THE CIGNA GROUP (CI) Fundamental Analysis & Valuation

NYSE:CI • US1255231003

265.88 USD
+5.01 (+1.92%)
At close: Mar 12, 2026
266.5 USD
+0.62 (+0.23%)
Pre-Market: 3/13/2026, 7:11:30 AM
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

CI gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 101 industry peers in the Health Care Providers & Services industry. CI has a medium profitability rating, but doesn't score so well on its financial health evaluation. CI is valued quite cheap, but it does not seem to be growing. Finally CI also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

5

1. CI Profitability Analysis

1.1 Basic Checks

  • CI had positive earnings in the past year.
  • CI had a positive operating cash flow in the past year.
  • CI had positive earnings in 4 of the past 5 years.
  • 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 better Return On Assets (3.89%) than 70.30% of its industry peers.
  • CI's Return On Equity of 14.70% is amongst the best of the industry. CI outperforms 83.17% of its industry peers.
  • 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.
  • Measured over the past 3 years, the Average Return On Invested Capital for CI is in line with the industry average of 8.98%.
  • 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 64.36% 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.
  • In the last couple of years the Operating Margin of CI has declined.
  • The Gross Margin of CI (9.55%) is worse than 76.24% of its industry peers.
  • CI's Gross Margin has declined in the last couple of years.
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. 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

  • CI has an Altman-Z score of 2.61. 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.
  • The Altman-Z score of CI (2.61) is better than 60.40% 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.
  • The Debt to FCF ratio of CI (4.58) is better than 66.34% 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 comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 0.74
Debt/FCF 4.58
Altman-Z 2.61
ROIC/WACC1.05
WACC7.89%
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.
  • CI's Current ratio of 0.83 is on the low side compared to the rest of the industry. CI is outperformed by 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's Quick ratio of 0.73 is on the low side compared to the rest of the industry. CI is outperformed by 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. 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.
  • 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

  • The EPS growth rate is stable: in the next years the growth will be about the same 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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Find the best growth stocksShow best growing peers

7

4. CI Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 8.91, the valuation of CI can be described as very reasonable.
  • 95.05% of the companies in the same industry are more expensive than CI, based on the Price/Earnings ratio.
  • The average S&P500 Price/Earnings ratio is at 25.71. CI is valued rather cheaply when compared to this.
  • A Price/Forward Earnings ratio of 8.50 indicates a reasonable valuation of CI.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of CI indicates a rather cheap valuation: CI is cheaper than 93.07% of the companies listed in the same industry.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 23.82, CI is valued rather cheaply.
Industry RankSector Rank
PE 8.91
Fwd PE 8.5
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

  • Based on the Enterprise Value to EBITDA ratio, CI is valued cheaply inside the industry as 82.18% of the companies are valued more expensively.
  • 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 9.42
EV/EBITDA 7.6
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.
PEG (NY)1.88
PEG (5Y)0.88
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%.
  • CI's Dividend Yield is rather good when compared to the industry average which is at 0.49. CI pays more dividend than 92.08% of the companies 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.
  • CI's earnings are growing slower than its dividend. 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

CI Fundamentals: All Metrics, Ratios and Statistics

THE CIGNA GROUP

NYSE:CI (3/12/2026, 8:04:00 PM)

Premarket: 266.5 +0.62 (+0.23%)

265.88

+5.01 (+1.92%)

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-1.48%
Ins Owners0.33%
Ins Owner Change4.47%
Market Cap70.05B
Revenue(TTM)N/A
Net Income(TTM)6.15B
Analysts82.42
Price Target340.16 (27.94%)
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)1.87%
PT rev (3m)1.35%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-0.28%
EPS NY rev (1m)0%
EPS NY rev (3m)-0.01%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.14%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.03%
Valuation
Industry RankSector Rank
PE 8.91
Fwd PE 8.5
P/S 0.26
P/FCF 9.42
P/OCF 8.09
P/B 1.68
P/tB N/A
EV/EBITDA 7.6
EPS(TTM)29.85
EY11.23%
EPS(NY)31.27
Fwd EY11.76%
FCF(TTM)28.23
FCFY10.62%
OCF(TTM)32.89
OCFY12.37%
SpS1017.52
BVpS158.68
TBVpS-121.82
PEG (NY)1.88
PEG (5Y)0.88
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 2.61
F-Score6
WACC7.89%
ROIC/WACC1.05
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.