Educational research only—not investment advice or a recommendation. Scores and estimates may use delayed, incomplete, restated, or corrected market and filing data. Independently verify information before making an investment decision.

Cigna Corporation

CINYSE
Wall Street Score · overall investment71/100
$295.00USD$-3.28 (-1.10%)
Company website www.thecignagroup.com
Headquarters900 Cottage Grove Road, Bloomfield, CT, 06002, US
Financial statement currencyUSD · no FX conversion applied
Healthcare · Medical - Healthcare Plans
Price updated todayFinancials updated Oct 1, 2026

CI · Price history

Price at last available close

$295.00

+$19.74 (+7.17%) 1M

2026-10-28

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Company & revenue

About Cigna Corporation

Primary reporting period: 2025-12-31 · Research updated Oct 11, 2026. A research update is not a new financial filing.

Who they are

Cigna Group, established in 1792 and headquartered in Bloomfield, Connecticut, provides insurance products and related services across the United States. The company operates through two primary segments. Its Evernorth division offers a comprehensive array of coordinated and specialized health solutions, including pharmacy services, benefits administration, care management and delivery, and advanced intelligence solutions.

How they make money

The Cigna Group operates as a global health company through two primary segments: Evernorth Health Services, which provides pharmacy benefit management and specialty care services, and Cigna Healthcare, which offers medical insurance plans and health benefits solutions. The company generates revenue primarily through premiums for insured health plans, administrative fees for self-funded employer arrangements, and pharmacy benefit management services.

Products & services

Medical, dental, behavioral health, pharmacy, and vision insurance plans; pharmacy benefit management; specialty pharmacy services; and care coordination programs.

Brands & revenue mix

Cigna Healthcare

Primary brand for health benefits and insurance products.

Separate brand revenue is not available in this research.Source

Evernorth

Primary brand for pharmacy and care services.

Separate brand revenue is not available in this research.Source

Revenue share is not unit sales or a best-seller ranking. Parent brands and included sub-brands can overlap; do not add overlapping rows.

Product / operating segments

No reconciled product or operating-segment revenue breakdown is available for the current research period. Company-wide revenue remains separate from segment disclosure.

Geographic revenue

No reconciled geographic revenue breakdown was confirmed for the current research period.

Customer types

Customer concentration

The company does not disclose specific customer concentration figures in its 2025 10-K filing.

Suppliers, materials & equipment

  • Pharmaceutical manufacturers — The company sources pharmaceutical products and rebates from various manufacturers for its pharmacy benefit management operations; specific supplier names are not disclosed.Source
  • Healthcare providers — The company maintains networks of hospitals, physicians, and other healthcare professionals to provide services to its members; specific provider names are not disclosed.Source

Competitors

  • UnitedHealth Group — Competes in health insurance and pharmacy benefit management services.Source
  • Elevance Health — Competes in health insurance and managed care services.Source
  • CVS Health — Competes in pharmacy benefit management and retail pharmacy services.Source

Strengths

  • Integrated pharmacy and medical benefit capabilitiesSource
  • Extensive global provider networkSource

Risks

  • Regulatory and legislative changes in healthcareSource
  • Intense competition in the health services industrySource

Wall Street Score

Overall investment score · Quality, value, risk and opportunity

71

Strong

PoorElite

View category scores →

Company Quality

How good is the actual business—regardless of today’s stock price?

69

Fair

Financial Strength

72

Business Quality / Moat

66

Management

91

Growth Quality

32

Risk / Durability

79

Cheap for a Reason · Review the Risks

Uses financial strength, moat, management, growth quality and durability. It excludes share price, P/E, market cap, intrinsic value and margin of safety.

Opportunity

Opportunity Score · How does the current price compare with estimated value?

75

Fair

Based on current valuation, company quality, recent trends, and available market signals.

View score details →

Model Outlook

12-month model · What does the model think happens next?

74/100

Building Historical Record

Model Score 74/100 — estimates relative performance potential, distinct from the overall Wall Street Score and the separate Company Quality score.

Probability unavailable — the model has not produced a calibrated probability yet.

Click for full breakdown →

WSS View

The quick read

The overall Wall Street Score is strong across its combined quality, valuation and risk inputs. Review Company Quality separately to assess the business without its share price.

At today’s price, the WSS valuation framework currently reads as relatively attractive.

The model outlook is currently positive.

What we like
  • •Strong overall Wall Street Score
  • •Balance-sheet / debt profile scores strongly
  • •Valuation scores attractively
  • •Recent buyback activity is present
What to watch
  • •Revenue fundamentals are weak

Company-specific research

Questions worth answering for CI

Research inputs 100% complete

These questions are generated from this company's current financial and score data so the page adds context instead of treating the headline score as a stand-alone conclusion.

  • •Can CI maintain its current revenue growth rate and improve the amount of that revenue that turns into earnings and cash?
  • •Is CI's positive free cash flow repeatable, or is the current level being helped by temporary working-capital or spending changes?
  • •Is CI's debt load manageable relative to cash generation, interest costs and upcoming maturities?
  • •Is CI's valuation discount tied to a temporary concern or to a longer-term business risk?
Business analysis: 17 days ago · Fresh

Essential Investment Snapshot

Wall Street Score

71

0–100 · Strong

Opportunity Score

75

0–100 · Strong

Market Cap

$77.95B

P/E Ratio

11.2

EPS

$24.25

52-Week High

$315.47

52-Week Low

$239.51

Beta

0.32

Intrinsic Value

$933.63

Analyst Target

$330.00

Shares Outstanding

265.9M

Total Revenue

$282.38B

Total Debt

$31.88B

Dividend

No current dividend

View dividend history

Liquidation Value / Share

$161.35

Estimated net asset value per share

Momentum & Volatility Signals

Two different market-behavior signals. Momentum measures direction and trend strength. Volatility measures how large and unstable the price moves are, regardless of direction.

0–100 market signals
Momentum
61/ 100
-16 pts / 5d

Neutral / mixed momentum

5D -3.1% · 20D +8.5% · RSI 60 · Price vs 20D avg +1.5%
Volatility
26/ 100
+11 pts / 5d

Low movement

20D realized vol 28.3% · 60D 25.5% · Acceleration 1.11x
Momentum = Where is it going?

A high momentum score means price has been trending upward with confirming short- and medium-term strength. A low score means downward or weakening momentum.

Volatility = How violently is it moving?

A high volatility score means larger, less stable price swings. It can happen while a stock is rising or falling, so high volatility is not automatically bullish or bearish.

Important: the volatility score above is based on realized price volatility. Implied volatility (IV) comes from options prices and represents the market's expected future movement. Wall Street Score will keep IV separate and will only display it when a verified options-chain feed is available.

Notices for CI

Detected from reported data — verify before acting.

Historical repurchase activity

Reported cash flows or share-count measures indicate past repurchase activity. This does not verify an active buyback authorization or future purchases.

Community Sentiment

0 active · 0 total calls
0% Bullish (0) 0% Bearish (0)

No personal call yet on CI.

Potential upside factors

  • +Growth opportunities may come from revenue expansion, margin improvement, new products, market-share gains, and stronger cash flow.
  • +Integrated pharmacy and medical benefit capabilities.
  • +Extensive global provider network.
  • +Positive free cash flow may provide capacity to invest in growth.

Potential downside factors

  • −Key risks may include competition, margin pressure, debt levels, valuation risk, and changes in demand within the Medical - Healthcare Plans industry.
  • −Regulatory and legislative changes in healthcare.
  • −Intense competition in the health services industry.

These research factors come from saved company research and financial data, not community votes. They are starting points to verify against filings, not buy or sell recommendations.

Create a free account to make a call.

Scores

Click any score for full breakdown
Wall Street Score
Strong71/ 100
Weak (0–50)Fair (51–71)Strong (72+)

Strong

71

Tap for breakdown →

Strong

85

Debt Cost4.4%
Debt Reduction YoY1.6%
Debt / Equity0.75x

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Weak

48

Revenue YoY2.7%
Revenue CAGR18.7%
Net Margin2.3%

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Fair

57

Asset Growth YoY1.3%
Liquidation/Share$161.35
Net Assets/MCap1.74x

Tap for breakdown →

Strong

86

Earnings Yield8.9%
Buyback Yield7.2%
Debt Cost4.4%

Tap for breakdown →

Elite

91

ROIC11.0%
ROE15.1%
ROA4.1%

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Fair

66

EPS Growth20.8%
FCF/Share Growth8.4%
Rev/Share Growth21.4%

Tap for breakdown →

Elite

97

Intrinsic Value$933.63
Value Reference$560.17
MOS68.3%

Tap for breakdown →

Strong

73

Revenue48
Moat66
Valuation97

Tap for breakdown →

Elite

100

MOS %68.3%
Value Reference$560.17
Deep Discount Reference$373.45

Tap for breakdown →

Poor

38

Interest Coverage6.6x
ROIC11.0%
FCF Yield11.7%

Tap for breakdown →

Fair

58

Financial38
Valuation97
Debt85

Tap for breakdown →

Fair

50

Survival Years0.7 yrs
Current Ratio0.85x
FCF Margin3.1%

Tap for breakdown →

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Score Changes

5 historical score records available

Previous Score

69

Sep 14, 2026

Change

+1.1

points

Current Score

71

Oct 1, 2026

Category Changes

Revenue+0.5
Debt0
Assets0
Capital+3.0
Management0
Moat+0.7
Valuation0
Buffett+0.2

CI increased 1.1 points because Capital improved by 3 points.

Positive Contributors

  • + Capital improved by 3 points

Projected Score

Projected Score

72

Projected Change

+1.0 points

Preliminary comparable-period financial changes suggest improvement of approximately 1.0 points. This is a projected estimate, not the official WallStreetScore.

Price vs. Value

Review model assumptions

This model estimate is more than three times the share price.

This is a formula-based estimate, not a verified fair value or price target. Check the earnings and growth assumptions.

Stored EPS: $24.25 · Growth assumption: 15.0% · Earnings multiplier: 38.5×.

Current Price

$295.00

Model Intrinsic Value

$933.63

Difference

−$638.63

-68.4% vs IV

Margin of Safety

68.4%

Value Reference: $560.17
Deep Discount Reference: $373.45

Financial Charts

Revenue

201420152016201720182019202020212022202320242025$0$70.0B$140.0B$210.0B$280.0B

Additional Metrics

Operating Cash Flow

201520172019202120232025$0$3.0B$6.0B$9.0B$12.0B

Total Debt

201520172019202120232025$0$15.0B$30.0B$45.0B$60.0B

Total Assets

201520172019202120232025$0$40.0B$80.0B$120.0B$160.0B

Net Margin %

No data
Monetary values in USD. Share counts in raw units.

Free includes 3 annual periods plus available TTM; Premium includes up to 10 annual periods. History depends on available company filings. Swipe the table horizontally to see older periods. A dash means unavailable, not zero.

Line ItemTTM2025202420232022202120202019201820172016
Revenue$282.38B$274.95B$247.12B$195.26B····························
Cost of Revenue$249.45B$248.97B$221.16B$170.09B····························
Gross Profit$32.93B$25.99B$25.96B$25.18B····························
Research & Development$0.00$0.00$0.00$0.00····························
SG&A Expenses$13.96B$14.00B$14.57B$14.32B····························
Operating Expenses$23.17B$16.86B$16.55B$16.64B····························
EBITDA$11.77B$11.61B$11.45B$10.85B····························
Operating Income$9.76B$9.13B$9.42B$8.54B····························
Interest Expense$1.40B$1.38B$1.44B$1.45B····························
Income Before Tax$8.45B$7.59B$5.27B$5.51B····························
Income Tax Expense$1.51B$1.34B$1.49B$141.0M····························
Net Income$6.42B$5.96B$3.43B$5.16B····························
Basic EPS$24.25$22.30$12.25$17.57····························
Basic Shares264M266M280M297M····························
Diluted Shares264M266M283M297M····························
Upgrade to Premium for up to 10 annual periods, where available.
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Earnings Summary

Estimated earnings date:A future estimated earnings date is not currently available.
Jun 30, 2026Q2FY2026

Revenue

$71.67B

Estimate unavailable.

Revenue Beat/Miss

Not available (no estimate stored)

EPS

$6.29

Estimate unavailable.

EPS Beat/Miss

Not available (no estimate stored)

Debt Change

+3.6%

Cash Change

+45.5%

Margin Change

+0.0 pp

Debt and cash show percentage changes versus the comparison period; margin shows the change in percentage points (pp). These are company-wide changes, not per-share amounts.

Financial Changes Since Prior Period

What Improved

  • Margins expanded
  • Cash position grew

What Weakened

  • Debt increased

Potential Score Impact

Positive indicators included revenue growth, EPS growth, cash levels, net income margin. Pressure indicators included debt levels. These factors may support or pressure the Revenue, Management, Financial, and Debt categories; this summary does not claim that the stored scores changed.

Stored Earnings Analysis

Revenue increased 6.6%. EPS increased 10.2%. Cash increased 45.5%. Total debt increased 3.6%. Net income margin was essentially unchanged.

Earnings-Call Transcript

Earnings-call transcript analysis is not currently available.

These results may influence future scores when the next evaluation is completed.

Upgrade to Premium to unlock all earnings history.View plans
Earnings data: 121 days ago · Stale

Insider Activity

Guru / Smart Money

Guru Score

56

Smart Money

56

Number of Gurus

5

Total Guru Value

Avg Portfolio Weight

Largest Holder

Largest Holder %

New Positions

Increased Positions

Reduced Positions

Exited Positions

Net Guru Sentiment

Loading data...

Short Interest

Government disclosed trading activity is available on the Smart Money directory. Filings may be delayed and may not represent complete current holdings.

Dividend History

Dividend data is not available yet. Missing data does not mean this company pays no dividend.

Conservative Projected Values

3 Years

$———.——

Premium

5 Years

$———.——

Premium

10 Years

$———.——

Premium

Conservative Projection Rate

——%

Premium

Conservative Projected Values — price projections derived from actual 10-year adjusted historical returns, conservatively adjusted and capped at 8% annually. These are distinct from the Outperformance Model Score and WallStreetScore.

Conservative Projected Values

Premium unlocks the 3-year, 5-year, and 10-year conservative projected values with full calculation breakdowns based on actual historical returns.

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Historical Outperformance Record

Premium includes stored forecasts and any available evaluated results. Completed results, win rates and calibrated probabilities are shown only when supported records exist; access does not create historical outcomes.

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Historical Trends

5 historical records
Jul 23, 26Aug 12, 26Sep 3, 26Sep 14, 26Oct 1, 260255075100

Historical Score Chart

3 of 5 records shown
3 historical score records are shown. Start your seven-day free trial to unlock 2 more records and the complete score history.Start Free Trial

Wall Street Score

Sep 3, 26Sep 14, 26Oct 1, 260255075100

Debt Score

Sep 3, 26Sep 14, 26Oct 1, 260255075100

Revenue Score

Sep 3, 26Sep 14, 26Oct 1, 260255075100

Asset Score

Sep 3, 26Sep 14, 26Oct 1, 260255075100

Capital Score

Sep 3, 26Sep 14, 26Oct 1, 260255075100

Management Score

Sep 3, 26Sep 14, 26Oct 1, 260255075100

Moat Score

Sep 3, 26Sep 14, 26Oct 1, 260255075100

Valuation Score

Sep 3, 26Sep 14, 26Oct 1, 260255075100

Buffett Score

Sep 3, 26Sep 14, 26Oct 1, 260255075100

Intrinsic Value

Sep 3, 26Sep 14, 26Oct 1, 26$931.00$932.00$933.00$934.00$935.00

Value Reference

Sep 3, 26Sep 14, 26Oct 1, 26$558.00$559.00$560.00$561.00$562.00

Margin of Safety %

Sep 3, 26Sep 14, 26Oct 1, 260.7%0.7%0.7%0.7%0.7%

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News

Rumor Mill · CI

Corporate developments & opportunities

Explore market →

No reviewed developments match this filter.

Evidence credibility is not a forecast of stock performance. Rumor Mill is separate from the WSS score.

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