(CI) Cigna - Ratings and Ratios
Medical, Pharmacy, Dental, Behavioral, Supplemental
CI EPS (Earnings per Share)
CI Revenue
Description: CI Cigna
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 | 80,273m |
| Sub-Industry | Health Care Services |
| IPO / Inception | 1982-03-31 |
CI Stock Ratings
| Growth Rating | 18.9% |
| Fundamental | 73.0% |
| Dividend Rating | 69.5% |
| Return 12m vs S&P 500 | -16.1% |
| Analyst Rating | 4.28 of 5 |
CI Dividends
| Dividend Yield 12m | 1.93% |
| Yield on Cost 5y | 3.59% |
| Annual Growth 5y | 243.98% |
| Payout Consistency | 88.7% |
| Payout Ratio | 21.1% |
CI Growth Ratios
| Growth Correlation 3m | 38.4% |
| Growth Correlation 12m | -16% |
| Growth Correlation 5y | 83.4% |
| CAGR 5y | 1.77% |
| CAGR/Max DD 3y (Calmar Ratio) | 0.06 |
| CAGR/Mean DD 3y (Pain Ratio) | 0.15 |
| Sharpe Ratio 12m | 0.59 |
| Alpha | -22.76 |
| Beta | 0.462 |
| Volatility | 34.38% |
| Current Volume | 1608.9k |
| Average Volume 20d | 1348.5k |
| Stop Loss | 296.8 (-3.3%) |
| Signal | 0.89 |
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) 73.02
| 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 2.14 = -0.28 |
| 6. ROIC - WACC (= 4.97)% = 6.22 |
| 7. RoE 12.27% = 1.02 |
| 8. Rev. Trend 97.61% = 7.32 |
| 9. EPS Trend 76.08% = 3.80 |
What is the price of CI shares?
Over the past week, the price has changed by +3.87%, over one month by +6.31%, over three months by +4.61% and over the past year by -2.35%.
Is Cigna a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of CI is around 303.79 USD . This means that CI is currently overvalued and has a potential downside of -0.99%.
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 | 367.2 | 19.7% |
| Analysts Target Price | 367.2 | 19.7% |
| ValueRay Target Price | 330.6 | 7.7% |
Last update: 2025-10-12 02:01
CI Fundamental Data Overview
P/E Trailing = 16.4784
P/E Forward = 9.1408
P/S = 0.3064
P/B = 1.9713
P/EG = 0.5299
Beta = 0.462
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 (from shortLongTermDebtTotal, last quarter)
Net Debt = 26.44b USD (from netDebt column, last quarter)
Enterprise Value = 106.71b USD (80.27b + 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 106.71b)
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)
Gross Margin QoQ = 11.73% (prev 10.09%)
Tobins Q-Ratio = 0.70 (Enterprise Value 106.71b / Total Assets 151.65b)
Interest Expense / Debt = 1.10% (Interest Expense 337.0m / Debt 30.77b)
Taxrate = 19.25% (389.0m / 2.02b)
NOPAT = 7.82b (EBIT 9.68b * (1 - 19.25%))
Current Ratio = 0.79 (Total Current Assets 44.72b / Total Current Liabilities 56.78b)
Debt / Equity = 0.77 (Debt 30.77b / totalStockholderEquity, last quarter 40.21b)
Debt / EBITDA = 2.14 (Net Debt 26.44b / EBITDA 12.33b)
Debt / FCF = 6.70 (Net Debt 26.44b / FCF TTM 3.94b)
Total Stockholder Equity = 40.89b (last 4 quarters mean from totalStockholderEquity)
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 / Capital Employed (Equity 40.89b + L.T.Debt 26.48b))
RoIC = 10.80% (NOPAT 7.82b / Invested Capital 72.39b)
WACC = 5.83% (E(80.27b)/V(111.04b) * Re(7.72%) + D(30.77b)/V(111.04b) * Rd(1.10%) * (1-Tc(0.19)))
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≈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% )
EPS Correlation: 76.08 | EPS CAGR: 6.60% | SUE: 0.10 | # QB: 0
Revenue Correlation: 97.61 | Revenue CAGR: 15.46% | SUE: 2.86 | # QB: 10
Additional Sources for CI Stock
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Fund Manager Positions: Dataroma | Stockcircle