Verdict: Side-by-side breakdown using the Bull Rankings model. CI scored 71.9, UNH scored 65.9 — CI leads.
Compare another set
CI
The Cigna Group
Healthcare Plans · Quality-Growth
71.9
$282.43 · $74.6B
fundamentals as of
Score gap
6.0
CI leads
UNH
UnitedHealth Group Incorporated
Healthcare Plans · Quality-Growth
65.9
$379.30 · $340.5B
fundamentals as of
At a glance · who leads each dimension, on the model's own rules
CheapestCI11.7x
Fastest growthUNH+11.8%
Strongest balance sheetUNH0.69
Highest qualityUNH62 / 100
Largest discount to fair valueCI-53%
Side by side · every name on one set of axes
Growth against the P/E multiple. Up and to the right is cheaper and faster — the quality-growth idea in one picture. Points beyond the axis are pinned to the edge and marked off-scale rather than allowed to compress everything else.
The model, pillar by pillar (0–100 each)
CI
stronger →← stronger
UNH
60
Qualityreturns · margins · balance sheet
62
72
Growthrevenue & earnings expansion
84
86
Valuevaluation vs sector peers
55
UNH is stronger on 2 of 3 pillars.
Fundamentals, head-to-head
CI
UNH
$9.1bB+
FCF
$23.6bA
+11.3%B
Rev
+11.8%B
0.74C+
D/E
0.69C+
11.7xA
P/E
23.9xB+
0.77A-
PEG
1.01B+
Winner per row is the stronger grade; where grades tie, the better figure breaks it. A true tie or a missing value shows no highlight.
Valuation · DCF cross-check
CI
UNH
53% below
Price vs fair valuelower is cheaper
43% below
~-10%/yr
Growth the price impliesyr-1 FCF growth, fading to 4% · lower = less priced in
~-5%/yr
+94%
1-yr DCF upside
+59%
+114%
5-yr DCF upside
+77%
+145%
10-yr DCF upside
+107%
The DCF is a cross-check on intrinsic value, separate from the quality-growth score above.
Model signals
CI
No notable signals flagged.
UNH
Why this score
Raising its dividend
The companies
CIThe Cigna Group
Healthcare Plans · $282.43 · beta 0.30
Why now
Healthcare Plans · market cap $74.6b. 9% off the 52-week high of $311.34. Revenue growing +11%, comfortably above the S&P median. PEG 0.77 — paying under fair value for the growth rate. 24 sell-side analysts rate this a Buy with a mean 1-yr target of $342.29 (implying +21% upside).
Moat
ROE 17% is above 15% — 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. $74.6b 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.
UNHUnitedHealth Group Incorporated
Healthcare Plans · $379.30 · beta 0.61
Why now
Healthcare Plans · market cap $340.5b. 18% off the 52-week high of $461.62. Revenue growing +12%, comfortably above the S&P median. 25 sell-side analysts rate this a Buy with a mean 1-yr target of $481.72 (implying +27% upside).
Moat
ROE 14% meets the long-run market sustainable threshold — solid but not differentiated; the durability comes from elsewhere. FCF converts 167% of net income, helped by cash released from working capital ($7.3b) that doesn't repeat every year. $340.5b market cap places it among the largest companies in the sector — distribution, R&D, and customer-acquisition costs amortize across a base peers can't replicate.
Risk
Net margin 3.1% is thin — operating leverage cuts both ways; input-cost inflation or pricing pressure hits the bottom line first.
Verdict — model-derived comparison
CI leads UNH by 7.9 points (75.8 to 67.9), its sharpest advantage coming in P/E (grade A). A contrarian could still prefer UNH, which trades about 44% below our DCF fair value — a margin of safety the score doesn't reward.
Our AI analyst is busy right now, so this verdict is drawn directly from the pillars, grades and DCF above.
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.
Where CI and UNH diverge
On the headline score the gap is 6.0 points in favor of CI. They get there differently, though — each leads on a different pillar, so the better pick depends on which you weight.
ValueCI 85.5 · UNH 54.6CI +30.9
GrowthCI 72.2 · UNH 83.9UNH +11.7
QualityCI 60.1 · UNH 62.4level
Pillars run 0–100. Value is judged against each company's own sector, so a Value score is a statement about a company relative to its own industry rather than to the other name here. A wide Value gap usually means the market already prices the difference in quality or growth — which is the trade-off this comparison comes down to.
Common questions
Is CI or UNH the better stock?
CI scores higher: CI 71.9, UNH 65.9 out of 100 on the Bull Rankings quality-growth score, which blends business quality, growth and valuation into one number. A higher score means a stronger business at a more reasonable price — it is not a price target or a recommendation.
Where do CI and UNH differ most?
The widest gap is value, where CI leads by 31 points on the 0–100 pillar scale. Neither name sweeps: they trade the lead across the three pillars, so the comparison is a trade-off rather than one being better on every measure.
How are CI and UNH scored?
Each carries the same 0–100 quality-growth score used everywhere on the site, built from three pillars — quality (profitability and returns on capital), growth (revenue and earnings), and value (what you pay for them) — combined as a geometric mean, so a weak pillar cannot be papered over by a strong one.
How current is this comparison?
The whole universe is re-scored every trading day after the US market close, so the scores and fundamentals here reflect the latest published edition.