THE CIGNA GROUP (CI) Fundamental Analysis & Valuation

NYSE:CI • US1255231003

281.27 USD
-3.47 (-1.22%)
At close: Mar 5, 2026
280 USD
-1.27 (-0.45%)
After Hours: 3/5/2026, 7:00:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Forecast Earnings Financials Ownership News

This CI fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

Fundamental Rating

4

Overall CI gets a fundamental rating of 4 out of 10. We evaluated CI against 101 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 cheap, but on the other hand it scores bad on growth. Finally CI also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

5

1. CI Profitability Analysis

1.1 Basic Checks

  • In the past year CI was profitable.
  • CI had a positive operating cash flow in the past year.
  • Of the past 5 years CI 4 years were profitable.
  • CI had a positive operating cash flow in 4 of the past 5 years.
CI Yearly Net Income VS EBIT VS OCF VS FCFCI Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B 10B

1.2 Ratios

  • CI's Return On Assets of 3.89% is fine compared to the rest of the industry. CI outperforms 69.31% 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 82.18% of the companies in the same industry.
  • With a decent Return On Invested Capital value of 8.31%, CI is doing good in the industry, outperforming 75.25% 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 9.07%.
  • The last Return On Invested Capital (8.31%) for CI is above the 3 year average (7.53%), which is a sign of increasing profitability.
Industry RankSector 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%
CI Yearly ROA, ROE, ROICCI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15

1.3 Margins

  • CI has a better Profit Margin (2.29%) than 63.37% of its industry peers.
  • In the last couple of years the Profit Margin of CI has declined.
  • The Operating Margin of CI (3.72%) is comparable to the rest of the industry.
  • CI's Operating Margin has declined in the last couple of years.
  • Looking at the Gross Margin, with a value of 9.55%, CI is doing worse than 76.24% of the companies in the same industry.
  • In the last couple of years the Gross Margin of CI has declined.
Industry RankSector 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%
CI Yearly Profit, Operating, Gross MarginsCI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

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3

2. CI Health Analysis

2.1 Basic Checks

  • The Return on Invested Capital (ROIC) is just above the Cost of Capital (WACC), so CI is still creating some value.
  • CI has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
CI Yearly Shares OutstandingCI Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M
CI Yearly Total Debt VS Total AssetsCI Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 50B 100B 150B

2.2 Solvency

  • An Altman-Z score of 2.64 indicates that CI is not a great score, but indicates only limited risk for bankruptcy at the moment.
  • CI has a Altman-Z score of 2.64. This is comparable to the rest of the industry: CI outperforms 57.43% of its industry peers.
  • The Debt to FCF ratio of CI is 4.58, which is a neutral value as it means it would take CI, 4.58 years of fcf income to pay off all of its debts.
  • CI has a Debt to FCF ratio of 4.58. This is in the better half of the industry: CI outperforms 67.33% 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.
  • With a Debt to Equity ratio value of 0.74, CI perfoms like the industry average, outperforming 50.49% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.74
Debt/FCF 4.58
Altman-Z 2.64
ROIC/WACC1.08
WACC7.7%
CI Yearly LT Debt VS Equity VS FCFCI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 10B 20B 30B 40B 50B

2.3 Liquidity

  • A Current Ratio of 0.83 indicates that CI may have some problems paying its short term obligations.
  • With a Current ratio value of 0.83, CI is not doing good in the industry: 83.17% of the companies in the same industry are doing better.
  • CI has a Quick 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.
  • Looking at the Quick ratio, with a value of 0.73, CI is doing worse than 79.21% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 0.83
Quick Ratio 0.73
CI Yearly Current Assets VS Current LiabilitesCI Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 10B 20B 30B 40B 50B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

3

3. CI Growth Analysis

3.1 Past

  • CI shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 9.18%, which is quite good.
  • CI shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 10.14% yearly.
EPS 1Y (TTM)9.18%
EPS 3Y8.72%
EPS 5Y10.14%
EPS Q2Q%21.69%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%10.39%

3.2 Future

  • Based on estimates for the next years, CI will show a quite strong growth in Earnings Per Share. The EPS will grow by 9.31% on average per year.
  • The Revenue is expected to grow by 4.58% on average over the next years.
EPS Next Y4.75%
EPS Next 2Y7.51%
EPS Next 3Y9.25%
EPS Next 5Y9.31%
Revenue Next Year4.26%
Revenue Next 2Y5.04%
Revenue Next 3Y5.01%
Revenue Next 5Y4.58%

3.3 Evolution

  • When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
CI Yearly Revenue VS EstimatesCI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2017 2019 2021 2023 2025 2027 2029 2031 2033 100B 200B 300B
CI Yearly EPS VS EstimatesCI Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2017 2019 2021 2023 2025 2027 2029 2031 2033 20 40 60

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7

4. CI Valuation Analysis

4.1 Price/Earnings Ratio

  • CI is valuated reasonably with a Price/Earnings ratio of 9.42.
  • Based on the Price/Earnings ratio, CI is valued cheaply inside the industry as 93.07% of the companies are valued more expensively.
  • CI is valuated cheaply when we compare the Price/Earnings ratio to 26.74, which is the current average of the S&P500 Index.
  • Based on the Price/Forward Earnings ratio of 9.00, the valuation of CI can be described as reasonable.
  • 92.08% of the companies in the same industry are more expensive than CI, based on the Price/Forward Earnings ratio.
  • The average S&P500 Price/Forward Earnings ratio is at 24.82. CI is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 9.42
Fwd PE 9
CI Price Earnings VS Forward Price EarningsCI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30 40

4.2 Price Multiples

  • CI's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. CI is cheaper than 81.19% of the companies in the same industry.
  • 83.17% of the companies in the same industry are more expensive than CI, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 9.96
EV/EBITDA 7.99
CI Per share dataCI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 200 400 600 800 1K

4.3 Compensation for Growth

  • The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates CI does not grow enough to justify the current Price/Earnings ratio.
PEG (NY)1.99
PEG (5Y)0.93
EPS Next 2Y7.51%
EPS Next 3Y9.25%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

7

5. CI Dividend Analysis

5.1 Amount

  • CI has a Yearly Dividend Yield of 2.16%. Purely for dividend investing, there may be better candidates out there.
  • Compared to an average industry Dividend Yield of 0.49, CI pays a better dividend. On top of this CI pays more dividend than 93.07% of the companies listed in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.82, CI has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 2.16%

5.2 History

  • The dividend of CI is nicely growing with an annual growth rate of 169.26%!
  • CI has paid a dividend for at least 10 years, which is a reliable track record.
  • CI has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)169.26%
Div Incr Years4
Div Non Decr Years19
CI Yearly Dividends per shareCI Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2 4 6

5.3 Sustainability

  • CI pays out 26.01% of its income as dividend. This is a 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 2Y7.51%
EPS Next 3Y9.25%
CI Yearly Income VS Free CF VS DividendCI Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B 10B
CI Dividend Payout.CI Dividend Payout, showing the Payout Ratio.CI Dividend Payout.PayoutRetained Earnings

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CI Fundamentals: All Metrics, Ratios and Statistics

THE CIGNA GROUP

NYSE:CI (3/5/2026, 7:00:00 PM)

After market: 280 -1.27 (-0.45%)

281.27

-3.47 (-1.22%)

Chartmill FA Rating
GICS SectorHealth Care
GICS IndustryGroupHealth Care Equipment & Services
GICS IndustryHealth Care Providers & Services
Earnings (Last)02-05
Earnings (Next)04-30
Inst Owners90.65%
Inst Owner Change-1.67%
Ins Owners0.33%
Ins Owner Change0.08%
Market Cap74.10B
Revenue(TTM)N/A
Net Income(TTM)6.15B
Analysts82.42
Price Target340.16 (20.94%)
Short Float %1.74%
Short Ratio2.71
Dividend
Industry RankSector Rank
Dividend Yield 2.16%
Yearly Dividend5.53
Dividend Growth(5Y)169.26%
DP26.01%
Div Incr Years4
Div Non Decr Years19
Ex-Date03-05
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-1.44%
Min EPS beat(2)-2.29%
Max EPS beat(2)-0.6%
EPS beat(4)1
Avg EPS beat(4)-4.36%
Min EPS beat(4)-17.61%
Max EPS beat(4)3.05%
EPS beat(8)5
Avg EPS beat(8)-1.57%
EPS beat(12)6
Avg EPS beat(12)-1.3%
EPS beat(16)9
Avg EPS beat(16)0.51%
Revenue beat(2)2
Avg Revenue beat(2)2.66%
Min Revenue beat(2)0.9%
Max Revenue beat(2)4.42%
Revenue beat(4)4
Avg Revenue beat(4)2.81%
Min Revenue beat(4)0.59%
Max Revenue beat(4)5.31%
Revenue beat(8)7
Avg Revenue beat(8)2%
Revenue beat(12)7
Avg Revenue beat(12)0.91%
Revenue beat(16)8
Avg Revenue beat(16)0.46%
PT rev (1m)2.03%
PT rev (3m)1.46%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-0.28%
EPS NY rev (1m)0%
EPS NY rev (3m)0.14%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.14%
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.27%
Valuation
Industry RankSector Rank
PE 9.42
Fwd PE 9
P/S 0.28
P/FCF 9.96
P/OCF 8.55
P/B 1.77
P/tB N/A
EV/EBITDA 7.99
EPS(TTM)29.85
EY10.61%
EPS(NY)31.27
Fwd EY11.12%
FCF(TTM)28.23
FCFY10.04%
OCF(TTM)32.89
OCFY11.69%
SpS1017.52
BVpS158.68
TBVpS-121.82
PEG (NY)1.99
PEG (5Y)0.93
Graham Number326.45
Profitability
Industry RankSector Rank
ROA 3.89%
ROE 14.7%
ROCE 9.83%
ROIC 8.31%
ROICexc 8.92%
ROICexgc 40.82%
OM 3.72%
PM (TTM) 2.29%
GM 9.55%
FCFM 2.77%
ROA(3y)3.41%
ROA(5y)3.82%
ROE(3y)11.49%
ROE(5y)12.53%
ROIC(3y)7.53%
ROIC(5y)6.93%
ROICexc(3y)8.17%
ROICexc(5y)7.51%
ROICexgc(3y)41.92%
ROICexgc(5y)35.13%
ROCE(3y)8.97%
ROCE(5y)8.27%
ROICexgc growth 3Y24.32%
ROICexgc growth 5Y14.18%
ROICexc growth 3Y11.69%
ROICexc growth 5Y5.98%
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%
F-Score6
Asset Turnover1.7
Health
Industry RankSector Rank
Debt/Equity 0.74
Debt/FCF 4.58
Debt/EBITDA 2.44
Cap/Depr 45.46%
Cap/Sales 0.46%
Interest Coverage 7.4
Cash Conversion 68.38%
Profit Quality 120.99%
Current Ratio 0.83
Quick Ratio 0.73
Altman-Z 2.64
F-Score6
WACC7.7%
ROIC/WACC1.08
Cap/Depr(3y)48.86%
Cap/Depr(5y)45.02%
Cap/Sales(3y)0.7%
Cap/Sales(5y)0.69%
Profit Quality(3y)189.84%
Profit Quality(5y)158.3%
High Growth Momentum
Growth
EPS 1Y (TTM)9.18%
EPS 3Y8.72%
EPS 5Y10.14%
EPS Q2Q%21.69%
EPS Next Y4.75%
EPS Next 2Y7.51%
EPS Next 3Y9.25%
EPS Next 5Y9.31%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%10.39%
Revenue Next Year4.26%
Revenue Next 2Y5.04%
Revenue Next 3Y5.01%
Revenue Next 5Y4.58%
EBIT growth 1Y0.13%
EBIT growth 3Y5.54%
EBIT growth 5Y1.75%
EBIT Next Year22.74%
EBIT Next 3Y9.6%
EBIT Next 5Y6.54%
FCF growth 1Y-31.72%
FCF growth 3Y14.05%
FCF growth 5Y1.21%
OCF growth 1Y-30.38%
OCF growth 3Y12.95%
OCF growth 5Y1.79%

THE CIGNA GROUP / CI FAQ

What is the fundamental rating for CI stock?

ChartMill assigns a fundamental rating of 4 / 10 to CI.


What is the valuation status of THE CIGNA GROUP (CI) stock?

ChartMill assigns a valuation rating of 7 / 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 5 / 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 4.75% in the next year.