THE CIGNA GROUP (CI) Fundamental Analysis & Valuation

NYSE:CI • US1255231003

Current stock price

261.96 USD
-10.12 (-3.72%)
At close:
261.937 USD
-0.02 (-0.01%)
After Hours:

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

6

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.
  • CI had positive earnings in each of the past 5 years.
  • CI had a positive operating cash flow in each 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 2025 2B 4B 6B 8B 10B

1.2 Ratios

  • CI has a better Return On Assets (3.77%) than 68.00% of its industry peers.
  • CI has a better Return On Equity (14.28%) than 81.00% of its industry peers.
  • With a decent Return On Invested Capital value of 7.70%, CI is doing good in the industry, outperforming 73.00% of the companies in the same industry.
  • Measured over the past 3 years, the Average Return On Invested Capital for CI is in line with the industry average of 8.74%.
  • The 3 year average ROIC (7.24%) for CI is below the current ROIC(7.70%), indicating increased profibility in the last year.
Industry RankSector Rank
ROA 3.77%
ROE 14.28%
ROIC 7.7%
ROA(3y)3.12%
ROA(5y)3.49%
ROE(3y)11.27%
ROE(5y)12.03%
ROIC(3y)7.24%
ROIC(5y)6.72%
CI Yearly ROA, ROE, ROICCI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15

1.3 Margins

  • With a decent Profit Margin value of 2.17%, CI is doing good in the industry, outperforming 62.00% of the companies in the same industry.
  • CI's Profit Margin has declined in the last couple of years.
  • CI's Operating Margin of 3.73% is in line compared to the rest of the industry. CI outperforms 55.00% of its industry peers.
  • In the last couple of years the Operating Margin of CI has declined.
  • The Gross Margin of CI (9.30%) is worse than 76.00% of its industry peers.
  • CI's Gross Margin has declined in the last couple of years.
Industry RankSector Rank
OM 3.73%
PM (TTM) 2.17%
GM 9.3%
OM growth 3Y-7.61%
OM growth 5Y-6.64%
PM growth 3Y-16.29%
PM growth 5Y-16.31%
GM growth 3Y-10.58%
GM growth 5Y-9.1%
CI Yearly Profit, Operating, Gross MarginsCI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30

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4

2. CI Health Analysis

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.
  • CI has less shares outstanding than it did 5 years ago.
  • CI has a better debt/assets ratio than last year.
CI Yearly Shares OutstandingCI Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 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 2025 50B 100B 150B

2.2 Solvency

  • An Altman-Z score of 2.67 indicates that CI is not a great score, but indicates only limited risk for bankruptcy at the moment.
  • CI's Altman-Z score of 2.67 is fine compared to the rest of the industry. CI outperforms 63.00% of its industry peers.
  • The Debt to FCF ratio of CI is 3.75, which is a good value as it means it would take CI, 3.75 years of fcf income to pay off all of its debts.
  • CI has a better Debt to FCF ratio (3.75) than 68.00% of its industry peers.
  • A Debt/Equity ratio of 0.74 indicates that CI is somewhat dependend on debt financing.
  • Looking at the Debt to Equity ratio, with a value of 0.74, CI is in line with its industry, outperforming 50.00% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.74
Debt/FCF 3.75
Altman-Z 2.67
ROIC/WACC0.98
WACC7.86%
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 2025 10B 20B 30B 40B 50B

2.3 Liquidity

  • CI has a Current Ratio of 0.85. 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 0.85, CI is not doing good in the industry: 81.00% of the companies in the same industry are doing better.
  • CI has a Quick Ratio of 0.85. 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 0.72, CI is doing worse than 80.00% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 0.85
Quick Ratio 0.72
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 2025 10B 20B 30B 40B 50B

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

5

3. CI Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an nice 9.18% over the past year.
  • Measured over the past years, CI shows a quite strong growth in Earnings Per Share. The EPS has been growing by 10.14% on average per year.
  • CI shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 11.24%.
  • Measured over the past years, CI shows a quite strong growth in Revenue. The Revenue has been growing by 11.40% on average per year.
EPS 1Y (TTM)9.18%
EPS 3Y8.72%
EPS 5Y10.14%
EPS Q2Q%21.69%
Revenue 1Y (TTM)11.24%
Revenue growth 3Y15.05%
Revenue growth 5Y11.4%
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 9.44% yearly.
  • The Revenue is expected to grow by 4.58% on average over the next years.
EPS Next Y4.65%
EPS Next 2Y7.35%
EPS Next 3Y8.59%
EPS Next 5Y9.44%
Revenue Next Year4.33%
Revenue Next 2Y5.12%
Revenue Next 3Y5.29%
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.
  • The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
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

  • A Price/Earnings ratio of 8.78 indicates a reasonable valuation of CI.
  • 94.00% of the companies in the same industry are more expensive than CI, based on the Price/Earnings ratio.
  • When comparing the Price/Earnings ratio of CI to the average of the S&P500 Index (24.89), we can say CI is valued rather cheaply.
  • A Price/Forward Earnings ratio of 8.39 indicates a reasonable valuation of CI.
  • Based on the Price/Forward Earnings ratio, CI is valued cheaply inside the industry as 94.00% of the companies are valued more expensively.
  • When comparing the Price/Forward Earnings ratio of CI to the average of the S&P500 Index (22.19), we can say CI is valued rather cheaply.
Industry RankSector Rank
PE 8.78
Fwd PE 8.39
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

  • Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of CI indicates a rather cheap valuation: CI is cheaper than 86.00% of the companies listed in the same industry.
  • Based on the Price/Free Cash Flow ratio, CI is valued cheaper than 84.00% of the companies in the same industry.
Industry RankSector Rank
P/FCF 8.23
EV/EBITDA 6.96
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.
  • CI has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)1.89
PEG (5Y)0.87
EPS Next 2Y7.35%
EPS Next 3Y8.59%

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

7

5. CI Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 2.29%, CI has a reasonable but not impressive dividend return.
  • Compared to an average industry Dividend Yield of 0.50, CI pays a better dividend. On top of this CI pays more dividend than 92.00% of the companies listed in the same industry.
  • CI's Dividend Yield is a higher than the S&P500 average which is at 1.89.
Industry RankSector Rank
Dividend Yield 2.29%

5.2 History

  • On average, the dividend of CI grows each year by 170.91%, which is quite nice.
  • 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)170.91%
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 27.04% of its income as dividend. This is a sustainable payout ratio.
  • CI's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP27.04%
EPS Next 2Y7.35%
EPS Next 3Y8.59%
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 2025 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 (3/27/2026, 8:07:03 PM)

After market: 261.937 -0.02 (-0.01%)

261.96

-10.12 (-3.72%)

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 Owners91.11%
Inst Owner Change-1.48%
Ins Owners0.34%
Ins Owner Change4.47%
Market Cap69.07B
Revenue(TTM)274.90B
Net Income(TTM)5.96B
Analysts82.42
Price Target342.08 (30.58%)
Short Float %2.02%
Short Ratio3
Dividend
Industry RankSector Rank
Dividend Yield 2.29%
Yearly Dividend6
Dividend Growth(5Y)170.91%
DP27.04%
Div Incr Years4
Div Non Decr Years19
Ex-Date03-05
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-0.5%
Min EPS beat(2)-0.6%
Max EPS beat(2)-0.41%
EPS beat(4)1
Avg EPS beat(4)-0.06%
Min EPS beat(4)-2.29%
Max EPS beat(4)3.05%
EPS beat(8)4
Avg EPS beat(8)-1.73%
EPS beat(12)6
Avg EPS beat(12)-1.25%
EPS beat(16)9
Avg EPS beat(16)0.59%
Revenue beat(2)2
Avg Revenue beat(2)0.83%
Min Revenue beat(2)0.76%
Max Revenue beat(2)0.9%
Revenue beat(4)4
Avg Revenue beat(4)2.85%
Min Revenue beat(4)0.76%
Max Revenue beat(4)5.31%
Revenue beat(8)7
Avg Revenue beat(8)1.91%
Revenue beat(12)8
Avg Revenue beat(12)1.21%
Revenue beat(16)8
Avg Revenue beat(16)0.43%
PT rev (1m)1.87%
PT rev (3m)2.45%
EPS NQ rev (1m)1.26%
EPS NQ rev (3m)5.06%
EPS NY rev (1m)-0.09%
EPS NY rev (3m)-0.33%
Revenue NQ rev (1m)-0.76%
Revenue NQ rev (3m)-0.98%
Revenue NY rev (1m)-0.42%
Revenue NY rev (3m)-0.21%
Valuation
Industry RankSector Rank
PE 8.78
Fwd PE 8.39
P/S 0.25
P/FCF 8.23
P/OCF 7.19
P/B 1.66
P/tB N/A
EV/EBITDA 6.96
EPS(TTM)29.85
EY11.39%
EPS(NY)31.24
Fwd EY11.92%
FCF(TTM)31.82
FCFY12.15%
OCF(TTM)36.41
OCFY13.9%
SpS1042.63
BVpS158.21
TBVpS-120.5
PEG (NY)1.89
PEG (5Y)0.87
Graham Number325.97
Profitability
Industry RankSector Rank
ROA 3.77%
ROE 14.28%
ROCE 10.1%
ROIC 7.7%
ROICexc 8.43%
ROICexgc 40.41%
OM 3.73%
PM (TTM) 2.17%
GM 9.3%
FCFM 3.05%
ROA(3y)3.12%
ROA(5y)3.49%
ROE(3y)11.27%
ROE(5y)12.03%
ROIC(3y)7.24%
ROIC(5y)6.72%
ROICexc(3y)7.91%
ROICexc(5y)7.28%
ROICexgc(3y)38.88%
ROICexgc(5y)35.34%
ROCE(3y)9.56%
ROCE(5y)8.88%
ROICexgc growth 3Y2.83%
ROICexgc growth 5Y12.85%
ROICexc growth 3Y7.42%
ROICexc growth 5Y7.38%
OM growth 3Y-7.61%
OM growth 5Y-6.64%
PM growth 3Y-16.29%
PM growth 5Y-16.31%
GM growth 3Y-10.58%
GM growth 5Y-9.1%
F-Score7
Asset Turnover1.74
Health
Industry RankSector Rank
Debt/Equity 0.74
Debt/FCF 3.75
Debt/EBITDA 2.37
Cap/Depr 43.68%
Cap/Sales 0.44%
Interest Coverage 7.6
Cash Conversion 73.66%
Profit Quality 140.83%
Current Ratio 0.85
Quick Ratio 0.72
Altman-Z 2.67
F-Score7
WACC7.86%
ROIC/WACC0.98
Cap/Depr(3y)48.72%
Cap/Depr(5y)45.95%
Cap/Sales(3y)0.61%
Cap/Sales(5y)0.64%
Profit Quality(3y)199.99%
Profit Quality(5y)164.58%
High Growth Momentum
Growth
EPS 1Y (TTM)9.18%
EPS 3Y8.72%
EPS 5Y10.14%
EPS Q2Q%21.69%
EPS Next Y4.65%
EPS Next 2Y7.35%
EPS Next 3Y8.59%
EPS Next 5Y9.44%
Revenue 1Y (TTM)11.24%
Revenue growth 3Y15.05%
Revenue growth 5Y11.4%
Sales Q2Q%10.39%
Revenue Next Year4.33%
Revenue Next 2Y5.12%
Revenue Next 3Y5.29%
Revenue Next 5Y4.58%
EBIT growth 1Y5.85%
EBIT growth 3Y6.29%
EBIT growth 5Y4%
EBIT Next Year30.97%
EBIT Next 3Y13.53%
EBIT Next 5Y8.92%
FCF growth 1Y-6.34%
FCF growth 3Y4.45%
FCF growth 5Y-1.95%
OCF growth 1Y-7.35%
OCF growth 3Y3.51%
OCF growth 5Y-1.49%

THE CIGNA GROUP / CI Fundamental Analysis 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 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 6 / 10.


What is the financial health of THE CIGNA GROUP (CI) stock?

The financial health rating of THE CIGNA GROUP (CI) is 4 / 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 4.65% in the next year.