CI Stock Analysis: Cigna | NYSE
Healthcare Plans | NYSE, USA | Market Cap: 74.619m USD | 12M Return: -13.8% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 447M
EPS Trend: 95.7%
Qual. Beats: 0
Rev. Trend: 98.5%
Qual. Beats: 13
Warnings
No concerns identified
Tailwinds
No distinct edge detected
Seasonality 10.5 years of data
Average return per month, with how dependable it is below — did the month move the same way every year (high) or randomly (low). Above 60 is a pattern worth trusting; under 40 is noise.
The Cigna Group (NYSE: CI) is a major U.S. health services company headquartered in Bloomfield, Connecticut, operating two core segments: Evernorth Health Services, which covers pharmacy benefit management, specialty pharmacy distribution, and care services, and Cigna Healthcare, which delivers employer-sponsored medical plans, individual and family coverage, behavioral health, dental, and international health benefits. Its products are distributed through brokers, consultants, direct sales, and public and private exchanges. Originally founded in 1792 (one of the oldest U.S. corporations still operating) and formerly known as Cigna Corporation, the company adopted its current name in February 2023. As a large-cap constituent of the GICS Health Care sector, Cigna competes in the consolidated managed-care and pharmacy benefit management (PBM) industry, where insurers increasingly integrate drug-benefits administration with medical coverage to manage total health spending.
- Evernorth PBM margins pressured by drug pricing reform
- Medicare Advantage divestiture refocuses capital allocation strategy
- Specialty pharmacy demand grows alongside GLP-1 cost pressure
| Net Income: 6.29b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.05 > 0.02 and ΔFCF/TA 1.01 > 1.0 |
| NWC/Revenue: -3.44% < 20% (prev -4.77%; Δ 1.33% < -1%) |
| CFO/TA 0.06 > 3% & CFO 8.81b > Net Income 6.29b |
| Net Debt (23.1b) to EBITDA (12.2b): 1.90 < 3 |
| Current Ratio: 0.82 > 1.5 & < 3 |
| Outstanding Shares: last quarter (264.2m) vs 12m ago -6.71% < -2% |
| Gross Margin: 9.30% > 18% (prev 10.25%; Δ -0.95% > 0.5%) |
| Asset Turnover: 182.9% > 50% (prev 169.5%; Δ 13.40% > 0%) |
| Interest Coverage Ratio: 6.97 > 6 (EBIT TTM 9.59b / Interest Expense TTM 1.38b) |
| A: -0.06 (Total Current Assets 43.0b - Total Current Liabilities 52.6b) / Total Assets 153b |
| B: 0.32 (Retained Earnings 49.1b / Total Assets 153b) |
| C: 0.06 (EBIT TTM 9.59b / Avg Total Assets 152b) |
| D: 0.38 (Book Value of Equity 42.2b / Total Liabilities 111b) |
| Altman-Z'' = 1.46 = BB |
| DSRI: 0.93 (Receivables 26.6b/26.2b, Revenue 278b/255b) |
| GMI: 1.10 (GM 10.25% / 9.30%) |
| AQI: 1.01 (AQ_t 0.70 / AQ_t-1 0.69) |
| SGI: 1.09 (Revenue 278b / 255b) |
| TATA: -0.02 (NI 6.29b - CFO 8.81b) / TA 153b) |
| Beneish M = -2.92 (Cap -4..+1) = A |
As of July 01, 2026, the stock is trading at USD 278.74 with a total of 1,009,659 shares traded. Over the past week, the price has changed by -1.18%, over one month by +1.07%, over three months by +8.63% and over the past year by -13.81%.
Current recommended Stop Loss: 270.20 (which is 3.1% or 1.2 ATR below the current price).
Cigna has received a consensus analysts rating of 4.28. Therefore, it is recommended to buy CI.
- StrongBuy: 13
- Buy: 6
- Hold: 6
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 340.5 | 22.2% |
P/E Trailing = 11.9627
P/E Forward = 9.2851
P/S = 0.2685
P/B = 1.7678
P/EG = 0.8444
Revenue TTM = 278b USD
EBIT TTM = 9.59b USD
EBITDA TTM = 12.2b USD
Long Term Debt = 29.4b USD (from longTermDebt, last quarter)
Short Term Debt = 1.53b USD (from shortTermDebt, last quarter)
Debt = 31.0b USD (from shortLongTermDebtTotal, last quarter) + Leases 87.0m
Net Debt = 23.1b USD (calculated: Debt 31.0b - CCE 7.85b)
Enterprise Value = 97.8b USD (74.6b + Debt 31.0b - CCE 7.85b)
Interest Coverage Ratio = 6.97 (Ebit TTM 9.59b / Interest Expense TTM 1.38b)
EV/FCF = 12.76x (Enterprise Value 97.8b / FCF TTM 7.66b)
FCF Yield = 7.84% (FCF TTM 7.66b / Enterprise Value 97.8b)
FCF Margin = 2.76% (FCF TTM 7.66b / Revenue TTM 278b)
Net Margin = 2.26% (Net Income TTM 6.29b / Revenue TTM 278b)
Gross Margin = 9.30% ((Revenue TTM 278b - Cost of Revenue TTM 252b) / Revenue TTM)
Gross Margin QoQ = 9.45% (prev 7.66%)
Tobins Q-Ratio = 0.64 (Enterprise Value 97.8b / Total Assets 153b)
Interest Expense / Debt = 4.44% (Interest Expense 1.38b / Debt 31.0b)
Taxrate = 18.44% (1.51b / 8.21b)
NOPAT = 7.82b (EBIT 9.59b * (1 - 18.44%))
Current Ratio = 0.82 (Total Current Assets 43.0b / Total Current Liabilities 52.6b)
Debt / Equity = 0.73 (Debt 31.0b / totalStockholderEquity, last quarter 42.2b)
Debt / EBITDA = 1.90 (Net Debt 23.1b / EBITDA 12.2b)
Debt / FCF = 3.02 (Net Debt 23.1b / FCF TTM 7.66b)
Total Stockholder Equity = 41.5b (last 4 quarters mean from totalStockholderEquity)
RoA = 4.14% (Net Income 6.29b / Total Assets 153b)
RoE = 15.16% (Net Income TTM 6.29b / Total Stockholder Equity 41.5b)
RoCE = 13.54% (EBIT 9.59b / Capital Employed (Equity 41.5b + L.T.Debt 29.4b))
RoIC = 8.29% (NOPAT 7.82b / Invested Capital 94.3b)
WACC = 5.42% (E(74.6b)/V(106b) * Re(6.17%) + D(31.0b)/V(106b) * Rd(4.44%) * (1-Tc(0.18)))
Discount Rate = 6.17% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -89.89 | Cagr: -4.72%
[DCF] Terminal Value 77.97% ; FCFF base≈7.00b ; Y1≈8.02b ; Y5≈11.8b
[DCF] Fair Price = 584.4 (EV 178b - Net Debt 23.1b = Equity 155b / Shares 264.5m; r=8.35% [WACC [floored]]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 95.70 | EPS CAGR: 10.32% | SUE: 0.35 | # QB: 0
Revenue Correlation: 98.47 | Revenue CAGR: 17.78% | SUE: 1.48 | # QB: 13
EPS next Quarter (2026-09-30): EPS=7.62 | Chg30d=+0.01% | Revisions=-50% | Analysts=22
EPS current Year (2026-12-31): EPS=30.40 | Chg30d=+0.00% | Revisions=+50% | GrowthEPS=+1.9% | GrowthRev=+3.5%
EPS next Year (2027-12-31): EPS=33.45 | Chg30d=-0.28% | Revisions=+14% | GrowthEPS=+10.0% | GrowthRev=+4.4%
[Analyst] Revisions Ratio: -50%