THE CIGNA GROUP (CI) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:CI - US1255231003 - Common Stock
272.21 USD
-5.73 (-2.06%)
269.55 USD
-2.66 (-0.98%)
We assign a fundamental rating of 5 out of 10 to CI. CI was compared to 102 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 scores decently on growth, while it is valued quite cheap. This could make an interesting combination. Finally CI also has an excellent dividend rating.
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.
- In the past 5 years CI has always been profitable.
- Each year in the past 5 years CI had a positive operating cash flow.
1.2 Ratios
- CI's Return On Assets of 3.89% is fine compared to the rest of the industry. CI outperforms 69.61% of its industry peers.
- CI's Return On Equity of 14.70% is amongst the best of the industry. CI outperforms 80.39% of its industry peers.
- Looking at the Return On Invested Capital, with a value of 8.31%, CI is in the better half of the industry, outperforming 74.51% 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 9.21%.
- The 3 year average ROIC (7.53%) for CI is below the current ROIC(8.31%), indicating increased profibility in the last year.
| Industry Rank | Sector 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%
1.3 Margins
- With a decent Profit Margin value of 2.29%, CI is doing good in the industry, outperforming 62.75% of the companies in the same industry.
- 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 74.51% of its industry peers.
- CI's Gross Margin has declined in the last couple of years.
| Industry Rank | Sector 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%
2. Health
2.1 Basic Checks
- CI has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it 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.
- The debt/assets ratio for CI is higher compared to a year ago.
2.2 Solvency
- An Altman-Z score of 2.62 indicates that CI is not a great score, but indicates only limited risk for bankruptcy at the moment.
- CI has a Altman-Z score (2.62) 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's Debt to FCF ratio of 4.58 is fine compared to the rest of the industry. CI outperforms 68.63% of its industry peers.
- A Debt/Equity ratio of 0.74 indicates that CI is somewhat dependend on debt financing.
- CI has a Debt to Equity ratio of 0.74. This is comparable to the rest of the industry: CI outperforms 50.98% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.74 | ||
| Debt/FCF | 4.58 | ||
| Altman-Z | 2.62 |
ROIC/WACC0.98
WACC8.51%
2.3 Liquidity
- A Current Ratio of 0.83 indicates that CI may have some problems paying its short term obligations.
- The Current ratio of CI (0.83) is worse than 82.35% of its industry peers.
- A Quick Ratio of 0.73 indicates that CI may have some problems paying 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 78.43% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.83 | ||
| Quick Ratio | 0.73 |
3. Growth
3.1 Past
- The Earnings Per Share has been growing slightly by 3.35% over the past year.
- CI shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 10.05% yearly.
- CI shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 15.26%.
- Measured over the past years, CI shows a quite strong growth in Revenue. The Revenue has been growing by 9.98% on average per year.
EPS 1Y (TTM)3.35%
EPS 3Y10.13%
EPS 5Y10.05%
EPS Q2Q%4.26%
Revenue 1Y (TTM)15.26%
Revenue growth 3Y12.39%
Revenue growth 5Y9.98%
Sales Q2Q%9.5%
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 8.86% yearly.
- The Revenue is expected to grow by 5.58% on average over the next years.
EPS Next Y11.67%
EPS Next 2Y7.03%
EPS Next 3Y8.01%
EPS Next 5Y8.86%
Revenue Next Year11.03%
Revenue Next 2Y7.79%
Revenue Next 3Y7.23%
Revenue Next 5Y5.58%
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.
- When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
4. Valuation
4.1 Price/Earnings Ratio
- A Price/Earnings ratio of 9.58 indicates a reasonable valuation of CI.
- CI's Price/Earnings ratio is rather cheap when compared to the industry. CI is cheaper than 94.12% of the companies in the same industry.
- CI is valuated cheaply when we compare the Price/Earnings ratio to 27.38, which is the current average of the S&P500 Index.
- Based on the Price/Forward Earnings ratio of 8.69, the valuation of CI can be described as reasonable.
- Based on the Price/Forward Earnings ratio, CI is valued cheaply inside the industry as 92.16% of the companies are valued more expensively.
- When comparing the Price/Forward Earnings ratio of CI to the average of the S&P500 Index (24.29), we can say CI is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.58 | ||
| Fwd PE | 8.69 |
4.2 Price Multiples
- 81.37% of the companies in the same industry are more expensive than CI, based on the Enterprise Value to EBITDA ratio.
- Compared to the rest of the industry, the Price/Free Cash Flow ratio of CI indicates a rather cheap valuation: CI is cheaper than 86.27% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 9.78 | ||
| EV/EBITDA | 7.81 |
4.3 Compensation for Growth
- CI's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
- CI has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)0.82
PEG (5Y)0.95
EPS Next 2Y7.03%
EPS Next 3Y8.01%
5. Dividend
5.1 Amount
- CI has a Yearly Dividend Yield of 2.17%.
- CI's Dividend Yield is rather good when compared to the industry average which is at 0.59. CI pays more dividend than 94.12% of the companies in the same industry.
- Compared to an average S&P500 Dividend Yield of 1.84, CI has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.17% |
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 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
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 2Y7.03%
EPS Next 3Y8.01%
272.21
-5.73 (-2.06%)
Chartmill FA Rating
GICS SectorHealth Care
GICS IndustryGroupHealth Care Equipment & Services
GICS IndustryHealth Care Providers & Services
Earnings (Last)10-30 2025-10-30/bmo
Earnings (Next)02-05 2026-02-05/amc
Inst Owners90.65%
Inst Owner Change0.06%
Ins Owners0.33%
Ins Owner Change-0.04%
Market Cap72.72B
Revenue(TTM)268.08B
Net Income(TTM)6.15B
Analysts82.42
Price Target333.39 (22.48%)
Short Float %1.79%
Short Ratio2.61
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.17% |
Yearly Dividend5.53
Dividend Growth(5Y)169.26%
DP26.01%
Div Incr Years4
Div Non Decr Years19
Ex-DateN/A
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)-0.67%
PT rev (3m)-9.58%
EPS NQ rev (1m)-0.02%
EPS NQ rev (3m)-2.46%
EPS NY rev (1m)-0.01%
EPS NY rev (3m)-0.02%
Revenue NQ rev (1m)0.21%
Revenue NQ rev (3m)2.56%
Revenue NY rev (1m)0.06%
Revenue NY rev (3m)1.59%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.58 | ||
| Fwd PE | 8.69 | ||
| P/S | 0.27 | ||
| P/FCF | 9.78 | ||
| P/OCF | 8.39 | ||
| P/B | 1.74 | ||
| P/tB | N/A | ||
| EV/EBITDA | 7.81 |
EPS(TTM)28.41
EY10.44%
EPS(NY)31.32
Fwd EY11.51%
FCF(TTM)27.84
FCFY10.23%
OCF(TTM)32.43
OCFY11.91%
SpS1003.55
BVpS156.5
TBVpS-120.14
PEG (NY)0.82
PEG (5Y)0.95
Graham Number316.29
Profitability
| Industry Rank | Sector 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 Rank | Sector 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 | 2.62 |
F-Score6
WACC8.51%
ROIC/WACC0.98
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)3.35%
EPS 3Y10.13%
EPS 5Y10.05%
EPS Q2Q%4.26%
EPS Next Y11.67%
EPS Next 2Y7.03%
EPS Next 3Y8.01%
EPS Next 5Y8.86%
Revenue 1Y (TTM)15.26%
Revenue growth 3Y12.39%
Revenue growth 5Y9.98%
Sales Q2Q%9.5%
Revenue Next Year11.03%
Revenue Next 2Y7.79%
Revenue Next 3Y7.23%
Revenue Next 5Y5.58%
EBIT growth 1Y0.13%
EBIT growth 3Y5.54%
EBIT growth 5Y1.75%
EBIT Next Year22.59%
EBIT Next 3Y9.56%
EBIT Next 5Y5.28%
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 5 / 10 to CI.
What is the valuation status of THE CIGNA GROUP (CI) stock?
ChartMill assigns a valuation rating of 8 / 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 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 11.67% in the next year.