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.
  • In the past year CI had a positive cash flow from operations.
  • In the past 5 years CI has always been profitable.
  • In the past 5 years CI always reported a positive cash flow from operatings.
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 Return On Equity of 14.28%. This is amongst the best in the industry. CI outperforms 81.00% of its industry peers.
  • Looking at the Return On Invested Capital, with a value of 7.70%, CI is in the better half of the industry, outperforming 73.00% 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 8.85%.
  • 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

  • CI has a Profit Margin of 2.17%. This is in the better half of the industry: CI outperforms 62.00% of its industry peers.
  • CI's Profit Margin has declined in the last couple of years.
  • CI has a Operating Margin (3.73%) which is in line with 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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ROAROEROICOperating and Profit MarginShow most profitable peers

4

2. CI Health Analysis

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), CI is destroying value.
  • Compared to 1 year ago, CI has less shares outstanding
  • The number of shares outstanding for CI has been reduced compared to 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

  • CI has an Altman-Z score of 2.69. 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.
  • With a decent Altman-Z score value of 2.69, CI is doing good in the industry, outperforming 63.00% of the companies in the same industry.
  • CI has a debt to FCF ratio of 3.75. This is a good value and a sign of high solvency as CI would need 3.75 years to pay back of all of its debts.
  • CI has a Debt to FCF ratio of 3.75. This is in the better half of the industry: CI outperforms 68.00% 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 50.00% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.74
Debt/FCF 3.75
Altman-Z 2.69
ROIC/WACC0.97
WACC7.95%
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

  • A Current Ratio of 0.85 indicates that CI may have some problems paying its short term obligations.
  • The Current ratio of CI (0.85) is worse than 81.00% of its industry peers.
  • 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.
  • CI has a worse Quick ratio (0.72) than 80.00% of its industry peers.
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

  • 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.
  • CI shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 11.24%.
  • CI shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 11.40% yearly.
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

  • Based on estimates for the next years, CI will show a quite strong growth in Earnings Per Share. The EPS will grow by 9.44% on average per year.
  • Based on estimates for the next years, CI will show a small growth in Revenue. The Revenue will grow by 4.58% on average per year.
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

  • 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.
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.
  • Compared to an average S&P500 Price/Earnings ratio of 24.88, CI is valued rather cheaply.
  • The Price/Forward Earnings ratio is 8.39, which indicates a very decent valuation of CI.
  • Based on the Price/Forward Earnings ratio, CI is valued cheaper than 94.00% of the companies in the same industry.
  • CI's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.19.
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

  • CI's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. CI is cheaper than 85.00% of the companies 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 7.17
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 an expensive valuation of the company.
  • The decent profitability rating of CI 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

  • CI has a Yearly Dividend Yield of 2.36%. Purely for dividend investing, there may be better candidates out there.
  • CI's Dividend Yield is rather good when compared to the industry average which is at 0.50. CI pays more dividend than 92.00% of the companies in the same industry.
  • CI's Dividend Yield is a higher than the S&P500 average which is at 1.90.
Industry RankSector Rank
Dividend Yield 2.36%

5.2 History

  • The dividend of CI is nicely growing with an annual growth rate of 170.91%!
  • 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

  • 27.04% of the earnings are spent on dividend by CI. This is a low number and 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 Target340.16 (29.85%)
Short Float %2.02%
Short Ratio3
Dividend
Industry RankSector Rank
Dividend Yield 2.36%
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 7.17
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 2.69
F-Score7
WACC7.95%
ROIC/WACC0.97
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.