THE CIGNA GROUP (CGN.DE) Fundamental Analysis & Valuation

FRA:CGN • US1255231003

Current stock price

231.55 EUR
+7.45 (+3.32%)
Last:

This CGN.DE fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

5

1. CGN.DE Profitability Analysis

1.1 Basic Checks

  • In the past year CGN was profitable.
  • In the past year CGN had a positive cash flow from operations.
  • In the past 5 years CGN has always been profitable.
  • CGN had a positive operating cash flow in each of the past 5 years.
CGN.DE Yearly Net Income VS EBIT VS OCF VS FCFCGN.DE 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 2025 2B 4B 6B 8B 10B

1.2 Ratios

  • CGN has a better Return On Assets (3.77%) than 72.73% of its industry peers.
  • CGN has a Return On Equity of 14.28%. This is amongst the best in the industry. CGN outperforms 87.88% of its industry peers.
  • CGN has a Return On Invested Capital of 7.70%. This is amongst the best in the industry. CGN outperforms 81.82% of its industry peers.
  • The Average Return On Invested Capital over the past 3 years for CGN is in line with the industry average of 6.44%.
  • The last Return On Invested Capital (7.70%) for CGN is above the 3 year average (7.24%), which is a sign of increasing profitability.
Industry RankSector Rank
ROA 3.77%
ROE 14.28%
ROIC 7.7%
ROA(3y)3.12%
ROA(5y)3.49%
ROE(3y)11.27%
ROE(5y)12.03%
ROIC(3y)7.24%
ROIC(5y)6.72%
CGN.DE Yearly ROA, ROE, ROICCGN.DE Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15

1.3 Margins

  • CGN has a Profit Margin (2.17%) which is in line with its industry peers.
  • In the last couple of years the Profit Margin of CGN has declined.
  • Looking at the Operating Margin, with a value of 3.73%, CGN is doing worse than 60.61% of the companies in the same industry.
  • CGN's Operating Margin has declined in the last couple of years.
  • With a Gross Margin value of 9.30%, CGN is not doing good in the industry: 69.70% of the companies in the same industry are doing better.
  • In the last couple of years the Gross Margin of CGN has declined.
Industry RankSector Rank
OM 3.73%
PM (TTM) 2.17%
GM 9.3%
OM growth 3Y-7.61%
OM growth 5Y-6.64%
PM growth 3Y-16.29%
PM growth 5Y-16.31%
GM growth 3Y-10.58%
GM growth 5Y-9.1%
CGN.DE Yearly Profit, Operating, Gross MarginsCGN.DE Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30

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5

2. CGN.DE Health Analysis

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), CGN is destroying value.
  • Compared to 1 year ago, CGN has less shares outstanding
  • The number of shares outstanding for CGN has been reduced compared to 5 years ago.
  • CGN has a better debt/assets ratio than last year.
CGN.DE Yearly Shares OutstandingCGN.DE Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M
CGN.DE Yearly Total Debt VS Total AssetsCGN.DE Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50B 100B 150B

2.2 Solvency

  • An Altman-Z score of 2.68 indicates that CGN is not a great score, but indicates only limited risk for bankruptcy at the moment.
  • CGN has a better Altman-Z score (2.68) than 75.76% of its industry peers.
  • The Debt to FCF ratio of CGN is 3.75, which is a good value as it means it would take CGN, 3.75 years of fcf income to pay off all of its debts.
  • With an excellent Debt to FCF ratio value of 3.75, CGN belongs to the best of the industry, outperforming 90.91% of the companies in the same industry.
  • CGN has a Debt/Equity ratio of 0.74. This is a neutral value indicating CGN is somewhat dependend on debt financing.
  • Looking at the Debt to Equity ratio, with a value of 0.74, CGN is in the better half of the industry, outperforming 63.64% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.74
Debt/FCF 3.75
Altman-Z 2.68
ROIC/WACC1
WACC7.71%
CGN.DE Yearly LT Debt VS Equity VS FCFCGN.DE Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10B 20B 30B 40B 50B

2.3 Liquidity

  • A Current Ratio of 0.85 indicates that CGN may have some problems paying its short term obligations.
  • Looking at the Current ratio, with a value of 0.85, CGN is in line with its industry, outperforming 42.42% of the companies in the same industry.
  • CGN has a Quick Ratio of 0.85. This is a bad value and indicates that CGN is not financially healthy enough and could expect problems in meeting its short term obligations.
  • CGN's Quick ratio of 0.72 is in line compared to the rest of the industry. CGN outperforms 48.48% of its industry peers.
Industry RankSector Rank
Current Ratio 0.85
Quick Ratio 0.72
CGN.DE Yearly Current Assets VS Current LiabilitesCGN.DE Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10B 20B 30B 40B 50B

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5

3. CGN.DE Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an nice 9.18% over the past year.
  • CGN shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 10.14% yearly.
  • CGN shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 11.24%.
  • Measured over the past years, CGN shows a quite strong growth in Revenue. The Revenue has been growing by 11.40% on average per year.
EPS 1Y (TTM)9.18%
EPS 3Y8.72%
EPS 5Y10.14%
EPS Q2Q%21.69%
Revenue 1Y (TTM)11.24%
Revenue growth 3Y15.05%
Revenue growth 5Y11.4%
Sales Q2Q%10.39%

3.2 Future

  • CGN is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 9.44% yearly.
  • Based on estimates for the next years, CGN will show a small growth in Revenue. The Revenue will grow by 4.58% on average per year.
EPS Next Y4.65%
EPS Next 2Y7.35%
EPS Next 3Y8.59%
EPS Next 5Y9.44%
Revenue Next Year4.17%
Revenue Next 2Y5.04%
Revenue Next 3Y5.11%
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.
  • The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
CGN.DE Yearly Revenue VS EstimatesCGN.DE Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2017 2019 2021 2023 2025 2027 2029 2031 2033 100B 200B 300B
CGN.DE Yearly EPS VS EstimatesCGN.DE Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2017 2019 2021 2023 2025 2027 2029 2031 2033 20 40 60

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6

4. CGN.DE Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 8.90, the valuation of CGN can be described as reasonable.
  • Based on the Price/Earnings ratio, CGN is valued cheaper than 96.97% of the companies in the same industry.
  • The average S&P500 Price/Earnings ratio is at 25.71. CGN is valued rather cheaply when compared to this.
  • CGN is valuated reasonably with a Price/Forward Earnings ratio of 8.51.
  • 96.97% of the companies in the same industry are more expensive than CGN, based on the Price/Forward Earnings ratio.
  • CGN is valuated cheaply when we compare the Price/Forward Earnings ratio to 23.83, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 8.9
Fwd PE 8.51
CGN.DE Price Earnings VS Forward Price EarningsCGN.DE Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of CGN indicates a rather cheap valuation: CGN is cheaper than 81.82% of the companies listed in the same industry.
  • Based on the Price/Free Cash Flow ratio, CGN is valued a bit cheaper than the industry average as 69.70% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 8.35
EV/EBITDA 7.04
CGN.DE Per share dataCGN.DE EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 200 400 600 800

4.3 Compensation for Growth

  • The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates CGN does not grow enough to justify the current Price/Earnings ratio.
PEG (NY)1.92
PEG (5Y)0.88
EPS Next 2Y7.35%
EPS Next 3Y8.59%

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6

5. CGN.DE Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 2.35%, CGN has a reasonable but not impressive dividend return.
  • Compared to an average industry Dividend Yield of 1.69, CGN pays a bit more dividend than its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.91, CGN pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 2.35%

5.2 History

  • The dividend of CGN is nicely growing with an annual growth rate of 170.91%!
Dividend Growth(5Y)170.91%
Div Incr Years0
Div Non Decr Years0
CGN.DE Yearly Dividends per shareCGN.DE Yearly Dividends per shareYearly Dividends per share 2020 2021 2022 2023 2025 2026 1 2 3 4

5.3 Sustainability

  • CGN pays out 27.04% of its income as dividend. This is a sustainable payout ratio.
  • The dividend of CGN is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP27.04%
EPS Next 2Y7.35%
EPS Next 3Y8.59%
CGN.DE Yearly Income VS Free CF VS DividendCGN.DE Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2B 4B 6B 8B 10B
CGN.DE Dividend Payout.CGN.DE Dividend Payout, showing the Payout Ratio.CGN.DE Dividend Payout.PayoutRetained Earnings

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CGN.DE Fundamentals: All Metrics, Ratios and Statistics

THE CIGNA GROUP

FRA:CGN (3/12/2026, 7:00:00 PM)

231.55

+7.45 (+3.32%)

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 Owners91.11%
Inst Owner ChangeN/A
Ins Owners0.34%
Ins Owner ChangeN/A
Market Cap61.02B
Revenue(TTM)274.90B
Net Income(TTM)5.96B
Analysts82.42
Price Target286.49 (23.73%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 2.35%
Yearly Dividend5.23
Dividend Growth(5Y)170.91%
DP27.04%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-0.5%
Min EPS beat(2)-0.6%
Max EPS beat(2)-0.41%
EPS beat(4)1
Avg EPS beat(4)-0.06%
Min EPS beat(4)-2.29%
Max EPS beat(4)3.05%
EPS beat(8)4
Avg EPS beat(8)-1.73%
EPS beat(12)6
Avg EPS beat(12)-1.25%
EPS beat(16)9
Avg EPS beat(16)0.59%
Revenue beat(2)2
Avg Revenue beat(2)0.83%
Min Revenue beat(2)0.76%
Max Revenue beat(2)0.9%
Revenue beat(4)4
Avg Revenue beat(4)2.85%
Min Revenue beat(4)0.76%
Max Revenue beat(4)5.31%
Revenue beat(8)7
Avg Revenue beat(8)1.91%
Revenue beat(12)8
Avg Revenue beat(12)1.2%
Revenue beat(16)8
Avg Revenue beat(16)0.42%
PT rev (1m)1.47%
PT rev (3m)-1.05%
EPS NQ rev (1m)1.6%
EPS NQ rev (3m)5.21%
EPS NY rev (1m)-0.09%
EPS NY rev (3m)-0.63%
Revenue NQ rev (1m)-0.66%
Revenue NQ rev (3m)-1.04%
Revenue NY rev (1m)-0.57%
Revenue NY rev (3m)-0.33%
Valuation
Industry RankSector Rank
PE 8.9
Fwd PE 8.51
P/S 0.25
P/FCF 8.35
P/OCF 7.29
P/B 1.68
P/tB N/A
EV/EBITDA 7.04
EPS(TTM)26.01
EY11.23%
EPS(NY)27.22
Fwd EY11.76%
FCF(TTM)27.74
FCFY11.98%
OCF(TTM)31.75
OCFY13.71%
SpS908.98
BVpS137.93
TBVpS-105.05
PEG (NY)1.92
PEG (5Y)0.88
Graham Number284.11
Profitability
Industry RankSector Rank
ROA 3.77%
ROE 14.28%
ROCE 10.1%
ROIC 7.7%
ROICexc 8.43%
ROICexgc 40.41%
OM 3.73%
PM (TTM) 2.17%
GM 9.3%
FCFM 3.05%
ROA(3y)3.12%
ROA(5y)3.49%
ROE(3y)11.27%
ROE(5y)12.03%
ROIC(3y)7.24%
ROIC(5y)6.72%
ROICexc(3y)7.91%
ROICexc(5y)7.28%
ROICexgc(3y)38.88%
ROICexgc(5y)35.34%
ROCE(3y)9.56%
ROCE(5y)8.88%
ROICexgc growth 3Y2.83%
ROICexgc growth 5Y12.85%
ROICexc growth 3Y7.42%
ROICexc growth 5Y7.38%
OM growth 3Y-7.61%
OM growth 5Y-6.64%
PM growth 3Y-16.29%
PM growth 5Y-16.31%
GM growth 3Y-10.58%
GM growth 5Y-9.1%
F-Score7
Asset Turnover1.74
Health
Industry RankSector Rank
Debt/Equity 0.74
Debt/FCF 3.75
Debt/EBITDA 2.37
Cap/Depr 43.68%
Cap/Sales 0.44%
Interest Coverage 7.6
Cash Conversion 73.66%
Profit Quality 140.83%
Current Ratio 0.85
Quick Ratio 0.72
Altman-Z 2.68
F-Score7
WACC7.71%
ROIC/WACC1
Cap/Depr(3y)48.72%
Cap/Depr(5y)45.95%
Cap/Sales(3y)0.61%
Cap/Sales(5y)0.64%
Profit Quality(3y)199.99%
Profit Quality(5y)164.58%
High Growth Momentum
Growth
EPS 1Y (TTM)9.18%
EPS 3Y8.72%
EPS 5Y10.14%
EPS Q2Q%21.69%
EPS Next Y4.65%
EPS Next 2Y7.35%
EPS Next 3Y8.59%
EPS Next 5Y9.44%
Revenue 1Y (TTM)11.24%
Revenue growth 3Y15.05%
Revenue growth 5Y11.4%
Sales Q2Q%10.39%
Revenue Next Year4.17%
Revenue Next 2Y5.04%
Revenue Next 3Y5.11%
Revenue Next 5Y4.58%
EBIT growth 1Y5.85%
EBIT growth 3Y6.29%
EBIT growth 5Y4%
EBIT Next Year30.97%
EBIT Next 3Y13.53%
EBIT Next 5Y8.92%
FCF growth 1Y-6.34%
FCF growth 3Y4.45%
FCF growth 5Y-1.95%
OCF growth 1Y-7.35%
OCF growth 3Y3.51%
OCF growth 5Y-1.49%

THE CIGNA GROUP / CGN.DE Fundamental Analysis FAQ

What is the ChartMill fundamental rating of THE CIGNA GROUP (CGN.DE) stock?

ChartMill assigns a fundamental rating of 5 / 10 to CGN.DE.


What is the valuation status for CGN stock?

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


How profitable is THE CIGNA GROUP (CGN.DE) stock?

THE CIGNA GROUP (CGN.DE) has a profitability rating of 5 / 10.


Can you provide the financial health for CGN stock?

The financial health rating of THE CIGNA GROUP (CGN.DE) is 5 / 10.


Is the dividend of THE CIGNA GROUP sustainable?

The dividend rating of THE CIGNA GROUP (CGN.DE) is 6 / 10 and the dividend payout ratio is 27.04%.