CI
Cigna
$280.94
▲ 2.1%Updated Aug 7, 11:30 AM ET
CI at a glance — five pillars scored 0–100 from real filed financials.
Overall: Favorable · 60/100. A wider, greener shape means more pillars look healthy. Dividends scores 0 when a company pays none — that is a choice, not a flaw.
▼ Down 11.2% over the last 12 months
Market Cap
$76.12B
P/E
11.81x
Forward P/E (est.)
9.05x
ROE
15.2%
Revenue Growth
8.8%
EPS Growth
30.5%
Profit Margin
2.3%
FCF Yield
9.7%
Debt / Equity
0.75x
ROIC
9.0%
Interest Coverage
—
Current Ratio
0.82x
Dividend Yield
2.1%
Implied Growth (rev. DCF)
—
Rating Score
60/100
Cigna (CI) is a large-cap company in the Health Care Services industry, part of the Health Care sector of the S&P 500, with a market value around $76.12B.
In its latest reported year it generated about $274.90B in revenue and $5.96B in net profit.
Our model rates CI Favorable (60/100) on growth, profitability, financial health, and valuation. The summary below is built from its filed financials and current ratios and refreshes automatically.
Evidence of durable competitive advantage in the filed financials (10 years of history).
Some durable-advantage evidence, but not across the board — dig into which ingredient is weak and whether it's cyclical or structural.
3.8% average over the last 3 years
±2.0 pts around 5.7% across 10 years
grew in 9 of the last 9 year-over-year periods
positive in 10 of 10 years
9.0% latest fiscal year
A moat can't be proven by numbers alone — this scores the evidence a durable advantage leaves behind (pricing power, consistency, returns on capital), computed the same way for every stock. Pair it with the business overview before concluding anything.
Technical analysis reads price and volume to judge momentum and timing. It complements the fundamentals above — it does not replace them. Here is what CI's chart says today, with each tool explained.
Trend — moving averages. A moving average is the average closing price over a window, which smooths out daily noise. CI trades near $280.94, around its 50-day average ($284.76) and 200-day average ($280.45). Price tangled in its moving averages means there is no clear trend — the stock is ranging.
Momentum — RSI. The Relative Strength Index runs 0–100 and measures how strong recent gains are versus losses. Above 70 is "overbought", below 30 "oversold". At 43 it is in neutral territory — neither stretched nor washed out.
MACD. MACD compares two moving averages to flag shifts in momentum. Its histogram is currently negative — short-term momentum is fading.
Volatility — ATR. Average True Range is the typical daily move. CI's is $6.68 (~2.4% of price), so swings of about that size each day are normal — handy for setting a stop that isn't too tight.
Support & resistance. Over the last month CI found buyers near $273.66 (support) and sellers near $299.27 (resistance); its 52-week range is $239.51–$332.29. A decisive break beyond either edge often marks the next move.
Volume. The latest session traded 1.2× the 20-day average — about normal. Rising volume on up-days suggests real buying; on down-days, real selling.
Educational information to help you read a chart — not a recommendation or a forecast. It updates daily as the price and indicators change.
4Y CAGR
12.1%
Revenue moved from $39.84B in 2016 to $274.90B in 2025, a 23.9% compound annual growth rate. The most recent year grew a steady 8.8% year over year. Slower, mature growth is common for established businesses.
Gross Margin
9.2%
Operating Margin
3.3%
Net Margin
2.2%
ROE
15.2%
Cigna keeps about 2.3% of each sales dollar as net profit, with a 9.2% gross margin and 3.3% operating margin. Return on equity is 15.2% and return on invested capital about 9.0%. Thin margins leave less cushion if costs rise.
Total Debt
$39.52B
Net Debt
$32.48B
Net Debt / EBITDA
3.53x
Debt / Equity
0.75x
Leverage: debt-to-equity is 0.8x, with a current ratio of 0.8x. That is a moderate, manageable debt load for most businesses. It carries roughly $39.52B of total debt against $7.04B of cash.
Operating CF
$9.60B
Free Cash Flow
$9.60B
FCF Margin
3.5%
In the latest year Cigna produced about $9.60B of operating cash flow and $9.60B of free cash flow after capital spending. That is a free-cash-flow yield of about 9.7% on today's price. Strong cash generation funds dividends, buybacks, and reinvestment.
Can the payout survive a bad year? Scored from filed cash flow, earnings coverage, and the raise/cut record.
The payout is comfortably covered by cash the business actually generates, with a raise habit behind it.
Dividend yield
2.1%
Per share (latest FY)
$6.04
Total paid (latest FY)
$1.61B
History on record
10 years
dividend uses 17% of free cash flow
27% of net income paid out
total dividends increased 5 years in a row
no cuts in the last 10 years on record
Coverage uses the latest fiscal year as filed with the SEC; the streak counts total dollars paid (per-share figures can carry split artifacts). Educational information, not income advice.
P/E
11.81x
P/S
0.28x
P/B
1.7x
EV / EBITDA
—
CI trades at 11.8x trailing earnings (about 9.0x on estimated forward earnings), 0.3x sales, and 1.7x book value. That is an undemanding multiple — potentially cheap if the business is stable.
Where CI sits versus its Health Care sector peers in the S&P 500.
Bands show the middle half (25th–75th percentile) of the 83 Health Care companies in the S&P 500 — the peer-relative anchor professional comps analysis uses. Context only — not investment advice.
How CI stacks up against its Health Care peers — valuation, profitability, and growth versus the sector median.
In the Health Care sector (324 S&P 500 companies), CI ranks #28 of 324 by our overall rating. It trades at a discount versus the sector on earnings (11.8x P/E vs. 27.3x median) with a higher return on equity (15.2% vs. 14.1%) and faster revenue growth (8.8% vs. 7.6%).
P/E vs sector
11.8x
median 27.3x
ROE vs sector
15.2%
median 14.1%
Growth vs sector
8.8%
median 7.6%
Sector rank
#28
of 324 by rating
Valuation vs. quality map
The sweet spot is upper-left: more profitable (higher ROE) for a lower P/E. Dashed lines mark the sector median.
Peers are the closest Health Care companies by sub-industry and size. Sector median is across all 324 S&P 500 names in the sector. Educational, not a recommendation.
Project revenue → earnings → price. Edit the assumptions to build your own case.
2030 price target (Base Case)
$0.00 – $0.00
vs. $280.94 today · expected CAGR 3% – 15%
| Metric | 2026 | 2027 | 2028 | 2029 | 2030 |
|---|---|---|---|---|---|
| Revenue | $299.64B | $326.61B | $356.00B | $388.04B | $422.97B |
| Net income | $8.99B | $9.80B | $10.68B | $11.64B | $12.69B |
| EPS | $33.18 | $36.16 | $39.42 | $42.96 | $46.83 |
| Share price (low) | $232.23 | $253.13 | $275.91 | $300.74 | $327.81 |
| Share price (high) | $398.10 | $433.93 | $472.98 | $515.55 | $561.95 |
| CAGR (low–high) | -17% / 42% | -5% / 24% | -1% / 19% | 2% / 16% | 3% / 15% |
Educational model on sample fundamentals — not a forecast or investment advice. Outputs are only as good as your assumptions.
The case for CI:
- Strong return on equity (15.2%) shows capital is put to work well.
- Healthy free-cash-flow yield (~9.7%) funds buybacks and dividends.
- Pays a 2.1% dividend on top of any price gains.
- Our model's overall read is Favorable (60/100).
The case against CI:
- Thin net margins (2.3%) leave little room for error.
- Like any single stock, it is exposed to competition, the economic cycle, and shifts in its end markets.
Margin risk — thin profitability (2.3%) is vulnerable to cost or pricing pressure.
Market risk — sector rotation, the economic cycle, and broad sentiment move the stock regardless of fundamentals.
On balance, the fundamentals screen favourably: Cigna is a large-cap health care business growing at a mature pace, with modest profitability, and a heavier debt load to watch. It trades at 11.8x earnings, which our model scores Favorable (60/100). Weigh this against your own goals and time horizon — this is educational information, not a recommendation.
Analyst Ratings
What 34 Wall Street analysts covering CI recommend (August 2026). Consensus is a useful sanity check — not a substitute for your own homework.
Analysts have turned more cautious over the last three months (-6 pts of buy ratings).
Latest SEC Filings
CI's most recent filings, straight from SEC EDGAR. Annual and quarterly reports are the deep dives; 8-Ks flag material events the moment they happen.
In the Idea Lab
CI — frequently asked questions
Is CI a good stock to buy?
We don't give buy or sell advice. Our model rates Cigna Favorable (60/100) based on its growth, profitability, financial health, and valuation — use that as a research starting point and make your own decision.
What is CI's rating on The Stocks School?
Cigna currently scores 60/100 (Favorable) on our transparent model, which weighs real fundamentals: growth, margins, returns on capital, balance-sheet strength, and valuation.
How our ratings work →Where does CI's data come from?
Live price data plus real fundamentals and 5-year financials pulled directly from Cigna's SEC filings — refreshed automatically, not hand-entered.
How is the 5-year projection for CI calculated?
It's a scenario model: it grows revenue at an assumed rate, applies a profit margin and a valuation multiple, and shows the resulting share-price range. The assumptions are yours to change — it's a tool for thinking, not a prediction.
Is this CI analysis financial advice?
No. Everything on this page is educational research, not financial advice or a recommendation to buy or sell CI. Always do your own research and consider a licensed professional.
Data notice. Fundamentals and financial statements are sourced from company filings (SEC EDGAR) and market-data providers; prices and market caps refresh on trading days and may be delayed. Ratings, projections, technical signals, and written summaries are model- or rule-generated for education and may simplify or lag the latest filings.
Not advice. Nothing on this page is investment advice or a recommendation to buy, hold, or sell any security. Do your own research and consult a licensed financial professional before investing.