(CI) Cigna - Ratings and Ratios
Insurance, Pharmacy, PBM, Medicare, Dental
EPS (Earnings per Share)
Revenue
Dividends
| Dividend Yield | 2.03% |
| Yield on Cost 5y | 3.04% |
| Yield CAGR 5y | 10.85% |
| Payout Consistency | 88.9% |
| Payout Ratio | - |
| Risk via 5d forecast | |
|---|---|
| Volatility | 44.5% |
| Value at Risk 5%th | 55.3% |
| Relative Tail Risk | -24.49% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | -0.26 |
| Alpha | -12.20 |
| CAGR/Max DD | -0.11 |
| Character TTM | |
|---|---|
| Hurst Exponent | 0.415 |
| Beta | 0.169 |
| Beta Downside | 0.146 |
| Drawdowns 3y | |
|---|---|
| Max DD | 32.10% |
| Mean DD | 11.80% |
| Median DD | 10.82% |
Description: CI Cigna January 27, 2026
The Cigna Group (NYSE: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 provides 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 offers corporate life-insurance contracts and stop-loss coverage, distributing products through brokers, direct employer channels, and public exchanges. The company, founded in 1792 and rebranded in February 2023, is headquartered in Bloomfield, Connecticut.
Key recent metrics (Q4 2023/2024 FY): revenue of $19.2 billion, a 5.2 % YoY increase driven by higher enrollment in Medicare Advantage (+8 % member growth) and expanding pharmacy-benefit contracts; operating margin of 8.6 % after a 120 bps improvement in medical loss ratio to 84.5 %; and cash flow from operations of $2.1 billion, supporting a $1.5 billion share-repurchase program. Sector-wide, the aging U.S. population and rising Medicare enrollment are expected to lift health-plan premiums by 3-4 % annually, while inflationary pressure on prescription-drug costs remains a primary cost driver for insurers.
For a deeper quantitative view, consider reviewing ValueRay’s detailed financial models and scenario analyses.
Piotroski VR‑10 (Strict, 0-10) 6.5
| Net Income: 6.15b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.05 > 0.02 and ΔFCF/TA 1.42 > 1.0 |
| NWC/Revenue: -3.62% < 20% (prev -3.37%; Δ -0.25% < -1%) |
| CFO/TA 0.05 > 3% & CFO 8.66b > Net Income 6.15b |
| Net Debt (28.02b) to EBITDA (12.38b): 2.26 < 3 |
| Current Ratio: 0.83 > 1.5 & < 3 |
| Outstanding Shares: last quarter (268.2m) vs 12m ago -4.71% < -2% |
| Gross Margin: 10.03% > 18% (prev 0.11%; Δ 991.8% > 0.5%) |
| Asset Turnover: 169.9% > 50% (prev 147.5%; Δ 22.40% > 0%) |
| Interest Coverage Ratio: 6.88 > 6 (EBITDA TTM 12.38b / Interest Expense TTM 1.41b) |
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 47.03b / Total Assets 157.92b) |
| C: 0.06 (EBIT TTM 9.68b / Avg Total Assets 157.78b) |
| D: 0.38 (Book Value of Equity 44.23b / Total Liabilities 115.91b) |
| Altman-Z'' Score: 1.38 = BB |
Beneish M -2.82
| DSRI: 0.99 (Receivables 31.71b/27.85b, Revenue 268.13b/232.59b) |
| GMI: 1.12 (GM 10.03% / 11.21%) |
| AQI: 1.02 (AQ_t 0.68 / AQ_t-1 0.66) |
| SGI: 1.15 (Revenue 268.13b / 232.59b) |
| TATA: -0.02 (NI 6.15b - CFO 8.66b) / TA 157.92b) |
| Beneish M-Score: -2.82 (Cap -4..+1) = A |
ValueRay F-Score (Strict, 0-100) 74.31
| 1. Piotroski: 6.50pt |
| 2. FCF Yield: 7.25% |
| 3. FCF Margin: 2.77% |
| 4. Debt/Equity: 0.81 |
| 5. Debt/Ebitda: 2.26 |
| 6. ROIC - WACC: 6.69% |
| 7. RoE: 15.06% |
| 8. Revenue Trend: 96.03% |
| 9. EPS Trend: data missing |
What is the price of CI shares?
Over the past week, the price has changed by -0.42%, over one month by -2.14%, over three months by -12.15% and over the past year by -9.84%.
Is CI a buy, sell or hold?
- StrongBuy: 13
- Buy: 6
- Hold: 6
- Sell: 0
- StrongSell: 0
What are the forecasts/targets for the CI price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 326.9 | 21% |
| Analysts Target Price | 326.9 | 21% |
| ValueRay Target Price | 267.9 | -0.8% |
CI Fundamental Data Overview January 27, 2026
P/E Forward = 9.1659
P/S = 0.2782
P/B = 1.784
P/EG = 0.5623
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 = 102.60b USD (74.58b + Debt 34.04b - CCE 6.03b)
Interest Coverage Ratio = 6.88 (Ebit TTM 9.68b / Interest Expense TTM 1.41b)
EV/FCF = 13.80x (Enterprise Value 102.60b / FCF TTM 7.44b)
FCF Yield = 7.25% (FCF TTM 7.44b / Enterprise Value 102.60b)
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 = 0.65 (Enterprise Value 102.60b / 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 = 3.90% (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 = 4.77% (E(74.58b)/V(108.62b) * Re(6.54%) + D(34.04b)/V(108.62b) * Rd(1.02%) * (1-Tc(0.14)))
Discount Rate = 6.54% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 7.95%
Fair Price DCF = unknown (Cash Flow 7.44b)
Revenue Correlation: 96.03 | Revenue CAGR: 11.89% | SUE: N/A | # QB: 0
Additional Sources for CI Stock
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