Stock Analysis
The Cigna GroupCI
P/E 12.45×· 5Y range 7.89–33.64×· 34th percentile of history
Sector: Healthcare · Industry: Healthcare Plans
AnalystsStrong Buy34 analystsP/E 12.5× sits at the 34th percentile of its 5.089664613278576-year history.
Cash covers 28% of debt · FY 2025.
PMP Verdict
Mixed fundamentals, fairly valued
Strengths
- Quality70
- Growth63
Risks
- Profitability43
Mixed picture — no clear quality or value edge.
Bull Case
- ✓Piotroski F-Score 8/9 — high earnings quality
- ✓ROE 15.4% — efficient capital deployment
- ✓Revenue CAGR 12.1% — durable top-line growth
What's happening with CI
Profile
Strong valuation; moat and profitability lag behind.
How is each axis scored?
- Valuation90/100 · Strong
- P/E vs own history (34th pct)20/25
- FCF yield (11.6%)25/25
- P/S (0.3x)25/25
- EV/EBIT (10.3x)20/25
- Growth63/100 · Moderate
- Revenue CAGR (12.1%)20/25
- Net income CAGR (2.7%)6/25
- EPS CAGR 5Y (9.0%)12/25
- Fwd implied growth (48.5%)25/25
- Profitability43/100 · Weak
- ROIC (12.2%)12/25
- ROE (15.4%)20/25
- Net margin (2.3%)6/25
- Operating margin (3.5%)5/25
- Financial Health54/100 · Moderate
- Altman Z (2.71)18/25
- Current ratio (0.85)6/25
- Interest coverage (6.4x)18/25
- Net cash / debt (D/A 14%)12/25
- Quality70/100 · Moderate
- Piotroski F (8/9)25/25
- Beneish M (-2.45)20/25
- FCF conversion (n/a)0/25
- Margin stability (σ 1.1%)25/25
- Moat25/100 · Weak
- ROIC >12% years (0/8 yrs)0/25
- Median gross margin (32.0%)13/25
- FCF-positive years (n/a)0/25
- Worst-year net margin (worst 1.4%)12/25
About The Cigna Group
Cigna primarily provides pharmacy benefit management and health insurance services. Show more
Its PBM and specialty pharmacy services, which were greatly expanded by its 2018 merger with Express Scripts, are mostly sold to health insurance plans and employers. Its largest PBM contract is with the Department of Defense, and it recently won a multiyear deal with top-tier insurer Centene. In health insurance and other benefits, Cigna primarily serves employers through self-funding arrangements, and the company operates mostly in the US with 16 million US and 2 million international medical members covered as of December 2025.
Headquarters: BLOOMFIELD, CT · Employees: 67,700 · Website ↗
Price History
Weekly Candlestick Chart — up to 5Y
Key Metrics
Financial snapshot · Tap any metric for its definition and grade
TTM Snapshot
trailing twelve months · YoYValuation
90A+P/E (TTM)12.5xA
Grade A: CheapPrice / TTM EPS (own statements) — vs own 5Y history: 7.9x–33.6x · 34th pct
P/FCF7.9xA
Grade A: CheapPrice / Free Cash Flow per share (Finnhub). Inverse of FCF yield — negative when FCF is negative
FCF Yield11.6%A
Grade A: ValueLatest stored TTM FCF / Market Cap — vs own 5Y history: 9.7%–13.0% · 24th pct
P/S (TTM)0.28xA
Grade A: CheapPrice / TTM Revenue (own statements) — vs own 5Y history: 0.2x–0.6x · 17th pct
EV/EBIT10.3xA
Grade A: CheapEnterprise value / TTM EBIT (D&A not in our data) — capital-structure neutral — vs own 5Y history: 8.2x–15.9x · 10th pct
EV/Sales0.4xA
Grade A: CheapEnterprise Value / TTM Revenue (Finnhub) — capital-structure neutral sales multiple
Forward P/E8.4xA
Grade A: CheapPrice / next-year EPS estimate — shows whether the TTM multiple is rich or just front-loading growth
P/B Ratio1.91xA
Grade A: FairPrice to Book Value. Neg. equity = heavy buybacks
PEG Ratio1.33B
Grade B: FairFinnhub PEG — their P/E basis ÷ expected EPS growth. Suppressed when their P/E diverges >2× from our TTM P/E (different basis)
Dividend Yield2.08%A
Grade A: PaysTTM dividend yield (Finnhub) — annual dividends / price. None = no dividend; very high yield can signal distress
Payout Ratio25.3%A
Grade A: SafeDividends / Net Income (Finnhub) — share of earnings paid out; >90% or negative = unsustainable
Profitability
43D+ROIC12.2%C
Grade C: AverageNOPAT (EBIT less ~21% tax) / invested capital (equity + debt − cash). Flagship quality metric — durable >15% signals a moat
ROE15.4%C
Grade C: AverageReturn on Equity. Neg. equity = heavy buybacks
ROA4.1%D
Grade D: WeakReturn on Assets (Finnhub) — Net Income / Total Assets; how efficiently assets produce profit
Net Margin2.3%D
Grade D: LowNet Income / Revenue
Operating Margin3.5%D
Grade D: LowTTM EBIT / TTM Revenue
Gross Margin20.6%D
Grade D: LowGross Profit / Revenue
FCF Margin—
FCF / Revenue
True FCF Margin—
TTM (OCF − CapEx − SBC) / TTM Revenue — SBC treated as a real cost
Growth
63BRevenue CAGR12.1%C
Grade C: OkCompound annual revenue growth (up to 5Y depending on data availability)
Net Income CAGR2.7%D
Grade D: LowCompound annual net income growth (up to 5Y depending on data availability)
EPS CAGR (5Y)9.0%C
Grade C: OkCompound annual EPS growth over up to 5Y of per-share earnings (own statements). Null when either endpoint EPS ≤ 0
Implied EPS Growth48.5%A
Grade A: HighAnalyst forward EPS (normalized basis) vs our GAAP TTM EPS — different bases, so extreme values usually mark cyclically depressed TTM earnings, not real growth
Dilution (5Y)-24.2%A
Grade A: BuybacksShare count change over 5Y
SBC / Net Income—
Stock-based comp/Net income. >30% = dilution risk
SBC / Revenue—
TTM stock-based comp / TTM Revenue
Financial Health
54CAltman Z-Score2.71C
Grade C: Gray zoneBankruptcy risk. >3 Safe, <1.8 Distress
Current Ratio0.85xD
Grade D: LowCurrent Assets/Liabilities
Quick Ratio0.74xC
Grade C: Ok(Current Assets − Inventory) / Current Liabilities (Finnhub) — stricter liquidity test, excludes inventory
Interest Coverage6.4xC
Grade C: OkEBIT/Interest. >10 Strong
Debt Repayment—
Years to repay net debt via FCF
Net Debt/EBIT2.3xC
Grade C: MedLeverage. <2x Low, >4x High
Debt/Equity0.75xA
Grade A: LowDebt / Equity: <1 Conservative, >2 Risky. Not meaningful with non-positive equity; shown as unavailable rather than low debt.
Cash / Debt0.28xD
Grade D: ThinCash covers how much of total debt. >1 = could repay all debt from cash
Quality
70B+Piotroski F-Score8/9A
Grade A: StrongFinancial strength 0–9. >7 Strong
Beneish M-Score-2.45A
Grade A: SafeEarnings manipulation risk. < -2.22 Safe
FCF Conversion—
FCF / Net Income
Margin Stability1.1%A
Grade A: StableEBIT margin std deviation. Lower = stable
Capex / Revenue—
TTM CapEx / TTM Revenue — high % = capital-hungry business
Asset Turnover1.80xA
Grade A: HighRevenue / Total Assets (Finnhub) — how efficiently the asset base generates sales
Insider Transactions
SEC Form 4 · 8 recordsP/S codes are the directional signal; grants, option exercises and tax withholding carry none. Form 4 doesn't flag 10b5-1 plans — scheduled sales may appear within open-market sells.
| Trade date | Insider | Transaction | Shares | Filed |
|---|---|---|---|---|
Neville Everett Filed | Neville Everett | SellOpen market sale | -617 | |
Evanko Brian C Filed | Evanko Brian C | Grant / award | +6.7K | |
Evanko Brian C Filed | Evanko Brian C | Grant / award | +3.1K | |
Kurian George Filed | Kurian George | Grant / award | +109 | |
Jones Nicole S Filed | Jones Nicole S | SellOpen market sale | -2677 |
Show 3 more filingsShow fewer filings
| Trade date | Insider | Transaction | Shares | Filed |
|---|---|---|---|---|
Holgerson Bryan Filed | Holgerson Bryan | Grant / award | +1 | |
Jones Nicole S Filed | Jones Nicole S | Option exercise | -1301 | |
Jones Nicole S Filed | Jones Nicole S | Option exercise | +1.3K |
Option exercise (M) rows report a derivative leg, not an open-market sale — a paired negative entry is the option position being consumed.
More metrics — Moat, Per Share, Balance Sheet, MarketHide additional metrics
Moat
25EROIC >12% Years0/8 yrsD
Grade D: WeakShare of completed fiscal years with ROIC > 12% — measures multi-year capital-return durability
Gross Margin (Med.)32.0%C
Grade C: ModerateMedian annual gross margin across available fiscal years — pricing-power durability
FCF-Positive Years—
Share of completed fiscal years with positive free cash flow
Net Margin Floor1.4%C
Grade C: ModerateWeakest annual net margin across completed fiscal years — recession/downcycle resilience
Per Share
EPS (TTM)$24.28
Own TTM net income / shares — same earnings basis as P/E
Cash / Share$27.52
Cash & short-term investments per share (Finnhub)
Book Value / Share$161.62
Shareholders' equity per share (Finnhub). Negative = accumulated losses / heavy buybacks
Balance Sheet
Total Debt$31.46B
Total debt obligations (short + long term)
Cash & Equiv.$8.73B
Cash and short-term investments
Net Debt$22.73B
Total Debt minus Cash. Negative = Net Cash position
Total Equity$41.71B
Shareholders' equity (book value)
Asset / Liability1.36xC
Grade C: AdequateTotal Assets / Total Liabilities
Market
Market Cap$79.88B
Current Market Capitalization
Beta0.26B
Grade B: DefensivePrice sensitivity vs the market (Finnhub) — 1.0 moves with market, >1.2 amplifies swings
How grades work: each metric is graded A–D against fixed thresholds (tap a row for the meaning). Card grades map the pillar score to A+–E — a card grade is that pillar's own score, not an average of the rows shown.
Financials as of Jun 2026 · Ratio snapshot Oct 17, 2026
Key Insights: The Cigna Group (CI)
CI is up 1.17% at the last close. The Cigna Group meets 8 of 9 Piotroski F-Score criteria, placing its fundamental strength in the top tier of US-listed stocks. Altman Z-Score of 2.71 falls in the grey zone (1.81–2.99) — financial distress is unlikely but not ruled out.
- Beneish M-Score of -2.45 suggests a low likelihood of earnings manipulation.
- At a valuation score of 90/100, CI trades near the cheapest end of its own historical range (P/E 12.5).
- The stock currently yields 2.1% in dividends.
See how CI ranks on the Capex Tracker — top 50 capital spenders compared.
Recent Market Moves
See all CI moves →| Date | Session | Price | Move | Z-Score |
|---|---|---|---|---|
| Oct 15 | Regular | 298.37 | +3.04% | 2.28 |
| Oct 15 | After-hours | 298.00 | +2.91% | 2.18 |
| Oct 14 | Regular | 289.33 | +2.41% | 2.04 |
| Oct 14 | After-hours | 289.38 | +2.43% | 2.06 |
Frequently Asked Questions about CI
What is the current The Cigna Group (CI) stock price?
CI is trading at $302.30 at the last market close, up 1.17% on the session. PreMarketPrice tracks CI pre-market, intraday and after-hours prices.
Is CI stock a buy right now?
PreMarketPrice's quantitative model rates The Cigna Group's financial health at 54/100. This is a data-driven snapshot of fundamentals, not investment advice.
Is CI stock overvalued?
The Cigna Group trades at a trailing P/E of 12.5 and our valuation score rates it 90/100 (higher = cheaper vs. its own history). See the Valuation History and Key Metrics sections for forward P/E, EV/EBITDA and PEG context.
When does The Cigna Group report earnings?
No confirmed earnings date is currently scheduled for CI. The Earnings section lists recent reports and updates as dates are announced.
What sector does The Cigna Group operate in?
The Cigna Group operates in the Healthcare sector, within the Healthcare Plans industry. The Related Stocks section lists sector peers for comparison.
What does The Cigna Group do?
Cigna primarily provides pharmacy benefit management and health insurance services.
About The Cigna Group (CI) Stock
The Cigna Group (CI) is a US-listed stock operating in the Healthcare sector, specifically the Healthcare Plans industry. As of the latest update, The Cigna Group is trading at $302.30, up 1.17% on the day with a market capitalization of $79.9 billion. The financial health score for CI is 54/100, which indicates moderate financial strength based on profitability, leverage, liquidity, and growth metrics. This page provides real-time pre-market pricing, earnings calendar, financial health analysis, and valuation metrics for CI stock.
CI Stock Analysis & Key Metrics
On PreMarketPrice, you can track The Cigna Group (CI) across multiple dimensions:
- Pre-market price & movement: Real-time CI stock price with percentage change, updated continuously during pre-market and regular trading hours.
- Valuation & P/E history: Historical P/E, P/S, and P/B ratios for CI with trend analysis and normalized valuation multiples.
- Financial statements: Revenue, net income, assets, liabilities, and equity for The Cigna Group across multiple reporting periods.
- Financial health score: A composite score of 54/100 based on Altman Z-Score, Piotroski F-Score, profitability, and leverage metrics for CI.
- Sector peers: Compare CI against 5 other healthcare stocks on key financial metrics.
Is CI a Good Stock to Buy?
This page provides data-driven analysis to help you evaluate The Cigna Group (CI) as an investment. The financial health score of 54/100 suggests moderate financial fundamentals. Valuation metrics show whether the stock is trading above or below its historical average.However, this is not financial advice — always do your own research before investing.
Data on this page is sourced from real-time market feeds, Polygon.io, and Finnhub.The Cigna Group (CI) trades on NYSE/NASDAQ. Pre-market trading occurs 4:00 AM – 9:30 AM ET. Regular market hours are 9:30 AM – 4:00 PM ET.