THE CIGNA GROUP (CGN.DE) Stock Fundamental Analysis

Europe • Frankfurt Stock Exchange • FRA:CGN • US1255231003

231.65 EUR
-6.2 (-2.61%)
Last: Feb 5, 2026, 07:00 PM
Fundamental Rating

6

CGN gets a fundamental rating of 6 out of 10. The analysis compared the fundamentals against 33 industry peers in the Health Care Providers & Services industry. CGN has only an average score on both its financial health and profitability. CGN may be a bit undervalued, certainly considering the very reasonable score on growth These ratings would make CGN suitable for value investing!


Dividend Valuation Growth Profitability Health

6

1. Profitability

1.1 Basic Checks

  • CGN had positive earnings in the past year.
  • In the past year CGN had a positive cash flow from operations.
  • CGN had positive earnings in each of the past 5 years.
  • 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 2B 4B 6B 8B 10B

1.2 Ratios

  • CGN has a better Return On Assets (3.89%) than 75.76% of its industry peers.
  • CGN's Return On Equity of 14.70% is amongst the best of the industry. CGN outperforms 84.85% of its industry peers.
  • The Return On Invested Capital of CGN (8.31%) is better than 84.85% 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 5.90%.
  • The 3 year average ROIC (7.53%) for CGN 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%
CGN.DE Yearly ROA, ROE, ROICCGN.DE Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15

1.3 Margins

  • With a Profit Margin value of 2.29%, CGN perfoms like the industry average, outperforming 51.52% of the companies in the same industry.
  • In the last couple of years the Profit Margin of CGN has declined.
  • CGN's Operating Margin of 3.72% is in line compared to the rest of the industry. CGN outperforms 45.45% of its industry peers.
  • CGN's Operating Margin has declined in the last couple of years.
  • With a Gross Margin value of 9.55%, CGN is not doing good in the industry: 72.73% of the companies in the same industry are doing better.
  • CGN'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%
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 10 20 30

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ROAROEROICOperating and Profit MarginShow most profitable peers

5

2. Health

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
  • Compared to 5 years ago, CGN has less shares outstanding
  • The debt/assets ratio for CGN is higher compared to a year ago.
CGN.DE Yearly Shares OutstandingCGN.DE Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 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 50B 100B 150B

2.2 Solvency

  • An Altman-Z score of 2.64 indicates that CGN is not a great score, but indicates only limited risk for bankruptcy at the moment.
  • The Altman-Z score of CGN (2.64) is better than 78.79% of its industry peers.
  • The Debt to FCF ratio of CGN is 4.58, which is a neutral value as it means it would take CGN, 4.58 years of fcf income to pay off all of its debts.
  • CGN has a Debt to FCF ratio of 4.58. This is amongst the best in the industry. CGN outperforms 93.94% of its industry peers.
  • A Debt/Equity ratio of 0.74 indicates that CGN is somewhat dependend on debt financing.
  • CGN has a better Debt to Equity ratio (0.74) than 60.61% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.74
Debt/FCF 4.58
Altman-Z 2.64
ROIC/WACC0.98
WACC8.44%
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 10B 20B 30B 40B 50B

2.3 Liquidity

  • CGN has a Current Ratio of 0.83. This is a bad value and indicates that CGN is not financially healthy enough and could expect problems in meeting its short term obligations.
  • With a Current ratio value of 0.83, CGN perfoms like the industry average, outperforming 42.42% of the companies in the same industry.
  • A Quick Ratio of 0.73 indicates that CGN may have some problems paying its short term obligations.
  • CGN has a Quick ratio (0.73) which is comparable to the rest of the industry.
Industry RankSector Rank
Current Ratio 0.83
Quick Ratio 0.73
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 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. Growth

3.1 Past

  • CGN shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 3.35%.
  • CGN shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 10.05% yearly.
  • Looking at the last year, CGN shows a quite strong growth in Revenue. The Revenue has grown by 15.26% in the last year.
  • CGN 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.
  • CGN 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.
  • 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.
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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Find the best growth stocksShow best growing peers

7

4. Valuation

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 9.64, the valuation of CGN can be described as reasonable.
  • 90.91% of the companies in the same industry are more expensive than CGN, based on the Price/Earnings ratio.
  • The average S&P500 Price/Earnings ratio is at 27.67. CGN is valued rather cheaply when compared to this.
  • CGN is valuated reasonably with a Price/Forward Earnings ratio of 8.74.
  • Based on the Price/Forward Earnings ratio, CGN is valued cheaply inside the industry as 90.91% of the companies are valued more expensively.
  • CGN's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.20.
Industry RankSector Rank
PE 9.64
Fwd PE 8.74
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

  • Based on the Enterprise Value to EBITDA ratio, CGN is valued a bit cheaper than 72.73% of the companies in the same industry.
  • Based on the Price/Free Cash Flow ratio, CGN is valued a bit cheaper than 75.76% of the companies in the same industry.
Industry RankSector Rank
P/FCF 9.84
EV/EBITDA 8
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 low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • CGN has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)0.83
PEG (5Y)0.96
EPS Next 2Y7.03%
EPS Next 3Y8.01%

More info and screens

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

6

5. Dividend

5.1 Amount

  • CGN has a Yearly Dividend Yield of 2.23%. Purely for dividend investing, there may be better candidates out there.
  • Compared to an average industry Dividend Yield of 1.60, CGN pays a bit more dividend than its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.82, CGN pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 2.23%

5.2 History

  • The dividend of CGN is nicely growing with an annual growth rate of 169.26%!
Dividend Growth(5Y)169.26%
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 1 2 3 4

5.3 Sustainability

  • CGN pays out 26.01% 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.
DP26.01%
EPS Next 2Y7.03%
EPS Next 3Y8.01%
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 2B 4B 6B 8B 10B
CGN.DE Dividend Payout.CGN.DE Dividend Payout, showing the Payout Ratio.CGN.DE Dividend Payout.PayoutRetained Earnings

More info and screens

Find the best dividend stocksShow peers with best dividend

THE CIGNA GROUP

FRA:CGN (2/5/2026, 7:00:00 PM)

231.65

-6.2 (-2.61%)

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 Cap61.88B
Revenue(TTM)268.08B
Net Income(TTM)6.15B
Analysts82.42
Price Target286.44 (23.65%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 2.23%
Yearly Dividend4.64
Dividend Growth(5Y)169.26%
DP26.01%
Div Incr Years0
Div Non Decr Years0
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)0%
PT rev (3m)-11.86%
EPS NQ rev (1m)-0.02%
EPS NQ rev (3m)-7.98%
EPS NY rev (1m)-0.01%
EPS NY rev (3m)-6.92%
Revenue NQ rev (1m)0.21%
Revenue NQ rev (3m)14.67%
Revenue NY rev (1m)0.06%
Revenue NY rev (3m)11.66%
Valuation
Industry RankSector Rank
PE 9.64
Fwd PE 8.74
P/S 0.27
P/FCF 9.84
P/OCF 8.44
P/B 1.75
P/tB N/A
EV/EBITDA 8
EPS(TTM)24.04
EY10.38%
EPS(NY)26.5
Fwd EY11.44%
FCF(TTM)23.55
FCFY10.17%
OCF(TTM)27.44
OCFY11.85%
SpS849.02
BVpS132.4
TBVpS-101.64
PEG (NY)0.83
PEG (5Y)0.96
Graham Number267.61
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
WACC8.44%
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 / CGN.DE FAQ

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

ChartMill assigns a fundamental rating of 6 / 10 to CGN.DE.


What is the valuation status for CGN stock?

ChartMill assigns a valuation rating of 7 / 10 to THE CIGNA GROUP (CGN.DE). This can be considered as Undervalued.


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

THE CIGNA GROUP (CGN.DE) has a profitability rating of 6 / 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 26.01%.