CI Stock Analysis: Cigna | NYSE
Healthcare Plans | NYSE, USA | Market Cap: 74.645m USD | 12M Return: 2.7% | US1255231003 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 537M
EPS Trend: 96.3%
Qual. Beats: 0
Rev. Trend: 97.5%
Qual. Beats: 14
Warnings
Tailwinds
No distinct edge detected
Seasonality 11.6 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
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: 6.42b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.06 > 0.02 and ΔFCF/TA 3.20 > 1.0 |
| NWC/Revenue: -3.04% < 20% (prev -4.60%; Δ 1.56% < -1%) |
| CFO/TA 0.07 > 3% & CFO 10.3b > Net Income 6.42b |
| Net Debt (25.7b) to EBITDA (12.5b): 2.06 < 3 |
| Current Ratio: 0.85 > 1.5 & < 3 |
| Outstanding Shares: last quarter (264.0m) vs 12m ago -1.56% < -2% |
| Gross Margin: 11.66% > 18% (prev 10.51%; Δ 1.15% > 0.5%) |
| Asset Turnover: 182.9% > 50% (prev 172.8%; Δ 10.12% > 0%) |
| Interest Coverage Ratio: 7.00 > 6 (EBIT TTM 9.76b / Interest Expense TTM 1.40b) |
| A: -0.05 (Total Current Assets 47.0b - Total Current Liabilities 55.6b) / Total Assets 157b |
| B: 0.32 (Retained Earnings 50.4b / Total Assets 157b) |
| C: 0.06 (EBIT TTM 9.76b / Avg Total Assets 154b) |
| D: 0.37 (Book Value of Equity 42.6b / Total Liabilities 114b) |
| Altman-Z'' = 1.50 = BB |
| DSRI: 0.92 (Receivables 30.8b/31.1b, Revenue 282b/262b) |
| GMI: 0.90 (GM 10.51% / 11.66%) |
| AQI: 0.99 (AQ_t 0.68 / AQ_t-1 0.68) |
| SGI: 1.08 (Revenue 282b / 262b) |
| TATA: -0.02 (NI 6.42b - CFO 10.3b) / TA 157b) |
| Beneish M = -3.13 (Cap -4..+1) = AA |
As of August 12, 2026, the stock is trading at USD 278.40 with a total of 987,298 shares traded. Over the past week, the price has changed by -1.30%, over one month by -5.13%, over three months by -3.13% and over the past year by +2.72%.
Current recommended Stop Loss: 267.70 (which is 3.8% 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 | 341.4 | 22.6% |
P/E Trailing = 11.3907
P/E Forward = 9.0253
P/S = 0.2643
P/B = 1.6991
P/EG = 0.8207
Revenue TTM = 282b USD
EBIT TTM = 9.76b USD
EBITDA TTM = 12.5b USD
Long Term Debt = 29.1b USD (from longTermDebt, last quarter)
Short Term Debt = 2.79b USD (from shortTermDebt, last quarter)
Debt = 32.0b USD (from shortLongTermDebtTotal, last quarter) + Leases 87.0m
Net Debt = 25.7b USD (calculated: Debt 32.0b - CCE 6.30b)
Enterprise Value = 100b USD (74.6b + Debt 32.0b - CCE 6.30b)
Interest Coverage Ratio = 7.00 (Ebit TTM 9.76b / Interest Expense TTM 1.40b)
EV/FCF = 11.01x (Enterprise Value 100b / FCF TTM 9.11b)
FCF Yield = 9.08% (FCF TTM 9.11b / Enterprise Value 100b)
FCF Margin = 3.23% (FCF TTM 9.11b / Revenue TTM 282b)
Net Margin = 2.27% (Net Income TTM 6.42b / Revenue TTM 282b)
Gross Margin = 11.66% ((Revenue TTM 282b - Cost of Revenue TTM 249b) / Revenue TTM)
Gross Margin QoQ = 20.88% (prev 9.45%)
Tobins Q-Ratio = 0.64 (Enterprise Value 100b / Total Assets 157b)
Interest Expense / Debt = 4.36% (Interest Expense 1.40b / Debt 32.0b)
Taxrate = 17.84% (1.51b / 8.45b)
NOPAT = 8.02b (EBIT 9.76b * (1 - 17.84%))
Current Ratio = 0.85 (Total Current Assets 47.0b / Total Current Liabilities 55.6b)
Debt / Equity = 0.75 (Debt 32.0b / totalStockholderEquity, last quarter 42.6b)
Debt / EBITDA = 2.06 (Net Debt 25.7b / EBITDA 12.5b)
Debt / FCF = 2.82 (Net Debt 25.7b / FCF TTM 9.11b)
Total Stockholder Equity = 42.1b (last 4 quarters mean from totalStockholderEquity)
RoA = 4.16% (Net Income 6.42b / Total Assets 157b)
RoE = 15.24% (Net Income TTM 6.42b / Total Stockholder Equity 42.1b)
RoCE = 13.71% (EBIT 9.76b / Capital Employed (Equity 42.1b + L.T.Debt 29.1b))
RoIC = 8.18% (NOPAT 8.02b / Invested Capital 98.0b)
WACC = 4.73% (E(74.6b)/V(107b) * Re(5.22%) + D(32.0b)/V(107b) * Rd(4.36%) * (1-Tc(0.18)))
Discount Rate = 5.22% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -93.67 | Cagr: -3.57%
[DCF] Terminal Value 77.97% ; FCFF base≈7.05b ; Y1≈8.08b ; Y5≈11.9b
[DCF] Fair Price = 579.8 (EV 179b - Net Debt 25.7b = Equity 153b / Shares 264.2m; r=8.35% [WACC [floored]]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 96.35 | EPS CAGR: 9.51% | SUE: 0.40 | # QB: 0
Revenue Correlation: 97.49 | Revenue CAGR: 16.61% | SUE: 1.23 | # QB: 14
EPS current Quarter (2026-09-30): EPS=7.51 | Chg30d=-1.38% | Revisions=+0% | Analysts=21
EPS current Year (2026-12-31): EPS=30.49 | Chg30d=+0.30% | Revisions=+40% | GrowthEPS=+2.2% | GrowthRev=+4.3%
EPS next Year (2027-12-31): EPS=33.47 | Chg30d=+0.06% | Revisions=-17% | GrowthEPS=+9.8% | GrowthRev=+4.2%
[Analyst] Revisions Ratio: +10% (up=4, down=3)