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

  • In the past year 1CI was profitable.
  • 1CI had a positive operating cash flow in the past year.
  • In the past 5 years 1CI has always been profitable.
  • In the past 5 years 1CI always reported a positive cash flow from operatings.
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

  • With a decent Return On Assets value of 3.89%, 1CI is doing good in the industry, outperforming 76.67% of the companies in the same industry.
  • 1CI's Return On Equity of 14.70% is fine compared to the rest 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.
  • The Average Return On Invested Capital over the past 3 years for 1CI is in line with the industry average of 5.91%.
  • The last Return On Invested Capital (8.31%) for 1CI 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%
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

  • 1CI has a Profit Margin (2.29%) which is comparable to the rest of the industry.
  • In the last couple of years the Profit Margin of 1CI has declined.
  • With a Operating Margin value of 3.72%, 1CI perfoms like the industry average, outperforming 50.00% of the companies in the same 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.
  • 1CI has less shares outstanding than it did 1 year ago.
  • Compared to 5 years ago, 1CI has less shares outstanding
  • 1CI has a worse debt/assets ratio than last year.
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.
  • 1CI has a Altman-Z score of 2.63. This is in the better half of the industry: 1CI outperforms 66.67% of its industry peers.
  • 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.
  • Looking at the Debt to Equity ratio, with a value of 0.74, 1CI is in the better half of the industry, outperforming 73.33% of the companies in the same industry.
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

  • 1CI has a Current Ratio of 0.83. This is a bad value and indicates that 1CI is not financially healthy enough and could expect problems in meeting its short term obligations.
  • 1CI has a Current ratio of 0.83. This is in the lower half of the industry: 1CI underperforms 63.33% of its industry peers.
  • A Quick Ratio of 0.73 indicates that 1CI may have some problems paying its short term obligations.
  • 1CI has a Quick ratio (0.73) which is in line with its industry peers.
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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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%.
  • Measured over the past years, 1CI 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

  • The Earnings Per Share is expected to grow by 8.86% on average over the next years. This is quite good.
  • 1CI is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 5.58% yearly.
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

  • A Price/Earnings ratio of 9.69 indicates a reasonable valuation of 1CI.
  • Based on the Price/Earnings ratio, 1CI is valued cheaply inside the industry as 96.67% of the companies are valued more expensively.
  • When comparing the Price/Earnings ratio of 1CI to the average of the S&P500 Index (25.54), we can say 1CI is valued rather cheaply.
  • A Price/Forward Earnings ratio of 8.79 indicates a reasonable valuation of 1CI.
  • Based on the Price/Forward Earnings ratio, 1CI is valued cheaply inside the industry as 93.33% of the companies are valued more expensively.
  • 1CI is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.70, which is the current average of the S&P500 Index.
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 10 20 30

4.2 Price Multiples

  • Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of 1CI indicates a somewhat cheap valuation: 1CI is cheaper than 80.00% of the companies listed in the same industry.
  • Based on the Price/Free Cash Flow ratio, 1CI is valued a bit cheaper than the industry average as 73.33% of the companies are valued more expensively.
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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5

5. 1CI.MI Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 2.15%, 1CI has a reasonable but not impressive dividend return.
  • 1CI's Dividend Yield is a higher than the industry average which is at 1.96.
  • Compared to an average S&P500 Dividend Yield of 1.89, 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
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
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.


How profitable is THE CIGNA GROUP (1CI.MI) stock?

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


Can you provide the financial health for 1CI stock?

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


Is the dividend of THE CIGNA GROUP sustainable?

The dividend rating of THE CIGNA GROUP (1CI.MI) is 4 / 10 and the dividend payout ratio is 26.01%.