(CI) Cigna - Ratings and Ratios
Insurance, Health Services, Pharmacy Benefits, Medical Plans, Dental Care
CI EPS (Earnings per Share)
CI Revenue
Description: CI Cigna
The Cigna Group is a leading provider of insurance and related products and services in the United States, operating through two main segments: Evernorth Health Services and Cigna Healthcare. Evernorth offers a range of health services, including pharmacy benefits and care management solutions, while Cigna Healthcare provides medical, pharmacy, and behavioral health products and services to insured and self-insured customers.
From a business perspective, Cigna has a diversified revenue stream, with a mix of individual and group insurance plans, as well as Medicare and Medicaid products. The companys ability to manage costs and drive growth through its Evernorth segment is a key performance indicator (KPI). Other important KPIs for Cigna include its medical loss ratio (MLR), which measures the percentage of premium revenue spent on medical claims, and its administrative expense ratio, which tracks the companys operating efficiency.
Cignas competitive position in the health insurance market is also worth noting. The company operates in a highly competitive industry, with major players like UnitedHealth Group and Anthem. To differentiate itself, Cigna has focused on developing its value-based care capabilities and investing in digital health technologies. Key metrics to watch include the companys customer retention rates, which indicate its ability to maintain a loyal customer base, and its revenue growth rate, which reflects its ability to expand its business over time.
From a financial perspective, Cignas return on equity (RoE) of 12.23% is a relevant metric, indicating the companys ability to generate profits from shareholder equity. Other important financial metrics include the companys debt-to-equity ratio, which measures its leverage, and its interest coverage ratio, which assesses its ability to meet interest payments on its debt. By analyzing these metrics, investors can gain a more comprehensive understanding of Cignas financial health and growth prospects.
CI Stock Overview
| Market Cap in USD | 80,164m |
| Sub-Industry | Health Care Services |
| IPO / Inception | 1982-03-31 |
CI Stock Ratings
| Growth Rating | 24.6% |
| Fundamental | 65.2% |
| Dividend Rating | 69.6% |
| Return 12m vs S&P 500 | -27.5% |
| Analyst Rating | 4.28 of 5 |
CI Dividends
| Dividend Yield 12m | 2.39% |
| Yield on Cost 5y | 4.47% |
| Annual Growth 5y | 168.67% |
| Payout Consistency | 87.2% |
| Payout Ratio | 21.1% |
CI Growth Ratios
| Growth Correlation 3m | -70.7% |
| Growth Correlation 12m | -38.8% |
| Growth Correlation 5y | 86% |
| CAGR 5y | 12.96% |
| CAGR/Max DD 5y | 0.46 |
| Sharpe Ratio 12m | 0.41 |
| Alpha | -21.47 |
| Beta | 0.222 |
| Volatility | 25.13% |
| Current Volume | 1588.9k |
| Average Volume 20d | 1609.7k |
| Stop Loss | 291.8 (-3%) |
| Signal | 0.06 |
Piotroski VR‑10 (Strict, 0-10) 5.5
| Net Income (5.02b TTM) > 0 and > 6% of Revenue (6% = 15.72b TTM) |
| FCFTA 0.03 (>2.0%) and ΔFCFTA -2.52pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue -4.60% (prev -4.20%; Δ -0.40pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.03 (>3.0%) and CFO 5.29b > Net Income 5.02b (YES >=105%, WARN >=100%) |
| Net Debt (26.44b) to EBITDA (12.33b) ratio: 2.14 <= 3.0 (WARN <= 3.5) |
| Current Ratio 0.79 (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 -5.60% (target <= -2.0% for YES) |
| Gross Margin 10.51% (prev 11.91%; Δ -1.39pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 170.7% (prev 140.2%; Δ 30.48pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 6.74 (EBITDA TTM 12.33b / Interest Expense TTM 1.44b) >= 6 (WARN >= 3) |
Altman Z'' 1.29
| (A) -0.08 = (Total Current Assets 44.72b - Total Current Liabilities 56.78b) / Total Assets 151.65b |
| (B) 0.30 = Retained Earnings (Balance) 45.56b / Total Assets 151.65b |
| (C) 0.06 = EBIT TTM 9.68b / Avg Total Assets 153.55b |
| (D) 0.38 = Book Value of Equity 42.75b / Total Liabilities 111.22b |
| Total Rating: 1.29 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 65.24
| 1. Piotroski 5.50pt = 0.50 |
| 2. FCF Yield 3.70% = 1.85 |
| 3. FCF Margin 1.50% = 0.38 |
| 4. Debt/Equity 0.77 = 2.22 |
| 5. Debt/Ebitda 2.49 = -0.95 |
| 6. ROIC - WACC 4.44% = 5.55 |
| 7. RoE 12.27% = 1.02 |
| 8. Rev. Trend 97.61% = 4.88 |
| 9. Rev. CAGR 15.46% = 1.93 |
| 10. EPS Trend -9.84% = -0.25 |
| 11. EPS CAGR -15.11% = -1.89 |
What is the price of CI shares?
Over the past week, the price has changed by -1.14%, over one month by +2.98%, over three months by -3.12% and over the past year by -15.18%.
Is Cigna a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of CI is around 308.72 USD . This means that CI is currently overvalued and has a potential downside of 2.61%.
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 | 367.9 | 22.3% |
| Analysts Target Price | 367.9 | 22.3% |
| ValueRay Target Price | 333.9 | 11% |
Last update: 2025-08-28 04:35
CI Fundamental Data Overview
CCE Cash And Equivalents = 4.33b USD (last quarter)
P/E Trailing = 16.4739
P/E Forward = 10.1729
P/S = 0.3059
P/B = 1.9934
P/EG = 0.59
Beta = 0.476
Revenue TTM = 262.07b USD
EBIT TTM = 9.68b USD
EBITDA TTM = 12.33b USD
Long Term Debt = 26.48b USD (from longTermDebt, last quarter)
Short Term Debt = 4.29b USD (from shortTermDebt, last quarter)
Debt = 30.77b USD (Calculated: Short Term 4.29b + Long Term 26.48b)
Net Debt = 26.44b USD (from netDebt column, last quarter)
Enterprise Value = 106.60b USD (80.16b + Debt 30.77b - CCE 4.33b)
Interest Coverage Ratio = 6.74 (Ebit TTM 9.68b / Interest Expense TTM 1.44b)
FCF Yield = 3.70% (FCF TTM 3.94b / Enterprise Value 106.60b)
FCF Margin = 1.50% (FCF TTM 3.94b / Revenue TTM 262.07b)
Net Margin = 1.91% (Net Income TTM 5.02b / Revenue TTM 262.07b)
Gross Margin = 10.51% ((Revenue TTM 262.07b - Cost of Revenue TTM 234.52b) / Revenue TTM)
Tobins Q-Ratio = 2.49 (Enterprise Value 106.60b / Book Value Of Equity 42.75b)
Interest Expense / Debt = 1.10% (Interest Expense 337.0m / Debt 30.77b)
Taxrate = 28.30% (from yearly Income Tax Expense: 1.49b / 5.27b)
NOPAT = 6.94b (EBIT 9.68b * (1 - 28.30%))
Current Ratio = 0.79 (Total Current Assets 44.72b / Total Current Liabilities 56.78b)
Debt / Equity = 0.77 (Debt 30.77b / last Quarter total Stockholder Equity 40.21b)
Debt / EBITDA = 2.49 (Net Debt 26.44b / EBITDA 12.33b)
Debt / FCF = 7.80 (Debt 30.77b / FCF TTM 3.94b)
Total Stockholder Equity = 40.89b (last 4 quarters mean)
RoA = 3.31% (Net Income 5.02b, Total Assets 151.65b )
RoE = 12.27% (Net Income TTM 5.02b / Total Stockholder Equity 40.89b)
RoCE = 14.37% (Ebit 9.68b / (Equity 40.89b + L.T.Debt 26.48b))
RoIC = 9.59% (NOPAT 6.94b / Invested Capital 72.39b)
WACC = 5.15% (E(80.16b)/V(110.93b) * Re(6.83%)) + (D(30.77b)/V(110.93b) * Rd(1.10%) * (1-Tc(0.28)))
Shares Correlation 5-Years: -100.0 | Cagr: -5.03%
Discount Rate = 6.83% (= CAPM, Blume Beta Adj.) -> floored to rf + ERP 8.05%
[DCF Debug] Terminal Value 79.10% ; FCFE base≈5.55b ; Y1≈5.88b ; Y5≈6.99b
Fair Price DCF = 458.5 (DCF Value 122.39b / Shares Outstanding 266.9m; 5y FCF grow 6.47% → 3.0% )
Revenue Correlation: 97.61 | Revenue CAGR: 15.46%
Rev Growth-of-Growth: 2.20
EPS Correlation: -9.84 | EPS CAGR: -15.11%
EPS Growth-of-Growth: 102.7
Additional Sources for CI Stock
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