COMPARE · Reviewed August 3, 2026
CI vs ELV
Verdict: Side-by-side breakdown using the Bull Rankings model. CI scored 76.7, ELV scored 63.9 — CI leads.
Compare another set
CI
The Cigna Group
76.7
$273.83 · $72.4B
fundamentals as of
Score gap
12.8
CI leads
ELV
Elevance Health, Inc.
63.9
$379.53 · $82.3B
fundamentals as of
The model, pillar by pillar (0–100 each)
CI
stronger →← stronger
ELV
60
Qualityreturns · margins · balance sheet
55
85
Growthrevenue & earnings expansion
86
88
Valuevaluation vs sector peers
55
CI is stronger on 2 of 3 pillars.
Fundamentals, head-to-head
CI
ELV
$9.1bB+
FCF
$6.3bB+
+11.3%B
Rev
+12.6%B+
0.74C+
D/E
0.69C+
11.3xA
P/E
16.8xA-
0.83B+
PEG
1.33B
Winner per row is the stronger grade in our model; a tie or a missing value shows no highlight.
Valuation · DCF cross-check
CI
ELV
54% below
Price vs fair valuelower is cheaper
41% below
~-12%/yr
Growth the price implies10-yr FCF · lower = less priced in
~-6%/yr
+98%
1-yr DCF upside
+57%
+116%
5-yr DCF upside
+70%
+146%
10-yr DCF upside
+92%
The DCF is a cross-check on intrinsic value, separate from the quality-growth score above.
Model signals
CI
Why this score
- Raising its dividend
ELV
Why this score
- Buying back stock
The companies
CIThe Cigna Group
Why now
Healthcare Plans · market cap $72.4b. 13% off the 52-week high of $315.47. Revenue growing +11%, comfortably above the S&P median. PEG 0.83 — paying under fair value for the growth rate. 24 sell-side analysts rate this a Buy with a mean 1-yr target of $343.38 (implying +25% upside).
Moat
ROE 17% sits above Buffett's preferred 15% threshold — the equity base is compounding at a rate the market struggles to discount accurately. FCF converts 142% of net income — earnings translate cleanly into cash, a sign that working capital and capex are well-disciplined. $72.4b market cap gives the company enough scale to absorb fixed costs that subscale competitors can't, without yet being so large that growth has to come from acquisition.
Risk
Net margin 2.3% is thin — operating leverage cuts both ways; input-cost inflation or pricing pressure hits the bottom line first.
ELVElevance Health, Inc.
Why now
Healthcare Plans · market cap $82.3b. 13% off the 52-week high of $436.24. Revenue growing +13%, comfortably above the S&P median. 21 sell-side analysts rate this a Buy with a mean 1-yr target of $449.10 (implying +18% upside).
Moat
ROE 11% meets the long-run market sustainable threshold — solid but not differentiated; the durability comes from elsewhere. FCF converts 127% of net income — earnings translate cleanly into cash, a sign that working capital and capex are well-disciplined. $82.3b market cap gives the company enough scale to absorb fixed costs that subscale competitors can't, without yet being so large that growth has to come from acquisition.
Risk
Net margin 2.5% is thin — operating leverage cuts both ways; input-cost inflation or pricing pressure hits the bottom line first.
Verdict — model-derived comparison
Generating verdict… typically 5–10 seconds
Not investment advice. The Bull Rankings publishes a quantitative ranking model and accompanying analysis for general informational purposes only. Nothing on this page is a recommendation to buy, sell, or hold any security; nothing is personalized to your circumstances, risk tolerance, or tax situation. Investing carries the risk of loss — invest at your own risk and consider consulting a licensed financial professional before acting on anything you read here. See terms and methodology for full disclosures.