THE CIGNA GROUP (CI) Stock Fundamental Analysis
USA • New York Stock Exchange • NYSE:CI • US1255231003
274.11 USD
+2.84 (+1.05%)
At close: Jan 30, 2026
272.5 USD
-1.61 (-0.59%)
After Hours: 1/30/2026, 8:04:00 PM
Taking everything into account, CI scores 5 out of 10 in our fundamental rating. CI was compared to 103 industry peers in the Health Care Providers & Services industry. While CI is still in line with the averages on profitability rating, there are concerns on its financial health. CI is valued quite cheap, while showing a decent growth score. This is a good combination! Finally CI also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
- CI had positive earnings in the past year.
- In the past year CI had a positive cash flow from operations.
- Each year in the past 5 years CI has been profitable.
- CI had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
- CI's Return On Assets of 3.89% is fine compared to the rest of the industry. CI outperforms 68.93% of its industry peers.
- Looking at the Return On Equity, with a value of 14.70%, CI belongs to the top of the industry, outperforming 81.55% of the companies in the same industry.
- Looking at the Return On Invested Capital, with a value of 8.31%, CI is in the better half of the industry, outperforming 74.76% of the companies in the same industry.
- CI had an Average Return On Invested Capital over the past 3 years of 7.53%. This is in line with the industry average of 9.16%.
- The 3 year average ROIC (7.53%) for CI is below the current ROIC(8.31%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.89% | ||
| ROE | 14.7% | ||
| ROIC | 8.31% |
ROA(3y)3.41%
ROA(5y)3.82%
ROE(3y)11.49%
ROE(5y)12.53%
ROIC(3y)7.53%
ROIC(5y)6.93%
1.3 Margins
- CI has a better Profit Margin (2.29%) than 62.14% of its industry peers.
- CI's Profit Margin has declined in the last couple of years.
- The Operating Margin of CI (3.72%) is comparable to the rest of the industry.
- In the last couple of years the Operating Margin of CI has declined.
- CI's Gross Margin of 9.55% is on the low side compared to the rest of the industry. CI is outperformed by 74.76% of its industry peers.
- CI's Gross Margin has declined in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 3.72% | ||
| PM (TTM) | 2.29% | ||
| GM | 9.55% |
OM growth 3Y-6.1%
OM growth 5Y-7.49%
PM growth 3Y-23.32%
PM growth 5Y-16%
GM growth 3Y-7.3%
GM growth 5Y-8.44%
2. Health
2.1 Basic Checks
- The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so CI is destroying value.
- CI has less shares outstanding than it did 1 year ago.
- The number of shares outstanding for CI has been reduced compared to 5 years ago.
- CI has a worse debt/assets ratio than last year.
2.2 Solvency
- An Altman-Z score of 2.62 indicates that CI is not a great score, but indicates only limited risk for bankruptcy at the moment.
- The Altman-Z score of CI (2.62) is comparable to the rest of the industry.
- CI has a debt to FCF ratio of 4.58. This is a neutral value as CI would need 4.58 years to pay back of all of its debts.
- The Debt to FCF ratio of CI (4.58) is better than 68.93% of its industry peers.
- CI has a Debt/Equity ratio of 0.74. This is a neutral value indicating CI is somewhat dependend on debt financing.
- CI has a Debt to Equity ratio (0.74) which is in line with its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.74 | ||
| Debt/FCF | 4.58 | ||
| Altman-Z | 2.62 |
ROIC/WACC0.98
WACC8.45%
2.3 Liquidity
- CI has a Current Ratio of 0.83. This is a bad value and indicates that CI is not financially healthy enough and could expect problems in meeting its short term obligations.
- With a Current ratio value of 0.83, CI is not doing good in the industry: 81.55% of the companies in the same industry are doing better.
- A Quick Ratio of 0.73 indicates that CI may have some problems paying its short term obligations.
- CI has a worse Quick ratio (0.73) than 77.67% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.83 | ||
| Quick Ratio | 0.73 |
3. Growth
3.1 Past
- CI shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 3.35%.
- The Earnings Per Share has been growing by 10.05% on average over the past years. This is quite good.
- CI shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 15.26%.
- Measured over the past years, CI shows a quite strong growth in Revenue. The Revenue has been growing by 9.98% on average per year.
EPS 1Y (TTM)3.35%
EPS 3Y10.13%
EPS 5Y10.05%
EPS Q2Q%4.26%
Revenue 1Y (TTM)15.26%
Revenue growth 3Y12.39%
Revenue growth 5Y9.98%
Sales Q2Q%9.5%
3.2 Future
- CI is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 8.86% yearly.
- Based on estimates for the next years, CI will show a small growth in Revenue. The Revenue will grow by 5.58% on average per year.
EPS Next Y11.67%
EPS Next 2Y7.03%
EPS Next 3Y8.01%
EPS Next 5Y8.86%
Revenue Next Year11.03%
Revenue Next 2Y7.86%
Revenue Next 3Y7.24%
Revenue Next 5Y5.58%
3.3 Evolution
- The EPS growth rate is stable: in the next years the growth will be about the same than in the last years.
- The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
- Based on the Price/Earnings ratio of 9.65, the valuation of CI can be described as reasonable.
- CI's Price/Earnings ratio is rather cheap when compared to the industry. CI is cheaper than 94.17% of the companies in the same industry.
- Compared to an average S&P500 Price/Earnings ratio of 28.30, CI is valued rather cheaply.
- Based on the Price/Forward Earnings ratio of 8.75, the valuation of CI can be described as reasonable.
- CI's Price/Forward Earnings ratio is rather cheap when compared to the industry. CI is cheaper than 91.26% of the companies in the same industry.
- CI is valuated cheaply when we compare the Price/Forward Earnings ratio to 25.57, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.65 | ||
| Fwd PE | 8.75 |
4.2 Price Multiples
- Based on the Enterprise Value to EBITDA ratio, CI is valued a bit cheaper than the industry average as 79.61% of the companies are valued more expensively.
- Compared to the rest of the industry, the Price/Free Cash Flow ratio of CI indicates a rather cheap valuation: CI is cheaper than 85.44% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 9.85 | ||
| EV/EBITDA | 7.79 |
4.3 Compensation for Growth
- The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
- CI has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)0.83
PEG (5Y)0.96
EPS Next 2Y7.03%
EPS Next 3Y8.01%
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 2.15%, CI has a reasonable but not impressive dividend return.
- Compared to an average industry Dividend Yield of 0.45, CI pays a better dividend. On top of this CI pays more dividend than 94.17% of the companies listed in the same industry.
- CI's Dividend Yield is comparable with the S&P500 average which is at 1.82.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.15% |
5.2 History
- The dividend of CI is nicely growing with an annual growth rate of 169.26%!
- CI has been paying a dividend for at least 10 years, so it has a reliable track record.
- CI has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)169.26%
Div Incr Years4
Div Non Decr Years19
5.3 Sustainability
- 26.01% of the earnings are spent on dividend by CI. This is a low number and sustainable payout ratio.
- The dividend of CI is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP26.01%
EPS Next 2Y7.03%
EPS Next 3Y8.01%
THE CIGNA GROUP / CI FAQ
What is the fundamental rating for CI stock?
ChartMill assigns a fundamental rating of 5 / 10 to CI.
What is the valuation status of THE CIGNA GROUP (CI) stock?
ChartMill assigns a valuation rating of 8 / 10 to THE CIGNA GROUP (CI). This can be considered as Undervalued.
How profitable is THE CIGNA GROUP (CI) stock?
THE CIGNA GROUP (CI) has a profitability rating of 6 / 10.
What is the financial health of THE CIGNA GROUP (CI) stock?
The financial health rating of THE CIGNA GROUP (CI) is 3 / 10.
Can you provide the expected EPS growth for CI stock?
The Earnings per Share (EPS) of THE CIGNA GROUP (CI) is expected to grow by 11.67% in the next year.