THE CIGNA GROUP (CI) Stock Fundamental Analysis

NYSE:CI • US1255231003

283.93 USD
-6.92 (-2.38%)
At close: Mar 3, 2026
283.93 USD
0 (0%)
After Hours: 3/3/2026, 8:01:41 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

4

Taking everything into account, CI scores 4 out of 10 in our fundamental rating. CI was compared to 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 has a valuation in line with the averages, but it does not seem to be growing. Finally CI also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

5

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.
  • Of the past 5 years CI 4 years were profitable.
  • Of the past 5 years CI 4 years had a positive operating cash flow.
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 has a Return On Assets of 3.89%. This is in the better half of the industry: CI outperforms 69.31% of its industry peers.
  • With an excellent Return On Equity value of 14.70%, CI belongs to the best of the industry, outperforming 81.19% 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 75.25% of the companies in the same industry.
  • The Average Return On Invested Capital over the past 3 years for CI is in line with the industry average of 9.13%.
  • 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

  • With a decent Profit Margin value of 2.29%, CI is doing good in the industry, outperforming 63.37% of the companies in the same industry.
  • CI's Profit Margin has declined in the last couple of years.
  • With a Operating Margin value of 3.72%, CI perfoms like the industry average, outperforming 56.44% of the companies in the same 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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ROAROEROICOperating and Profit MarginShow most profitable peers

3

2. Health

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) just above the Cost of Capital (WACC), CI is 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

  • CI has an Altman-Z score of 2.64. This is not the best score and indicates that CI is in the grey zone with still only limited risk for bankruptcy at the moment.
  • CI has a Altman-Z score (2.64) which is in line with its industry peers.
  • 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.
  • CI has a better Debt to FCF ratio (4.58) than 67.33% of its industry peers.
  • A Debt/Equity ratio of 0.74 indicates that CI is somewhat dependend on debt financing.
  • The Debt to Equity ratio of CI (0.74) is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 0.74
Debt/FCF 4.58
Altman-Z 2.64
ROIC/WACC1.07
WACC7.76%
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

  • 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.
  • CI has a Current ratio of 0.83. This is amonst the worse of the industry: CI underperforms 82.18% of its industry peers.
  • 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.
  • CI has a worse Quick ratio (0.73) than 78.22% of its industry peers.
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. Growth

3.1 Past

  • The Earnings Per Share has grown by an nice 9.18% over the past year.
  • The Earnings Per Share has been growing by 10.14% on average over the past years. This is quite good.
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

  • CI is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 9.31% yearly.
  • CI is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 4.58% yearly.
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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Find the best growth stocksShow best growing peers

6

4. Valuation

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 9.51, which indicates a very decent valuation of CI.
  • CI's Price/Earnings ratio is rather cheap when compared to the industry. CI is cheaper than 92.08% of the companies in the same industry.
  • When comparing the Price/Earnings ratio of CI to the average of the S&P500 Index (26.83), we can say CI is valued rather cheaply.
  • A Price/Forward Earnings ratio of 9.08 indicates a reasonable valuation of CI.
  • Based on the Price/Forward Earnings ratio, CI is valued cheaply inside the industry as 92.08% of the companies are valued more expensively.
  • CI's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 24.95.
Industry RankSector Rank
PE 9.51
Fwd PE 9.08
CI Price Earnings VS Forward Price EarningsCI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of CI indicates a somewhat cheap valuation: CI is cheaper than 76.24% of the companies listed in the same industry.
  • Based on the Price/Free Cash Flow ratio, CI is valued cheaply inside the industry as 84.16% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 10.06
EV/EBITDA 8.12
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)2
PEG (5Y)0.94
EPS Next 2Y7.51%
EPS Next 3Y9.25%

More info and screens

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

7

5. Dividend

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 0.48, CI pays a better dividend. On top of this CI pays more dividend than 93.07% 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 RankSector Rank
Dividend Yield 2.16%

5.2 History

  • On average, the dividend of CI grows each year by 169.26%, which is quite nice.
  • CI has paid a dividend for at least 10 years, which is 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
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

  • 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 2Y7.51%
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

More info and screens

Find the best dividend stocksShow peers with best dividend

THE CIGNA GROUP

NYSE:CI (3/3/2026, 8:01:41 PM)

After market: 283.93 0 (0%)

283.93

-6.92 (-2.38%)

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 Cap74.80B
Revenue(TTM)N/A
Net Income(TTM)6.15B
Analysts82.42
Price Target340.16 (19.8%)
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 9.51
Fwd PE 9.08
P/S 0.28
P/FCF 10.06
P/OCF 8.63
P/B 1.79
P/tB N/A
EV/EBITDA 8.12
EPS(TTM)29.85
EY10.51%
EPS(NY)31.27
Fwd EY11.01%
FCF(TTM)28.23
FCFY9.94%
OCF(TTM)32.89
OCFY11.58%
SpS1017.52
BVpS158.68
TBVpS-121.82
PEG (NY)2
PEG (5Y)0.94
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
WACC7.76%
ROIC/WACC1.07
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 6 / 10 to THE CIGNA GROUP (CI). This can be considered as Fairly Valued.


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.