5 %**, reflecting steady growth in its PBM business (approximately **6 % YoY** enrollment increase) and modest expansion in Medicare Advantage enrollment (+3 % YoY). Net income rose to **$2.6 billion**, driven by cost-containment initiatives in specialty pharmacy and higher-margin commercial lines.

Key drivers for Cigna’s outlook include: (1) the **aging U.S. population**, which sustains demand for Medicare products; (2) **inflationary pressure on medical and drug costs**, prompting insurers to seek value-based contracts and cost-sharing mechanisms; and (3) **regulatory trends** such as the 2024 CMS rule tightening pharmacy-benefit transparency, which could create both compliance costs and opportunities for PBM differentiation.

For a deeper quantitative view, see the ValueRay analysis of CI.

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 (12.38b) ratio: 2.26 <= 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 6.88 (EBITDA TTM 12.38b / Interest Expense TTM 1.41b) >= 6 (WARN >= 3)

Altman Z'' 1.38

(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

(D) 0.38 = Book Value of Equity 44.23b / Total Liabilities 115.91b

Total Rating: 1.38 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D)

ValueRay F-Score (Strict, 0-100) 78.56

1. Piotroski 6.50pt

2. FCF Yield 7.57%

3. FCF Margin 2.77%

4. Debt/Equity 0.81

5. Debt/Ebitda 2.26

6. ROIC - WACC (= 6.80)%

7. RoE 15.06%

8. Rev. Trend 96.03%

9. EPS Trend 79.08%

What is the price of CI shares?

As of December 19, 2025, the stock is trading at USD 273.84 with a total of 1,681,147 shares traded.
Over the past week, the price has changed by +4.28%, over one month by +1.49%, over three months by -7.15% and over the past year by +5.23%.

Is CI a buy, sell or hold?

Cigna has received a consensus analysts rating of 4.28. Therefore, it is recommended to buy CI.

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	328.7	20%
Analysts Target Price	328.7	20%
ValueRay Target Price	270.5	-1.2%

CI Fundamental Data Overview December 11, 2025

Market Cap USD = 70.18b (70.18b USD * 1.0 USD.USD)
P/E Trailing = 11.6295
P/E Forward = 8.6505
P/S = 0.2618
P/B = 1.684
P/EG = 0.5308
Beta = 0.263
Revenue TTM = 268.13b USD
EBIT TTM = 9.68b USD
EBITDA TTM = 12.38b USD
Long Term Debt = 30.95b USD (from longTermDebt, last quarter)
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 = 98.19b USD (70.18b + Debt 34.04b - CCE 6.03b)
Interest Coverage Ratio = 6.88 (Ebit TTM 9.68b / Interest Expense TTM 1.41b)
FCF Yield = 7.57% (FCF TTM 7.44b / Enterprise Value 98.19b)
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 = 0.62 (Enterprise Value 98.19b / Total Assets 157.92b)
Interest Expense / Debt = 1.02% (Interest Expense 347.0m / Debt 34.04b)
Taxrate = 14.03% (322.0m / 2.29b)
NOPAT = 8.32b (EBIT 9.68b * (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 = 2.26 (Net Debt 28.02b / EBITDA 12.38b)
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 = 13.49% (EBIT 9.68b / Capital Employed (Equity 40.82b + L.T.Debt 30.95b))
RoIC = 11.46% (NOPAT 8.32b / Invested Capital 72.63b)
WACC = 4.66% (E(70.18b)/V(104.22b) * Re(6.49%) + D(34.04b)/V(104.22b) * Rd(1.02%) * (1-Tc(0.14)))
Discount Rate = 6.49% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 8.05%
Shares Correlation 3-Years: -100.0 | Cagr: -4.59%
[DCF Debug] Terminal Value 79.10% ; FCFE base≈6.54b ; Y1≈6.92b ; Y5≈8.23b
Fair Price DCF = 539.5 (DCF Value 144.12b / Shares Outstanding 267.1m; 5y FCF grow 6.47% → 3.0% )
EPS Correlation: 79.08 | EPS CAGR: 14.13% | SUE: 0.27 | # QB: 0
Revenue Correlation: 96.03 | Revenue CAGR: 11.89% | SUE: 1.78 | # QB: 11
EPS next Quarter (2026-03-31): EPS=7.30 | Chg30d=-0.024 | Revisions Net=-13 | Analysts=20
EPS next Year (2026-12-31): EPS=30.75 | Chg30d=-0.143 | Revisions Net=-21 | Growth EPS=+3.8% | Growth Revenue=+4.8%

Additional Sources for CI Stock

News: Wall Street Journal | Benzinga | Yahoo Finance
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle