THE CIGNA GROUP (CI) Stock Fundamental Analysis

NYSE:CI • US1255231003

280.31 USD
-5.61 (-1.96%)
At close: Feb 20, 2026
280.31 USD
0 (0%)
After Hours: 2/20/2026, 8:23:18 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

4

Overall CI gets a fundamental rating of 4 out of 10. We evaluated CI against 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 is valued correctly, but it does not seem to be growing. CI also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

5

1. Profitability

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 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

  • With a decent Return On Assets value of 3.89%, CI is doing good in the industry, outperforming 69.61% of the companies in the same industry.
  • CI has a better Return On Equity (14.70%) than 81.37% of its industry peers.
  • CI has a Return On Invested Capital of 8.31%. This is in the better half of the industry: CI outperforms 75.49% of its industry peers.
  • The Average Return On Invested Capital over the past 3 years for CI is in line with the industry average of 9.00%.
  • The 3 year average ROIC (7.53%) for CI is below the current ROIC(8.31%), indicating increased profibility in the last year.
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

  • The Profit Margin of CI (2.29%) is better than 62.75% of its industry peers.
  • In the last couple of years the Profit Margin of CI has declined.
  • CI has a Operating Margin of 3.72%. This is comparable to the rest of the industry: CI outperforms 56.86% of its industry peers.
  • In the last couple of years the Operating Margin of CI has declined.
  • CI has a worse Gross Margin (9.55%) than 76.47% of its industry peers.
  • 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

  • CI has a Return on Invested Capital (ROIC), which is just above the Cost of Capital (WACC), which means it 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

  • An Altman-Z score of 2.64 indicates that CI is not a great score, but indicates only limited risk for bankruptcy at the moment.
  • CI has a Altman-Z score (2.64) which is comparable to the rest of the industry.
  • 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.
  • With a decent Debt to FCF ratio value of 4.58, CI is doing good in the industry, outperforming 66.67% of the companies in the same industry.
  • 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/WACC1.02
WACC8.11%
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 82.35% 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.
  • With a Quick ratio value of 0.73, CI is not doing good in the industry: 78.43% of the companies in the same industry are doing better.
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

  • 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.
  • 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

  • The Earnings Per Share is expected to grow by 9.31% on average over the next years. This is quite good.
  • 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 Y4.75%
EPS Next 2Y7.51%
EPS Next 3Y9.25%
EPS Next 5Y9.31%
Revenue Next Year4.77%
Revenue Next 2Y5.39%
Revenue Next 3Y5.43%
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 9.39, which indicates a very decent valuation of CI.
  • 93.14% 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 (26.99), we can say CI is valued rather cheaply.
  • The Price/Forward Earnings ratio is 8.97, which indicates a very decent valuation of CI.
  • 93.14% of the companies in the same industry are more expensive than CI, based on the Price/Forward Earnings ratio.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 28.06, CI is valued rather cheaply.
Industry RankSector Rank
PE 9.39
Fwd PE 8.97
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

  • Based on the Enterprise Value to EBITDA ratio, CI is valued a bit cheaper than 78.43% of the companies in the same industry.
  • CI's Price/Free Cash Flow ratio is rather cheap when compared to the industry. CI is cheaper than 83.33% of the companies in the same industry.
Industry RankSector Rank
P/FCF 9.93
EV/EBITDA 8.02
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)1.98
PEG (5Y)0.93
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 2.17%. 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 94.12% of the companies listed in the same industry.
  • CI's Dividend Yield is comparable with the S&P500 average which is at 1.85.
Industry RankSector Rank
Dividend Yield 2.17%

5.2 History

  • On average, the dividend of CI grows each year by 169.26%, 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 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 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 (2/20/2026, 8:23:18 PM)

After market: 280.31 0 (0%)

280.31

-5.61 (-1.96%)

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 Change1.24%
Ins Owners0.33%
Ins Owner Change0.28%
Market Cap73.85B
Revenue(TTM)N/A
Net Income(TTM)6.15B
Analysts82.42
Price Target333.92 (19.13%)
Short Float %1.78%
Short Ratio2.73
Dividend
Industry RankSector 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)0.57%
PT rev (3m)-9.42%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-0.39%
EPS NY rev (1m)0%
EPS NY rev (3m)0.14%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.25%
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.27%
Valuation
Industry RankSector Rank
PE 9.39
Fwd PE 8.97
P/S 0.28
P/FCF 9.93
P/OCF 8.52
P/B 1.77
P/tB N/A
EV/EBITDA 8.02
EPS(TTM)29.85
EY10.65%
EPS(NY)31.27
Fwd EY11.15%
FCF(TTM)28.23
FCFY10.07%
OCF(TTM)32.89
OCFY11.73%
SpS1017.52
BVpS158.68
TBVpS-121.82
PEG (NY)1.98
PEG (5Y)0.93
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
WACC8.11%
ROIC/WACC1.02
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 Year4.77%
Revenue Next 2Y5.39%
Revenue Next 3Y5.43%
Revenue Next 5Y4.58%
EBIT growth 1Y0.13%
EBIT growth 3Y5.54%
EBIT growth 5Y1.75%
EBIT Next Year22.74%
EBIT Next 3Y9.3%
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.