THE CIGNA GROUP (CI) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:CI - US1255231003 - Common Stock
274.91 USD
+3.67 (+1.35%)
274.91 USD
0 (0%)
CI gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 102 industry peers in the Health Care Providers & Services industry. There are concerns on the financial health of CI while its profitability can be described as average. A decent growth rate in combination with a cheap valuation! Better keep an eye on CI. CI also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
- CI had positive earnings in the past year.
- In the past year CI had a positive cash flow from operations.
- CI had positive earnings in each of the past 5 years.
- CI had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
- CI's Return On Assets of 3.89% is fine compared to the rest of the industry. CI outperforms 69.61% of its industry peers.
- CI's Return On Equity of 14.70% is amongst the best of the industry. CI outperforms 80.39% of its industry peers.
- With a decent Return On Invested Capital value of 8.31%, CI is doing good in the industry, outperforming 74.51% of the companies in the same industry.
- The Average Return On Invested Capital over the past 3 years for CI is in line with the industry average of 9.21%.
- The 3 year average ROIC (7.53%) for CI is below the current ROIC(8.31%), indicating increased profibility in the last year.
| Industry Rank | Sector 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%
1.3 Margins
- CI has a better Profit Margin (2.29%) 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 (3.72%) which is comparable to the rest of the industry.
- CI's Operating Margin has declined in the last couple of years.
- Looking at the Gross Margin, with a value of 9.55%, CI is doing worse than 74.51% of the companies in the same industry.
- CI's Gross Margin has declined in the last couple of years.
| Industry Rank | Sector 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%
2. Health
2.1 Basic Checks
- The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so CI is destroying value.
- Compared to 1 year ago, CI has less shares outstanding
- Compared to 5 years ago, CI has less shares outstanding
- The debt/assets ratio for CI is higher compared to a year ago.
2.2 Solvency
- An Altman-Z score of 2.63 indicates that CI is not a great score, but indicates only limited risk for bankruptcy at the moment.
- The Altman-Z score of CI (2.63) is comparable to the rest of the industry.
- CI has a debt to FCF ratio of 4.58. This is a neutral value as CI would need 4.58 years to pay back of all of its debts.
- CI has a better Debt to FCF ratio (4.58) than 68.63% of its industry peers.
- A Debt/Equity ratio of 0.74 indicates that CI is somewhat dependend on debt financing.
- CI's Debt to Equity ratio of 0.74 is in line compared to the rest of the industry. CI outperforms 50.98% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.74 | ||
| Debt/FCF | 4.58 | ||
| Altman-Z | 2.63 |
ROIC/WACC0.97
WACC8.54%
2.3 Liquidity
- A Current Ratio of 0.83 indicates that CI may have some problems paying its short term obligations.
- With a Current ratio value of 0.83, CI is not doing good in the industry: 82.35% of the companies in the same industry are doing better.
- A Quick Ratio of 0.73 indicates that CI may have some problems paying its short term obligations.
- CI has a worse Quick ratio (0.73) than 78.43% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.83 | ||
| Quick Ratio | 0.73 |
3. Growth
3.1 Past
- The Earnings Per Share has been growing slightly by 3.35% over the past year.
- The Earnings Per Share has been growing by 10.05% on average over the past years. This is quite good.
- Looking at the last year, CI shows a quite strong growth in Revenue. The Revenue has grown by 15.26% in the last year.
- The Revenue has been growing by 9.98% on average over the past years. This is quite good.
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.
- CI 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 2Y7.79%
Revenue Next 3Y7.23%
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.
4. Valuation
4.1 Price/Earnings Ratio
- With a Price/Earnings ratio of 9.68, the valuation of CI can be described as very reasonable.
- 94.12% of the companies in the same industry are more expensive than CI, based on the Price/Earnings ratio.
- CI's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.32.
- A Price/Forward Earnings ratio of 8.78 indicates a reasonable valuation of CI.
- 93.14% of the companies in the same industry are more expensive than CI, based on the Price/Forward Earnings ratio.
- When comparing the Price/Forward Earnings ratio of CI to the average of the S&P500 Index (24.30), we can say CI is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.68 | ||
| Fwd PE | 8.78 |
4.2 Price Multiples
- Based on the Enterprise Value to EBITDA ratio, CI is valued cheaper than 80.39% of the companies in the same industry.
- Based on the Price/Free Cash Flow ratio, CI is valued cheaper than 86.27% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 9.87 | ||
| EV/EBITDA | 7.87 |
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.
- CI 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%
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 2.17%, CI has a reasonable but not impressive dividend return.
- CI's Dividend Yield is rather good when compared to the industry average which is at 0.59. CI pays more dividend than 94.12% of the companies in the same industry.
- CI's Dividend Yield is comparable with the S&P500 average which is at 1.86.
| Industry Rank | Sector 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 its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)169.26%
Div Incr Years4
Div Non Decr Years19
5.3 Sustainability
- 26.01% of the earnings are spent on dividend by CI. This is a low number and sustainable payout ratio.
- CI's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP26.01%
EPS Next 2Y7.03%
EPS Next 3Y8.01%
274.91
+3.67 (+1.35%)
Chartmill FA Rating
GICS SectorHealth Care
GICS IndustryGroupHealth Care Equipment & Services
GICS IndustryHealth Care Providers & Services
Earnings (Last)10-30 2025-10-30/bmo
Earnings (Next)02-05 2026-02-05/amc
Inst Owners90.65%
Inst Owner Change0.06%
Ins Owners0.33%
Ins Owner Change-0.04%
Market Cap73.44B
Revenue(TTM)268.08B
Net Income(TTM)6.15B
Analysts82.42
Price Target333.39 (21.27%)
Short Float %1.79%
Short Ratio2.61
Dividend
| Industry Rank | Sector 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)-0.67%
PT rev (3m)-9.58%
EPS NQ rev (1m)-0.02%
EPS NQ rev (3m)-2.46%
EPS NY rev (1m)-0.01%
EPS NY rev (3m)-0.02%
Revenue NQ rev (1m)0.21%
Revenue NQ rev (3m)2.56%
Revenue NY rev (1m)0.06%
Revenue NY rev (3m)1.59%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.68 | ||
| Fwd PE | 8.78 | ||
| P/S | 0.27 | ||
| P/FCF | 9.87 | ||
| P/OCF | 8.48 | ||
| P/B | 1.76 | ||
| P/tB | N/A | ||
| EV/EBITDA | 7.87 |
EPS(TTM)28.41
EY10.33%
EPS(NY)31.32
Fwd EY11.39%
FCF(TTM)27.84
FCFY10.13%
OCF(TTM)32.43
OCFY11.8%
SpS1003.55
BVpS156.5
TBVpS-120.14
PEG (NY)0.83
PEG (5Y)0.96
Graham Number316.29
Profitability
| Industry Rank | Sector 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 Rank | Sector 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
WACC8.54%
ROIC/WACC0.97
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 2Y7.79%
Revenue Next 3Y7.23%
Revenue Next 5Y5.58%
EBIT growth 1Y0.13%
EBIT growth 3Y5.54%
EBIT growth 5Y1.75%
EBIT Next Year22.59%
EBIT Next 3Y9.56%
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 / CI FAQ
What is the fundamental rating for CI stock?
ChartMill assigns a fundamental rating of 5 / 10 to CI.
What is the valuation status of THE CIGNA GROUP (CI) stock?
ChartMill assigns a valuation rating of 8 / 10 to THE CIGNA GROUP (CI). This can be considered as Undervalued.
How profitable is THE CIGNA GROUP (CI) stock?
THE CIGNA GROUP (CI) has a profitability rating of 6 / 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 11.67% in the next year.