THE CIGNA GROUP (CI) Stock Fundamental Analysis

NYSE:CI • US1255231003

287.61 USD
-7.12 (-2.42%)
At close: Feb 12, 2026
287.61 USD
0 (0%)
After Hours: 2/12/2026, 8:04:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

4

We assign a fundamental rating of 4 out of 10 to CI. CI was compared to 102 industry peers in the Health Care Providers & Services industry. While CI is still in line with the averages on profitability rating, there are concerns on its financial health. CI is valued correctly, but it does not seem to be growing. Finally CI also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

5

1. Profitability

1.1 Basic Checks

  • In the past year CI was profitable.
  • In the past year CI had a positive cash flow from operations.
  • Of the past 5 years CI 4 years were profitable.
  • Of the past 5 years CI 4 years had a positive operating cash flow.
CI Yearly Net Income VS EBIT VS OCF VS FCFCI 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

  • 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.
  • The Return On Equity of CI (14.70%) is better than 82.35% of its industry peers.
  • With a decent Return On Invested Capital value of 8.31%, CI is doing good in the industry, outperforming 75.49% of the companies in the same industry.
  • CI had an Average Return On Invested Capital over the past 3 years of 7.53%. This is in line with the industry average of 9.04%.
  • The 3 year average ROIC (7.53%) for CI 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%
CI Yearly ROA, ROE, ROICCI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15

1.3 Margins

  • CI has a Profit Margin of 2.29%. This is in the better half of the industry: CI outperforms 61.76% of its industry peers.
  • CI's Profit Margin has declined in the last couple of years.
  • CI has a Operating Margin of 3.72%. This is comparable to the rest of the industry: CI outperforms 57.84% of its industry peers.
  • In the last couple of years the Operating Margin of CI has declined.
  • With a Gross Margin value of 9.55%, CI is not doing good in the industry: 74.51% of the companies in the same industry are doing better.
  • In the last couple of years the Gross Margin of CI has declined.
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%
CI Yearly Profit, Operating, Gross MarginsCI 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

3

2. Health

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), CI is destroying value.
  • CI has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
CI Yearly Shares OutstandingCI Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M
CI Yearly Total Debt VS Total AssetsCI 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 2.65 indicates that CI is not a great score, but indicates only limited risk for bankruptcy at the moment.
  • Looking at the Altman-Z score, with a value of 2.65, CI is in line with its industry, outperforming 56.86% of the companies in the same industry.
  • The Debt to FCF ratio of CI is 4.58, which is a neutral value as it means it would take CI, 4.58 years of fcf income to pay off all of its debts.
  • CI has a better Debt to FCF ratio (4.58) than 67.65% of its industry peers.
  • CI has a Debt/Equity ratio of 0.74. This is a neutral value indicating CI is somewhat dependend on debt financing.
  • The Debt to Equity ratio of CI (0.74) is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 0.74
Debt/FCF 4.58
Altman-Z 2.65
ROIC/WACC0.99
WACC8.42%
CI Yearly LT Debt VS Equity VS FCFCI 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

  • CI has a Current Ratio of 0.83. This is a bad value and indicates that CI is not financially healthy enough and could expect problems in meeting its short term obligations.
  • Looking at the Current ratio, with a value of 0.83, CI is doing worse than 82.35% of the companies in the same industry.
  • A Quick Ratio of 0.73 indicates that CI may have some problems paying its short term obligations.
  • Looking at the Quick ratio, with a value of 0.73, CI is doing worse than 78.43% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 0.83
Quick Ratio 0.73
CI Yearly Current Assets VS Current LiabilitesCI 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

3

3. Growth

3.1 Past

  • CI shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 9.18%, which is quite good.
  • The Earnings Per Share has been growing by 10.14% on average over the past years. This is quite good.
EPS 1Y (TTM)9.18%
EPS 3Y8.72%
EPS 5Y10.14%
EPS Q2Q%21.69%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%10.39%

3.2 Future

  • Based on estimates for the next years, CI will show a quite strong growth in Earnings Per Share. The EPS will grow by 9.31% on average per year.
  • The Revenue is expected to grow by 4.58% on average over the next years.
EPS Next Y4.75%
EPS Next 2Y7.51%
EPS Next 3Y9.25%
EPS Next 5Y9.31%
Revenue Next Year4.77%
Revenue Next 2Y5.39%
Revenue Next 3Y5.43%
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.
CI Yearly Revenue VS EstimatesCI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2017 2019 2021 2023 2025 2027 2029 2031 2033 100B 200B 300B
CI Yearly EPS VS EstimatesCI 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

6

4. Valuation

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 9.64, which indicates a very decent valuation of CI.
  • Compared to the rest of the industry, the Price/Earnings ratio of CI indicates a rather cheap valuation: CI is cheaper than 94.12% of the companies listed in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 27.67, CI is valued rather cheaply.
  • With a Price/Forward Earnings ratio of 9.20, the valuation of CI can be described as very reasonable.
  • Based on the Price/Forward Earnings ratio, CI is valued cheaper than 92.16% of the companies in the same industry.
  • CI's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.69.
Industry RankSector Rank
PE 9.64
Fwd PE 9.2
CI Price Earnings VS Forward Price EarningsCI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • 78.43% of the companies in the same industry are more expensive than CI, based on the Enterprise Value to EBITDA ratio.
  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of CI indicates a rather cheap valuation: CI is cheaper than 82.35% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 10.19
EV/EBITDA 8.2
CI Per share dataCI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 200 400 600 800 1K

4.3 Compensation for Growth

  • The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
PEG (NY)2.03
PEG (5Y)0.95
EPS Next 2Y7.51%
EPS Next 3Y9.25%

More info and screens

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

7

5. Dividend

5.1 Amount

  • CI has a Yearly Dividend Yield of 2.12%.
  • Compared to an average industry Dividend Yield of 0.48, CI pays a better dividend. On top of this CI pays more dividend than 93.14% of the companies listed in the same industry.
  • CI's Dividend Yield is comparable with the S&P500 average which is at 1.80.
Industry RankSector Rank
Dividend Yield 2.12%

5.2 History

  • On average, the dividend of CI grows each year by 169.26%, which is quite nice.
  • CI has paid a dividend for at least 10 years, which is 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
CI Yearly Dividends per shareCI Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6

5.3 Sustainability

  • CI pays out 26.01% of its income as dividend. This is a sustainable payout ratio.
  • CI's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP26.01%
EPS Next 2Y7.51%
EPS Next 3Y9.25%
CI Yearly Income VS Free CF VS DividendCI 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
CI Dividend Payout.CI Dividend Payout, showing the Payout Ratio.CI Dividend Payout.PayoutRetained Earnings

More info and screens

Find the best dividend stocksShow peers with best dividend

THE CIGNA GROUP

NYSE:CI (2/12/2026, 8:04:00 PM)

After market: 287.61 0 (0%)

287.61

-7.12 (-2.42%)

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 Owners90.65%
Inst Owner Change-0.32%
Ins Owners0.33%
Ins Owner Change-0.04%
Market Cap75.77B
Revenue(TTM)N/A
Net Income(TTM)6.15B
Analysts82.42
Price Target333.92 (16.1%)
Short Float %1.81%
Short Ratio3.01
Dividend
Industry RankSector Rank
Dividend Yield 2.12%
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)0.57%
PT rev (3m)-9.42%
EPS NQ rev (1m)-0.02%
EPS NQ rev (3m)-2.22%
EPS NY rev (1m)-0.01%
EPS NY rev (3m)0.06%
Revenue NQ rev (1m)0.21%
Revenue NQ rev (3m)2.52%
Revenue NY rev (1m)0.06%
Revenue NY rev (3m)1.56%
Valuation
Industry RankSector Rank
PE 9.64
Fwd PE 9.2
P/S 0.28
P/FCF 10.19
P/OCF 8.75
P/B 1.81
P/tB N/A
EV/EBITDA 8.2
EPS(TTM)29.85
EY10.38%
EPS(NY)31.27
Fwd EY10.87%
FCF(TTM)28.23
FCFY9.81%
OCF(TTM)32.89
OCFY11.43%
SpS1017.52
BVpS158.68
TBVpS-121.82
PEG (NY)2.03
PEG (5Y)0.95
Graham Number326.45
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 2.65
F-Score6
WACC8.42%
ROIC/WACC0.99
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)9.18%
EPS 3Y8.72%
EPS 5Y10.14%
EPS Q2Q%21.69%
EPS Next Y4.75%
EPS Next 2Y7.51%
EPS Next 3Y9.25%
EPS Next 5Y9.31%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%10.39%
Revenue Next Year4.77%
Revenue Next 2Y5.39%
Revenue Next 3Y5.43%
Revenue Next 5Y4.58%
EBIT growth 1Y0.13%
EBIT growth 3Y5.54%
EBIT growth 5Y1.75%
EBIT Next Year22.74%
EBIT Next 3Y9.3%
EBIT Next 5Y6.54%
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 4 / 10 to CI.


What is the valuation status of THE CIGNA GROUP (CI) stock?

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


How profitable is THE CIGNA GROUP (CI) stock?

THE CIGNA GROUP (CI) has a profitability rating of 5 / 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 4.75% in the next year.