THE CIGNA GROUP (1CI.MI) Fundamental Analysis & Valuation

BIT:1CI • US1255231003

Current stock price

234.45 EUR
-20.2 (-7.93%)
Last:

This 1CI.MI fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

5

1. 1CI.MI Profitability Analysis

1.1 Basic Checks

  • 1CI had positive earnings in the past year.
  • In the past year 1CI had a positive cash flow from operations.
  • 1CI had positive earnings in each of the past 5 years.
  • Each year in the past 5 years 1CI had a positive operating cash flow.
1CI.MI Yearly Net Income VS EBIT VS OCF VS FCF1CI.MI 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

  • The Return On Assets of 1CI (3.89%) is better than 76.67% of its industry peers.
  • 1CI has a Return On Equity of 14.70%. This is in the better half of the industry: 1CI outperforms 76.67% of its industry peers.
  • With an excellent Return On Invested Capital value of 8.31%, 1CI belongs to the best of the industry, outperforming 83.33% of the companies in the same industry.
  • 1CI had an Average Return On Invested Capital over the past 3 years of 7.53%. This is in line with the industry average of 5.74%.
  • The 3 year average ROIC (7.53%) for 1CI 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%
1CI.MI Yearly ROA, ROE, ROIC1CI.MI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15

1.3 Margins

  • Looking at the Profit Margin, with a value of 2.29%, 1CI is in line with its industry, outperforming 53.33% of the companies in the same industry.
  • In the last couple of years the Profit Margin of 1CI has declined.
  • The Operating Margin of 1CI (3.72%) is comparable to the rest of the industry.
  • In the last couple of years the Operating Margin of 1CI has declined.
  • The Gross Margin of 1CI (9.55%) is worse than 70.00% of its industry peers.
  • 1CI'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%
1CI.MI Yearly Profit, Operating, Gross Margins1CI.MI 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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4

2. 1CI.MI Health Analysis

2.1 Basic Checks

  • The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so 1CI is destroying value.
  • Compared to 1 year ago, 1CI has less shares outstanding
  • Compared to 5 years ago, 1CI has less shares outstanding
  • The debt/assets ratio for 1CI is higher compared to a year ago.
1CI.MI Yearly Shares Outstanding1CI.MI Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M
1CI.MI Yearly Total Debt VS Total Assets1CI.MI 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

  • 1CI has an Altman-Z score of 2.63. This is not the best score and indicates that 1CI is in the grey zone with still only limited risk for bankruptcy at the moment.
  • With a decent Altman-Z score value of 2.63, 1CI is doing good in the industry, outperforming 66.67% of the companies in the same industry.
  • The Debt to FCF ratio of 1CI is 4.58, which is a neutral value as it means it would take 1CI, 4.58 years of fcf income to pay off all of its debts.
  • With an excellent Debt to FCF ratio value of 4.58, 1CI belongs to the best of the industry, outperforming 90.00% of the companies in the same industry.
  • A Debt/Equity ratio of 0.74 indicates that 1CI is somewhat dependend on debt financing.
  • 1CI's Debt to Equity ratio of 0.74 is fine compared to the rest of the industry. 1CI outperforms 73.33% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.74
Debt/FCF 4.58
Altman-Z 2.63
ROIC/WACC0.98
WACC8.45%
1CI.MI Yearly LT Debt VS Equity VS FCF1CI.MI 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 1CI may have some problems paying its short term obligations.
  • Looking at the Current ratio, with a value of 0.83, 1CI is doing worse than 63.33% of the companies in the same industry.
  • A Quick Ratio of 0.73 indicates that 1CI may have some problems paying its short term obligations.
  • With a Quick ratio value of 0.73, 1CI perfoms like the industry average, outperforming 50.00% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 0.83
Quick Ratio 0.73
1CI.MI Yearly Current Assets VS Current Liabilites1CI.MI 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

5

3. 1CI.MI Growth Analysis

3.1 Past

  • The Earnings Per Share has been growing slightly by 3.35% over the past year.
  • 1CI shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 10.05% yearly.
  • 1CI shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 15.26%.
  • 1CI shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 9.98% yearly.
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

  • The Earnings Per Share is expected to grow by 8.86% on average over the next years. This is quite good.
  • 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 2Y7.86%
Revenue Next 3Y7.24%
Revenue Next 5Y5.58%

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.
1CI.MI Yearly Revenue VS Estimates1CI.MI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2017 2019 2021 2023 2025 2027 2029 2031 2033 100B 200B 300B
1CI.MI Yearly EPS VS Estimates1CI.MI 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. 1CI.MI Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 9.69, the valuation of 1CI can be described as very reasonable.
  • Based on the Price/Earnings ratio, 1CI is valued cheaply inside the industry as 96.67% of the companies are valued more expensively.
  • Compared to an average S&P500 Price/Earnings ratio of 26.64, 1CI is valued rather cheaply.
  • With a Price/Forward Earnings ratio of 8.79, the valuation of 1CI can be described as very reasonable.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of 1CI indicates a rather cheap valuation: 1CI is cheaper than 93.33% of the companies listed in the same industry.
  • 1CI's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 21.36.
Industry RankSector Rank
PE 9.69
Fwd PE 8.79
1CI.MI Price Earnings VS Forward Price Earnings1CI.MI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Based on the Enterprise Value to EBITDA ratio, 1CI is valued a bit cheaper than the industry average as 80.00% of the companies are valued more expensively.
  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of 1CI indicates a somewhat cheap valuation: 1CI is cheaper than 73.33% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 9.89
EV/EBITDA 7.88
1CI.MI Per share data1CI.MI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 200 400 600 800

4.3 Compensation for Growth

  • The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.83
PEG (5Y)0.96
EPS Next 2Y7.03%
EPS Next 3Y8.01%

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

5

5. 1CI.MI Dividend Analysis

5.1 Amount

  • 1CI has a Yearly Dividend Yield of 2.15%. Purely for dividend investing, there may be better candidates out there.
  • 1CI's Dividend Yield is a higher than the industry average which is at 1.69.
  • Compared to an average S&P500 Dividend Yield of 1.80, 1CI has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 2.15%

5.2 History

  • The dividend of 1CI is nicely growing with an annual growth rate of 169.26%!
Dividend Growth(5Y)169.26%
Div Incr YearsN/A
Div Non Decr YearsN/A

5.3 Sustainability

  • 1CI pays out 26.01% of its income as dividend. This is a sustainable payout ratio.
  • The dividend of 1CI 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%
1CI.MI Yearly Income VS Free CF VS Dividend1CI.MI 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
1CI.MI Dividend Payout.1CI.MI Dividend Payout, showing the Payout Ratio.1CI.MI Dividend Payout.PayoutRetained Earnings

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1CI.MI Fundamentals: All Metrics, Ratios and Statistics

THE CIGNA GROUP

BIT:1CI (1/13/2026, 7:00:00 PM)

234.45

-20.2 (-7.93%)

Chartmill FA Rating
GICS SectorHealth Care
GICS IndustryGroupHealth Care Equipment & Services
GICS IndustryHealth Care Providers & Services
Industry Strength49.07
Industry Growth86.34
Earnings (Last)10-30
Earnings (Next)02-05
Inst Owners90.65%
Inst Owner ChangeN/A
Ins Owners0.33%
Ins Owner ChangeN/A
Market Cap62.63B
Revenue(TTM)268.08B
Net Income(TTM)6.15B
Analysts82.42
Price Target282.88 (20.66%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 2.15%
Yearly Dividend4.71
Dividend Growth(5Y)169.26%
DP26.01%
Div Incr YearsN/A
Div Non Decr YearsN/A
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)0.9%
Revenue beat(16)8
Avg Revenue beat(16)0.45%
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)-2.22%
EPS NQ rev (3m)-2.22%
EPS NY rev (1m)0.06%
EPS NY rev (3m)0.06%
Revenue NQ rev (1m)2.51%
Revenue NQ rev (3m)2.51%
Revenue NY rev (1m)1.56%
Revenue NY rev (3m)1.56%
Valuation
Industry RankSector Rank
PE 9.69
Fwd PE 8.79
P/S 0.27
P/FCF 9.89
P/OCF 8.49
P/B 1.76
P/tB N/A
EV/EBITDA 7.88
EPS(TTM)24.2
EY10.32%
EPS(NY)26.67
Fwd EY11.38%
FCF(TTM)23.71
FCFY10.11%
OCF(TTM)27.62
OCFY11.78%
SpS854.66
BVpS133.28
TBVpS-102.32
PEG (NY)0.83
PEG (5Y)0.96
Graham Number269.39 (14.9%)
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 2.63
F-Score6
WACC8.45%
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 2Y7.86%
Revenue Next 3Y7.24%
Revenue Next 5Y5.58%
EBIT growth 1Y0.13%
EBIT growth 3Y5.54%
EBIT growth 5Y1.75%
EBIT Next Year22.74%
EBIT Next 3Y9.3%
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 / 1CI.MI Fundamental Analysis FAQ

Can you provide the ChartMill fundamental rating for THE CIGNA GROUP?

ChartMill assigns a fundamental rating of 5 / 10 to 1CI.MI.


What is the valuation status for 1CI stock?

ChartMill assigns a valuation rating of 6 / 10 to THE CIGNA GROUP (1CI.MI). This can be considered as Fairly Valued.


Can you provide the profitability details for THE CIGNA GROUP?

THE CIGNA GROUP (1CI.MI) has a profitability rating of 5 / 10.


How financially healthy is THE CIGNA GROUP?

The financial health rating of THE CIGNA GROUP (1CI.MI) is 4 / 10.


What is the earnings growth outlook for THE CIGNA GROUP?

The Earnings per Share (EPS) of THE CIGNA GROUP (1CI.MI) is expected to grow by 11.67% in the next year.