Stock analysis · Bull Rankings model

CI analysis

The Cigna GroupHealthcare Plans. Scored on the same transparent model behind the daily rankings.

CI
The Cigna Group · Healthcare Plans
FCF$9.1bB+
Rev+11.3%B
D/E0.74C+
P/E11.5xA
PEG0.83B+
76.9Score
$277.51$73.3B
1Y Target$341.42Analyst consensus · 24 analysts
5Y Target$431.03Compound horizon
10Y Target$552.79Long-dated conviction
FCF$9.1bTTM · 06/26
B+
FCF $9.1b — strong cash profile, above most peers · TTM computed from 4 most-recent quarters (TTM · 06/26).
Rev+11.3%FY YoY
B
Revenue +11.3% — at or above S&P median · Computed from last two annual revenue figures (FY YoY).
D/E0.74
C+
D/E 0.74 — above the Healthcare debt median (≈75th pctile)
P/E11.5x
A
P/E 11.5 — cheapest decile in Healthcare (≈10th pctile)
PEG0.83
B+
PEG 0.83 — near fair value, classic Lynch benchmark (1.0)

Forward price target — the 1-year figure is the analyst consensus where the stock is covered; the 5- and 10-year figures compound our earnings estimate from there. The DCF below is a separate cross-check on intrinsic value (what it's worth today), not another target.

Quality-growth score · 76.9
Quality60.1
Growth85.2
Value88.6
Why this score
  • Raising its dividend
Entry · Margin of safety
52-week rangeMid-range
12% off the 12-month high
vs DCF fair value53% belowest. fair value ~$589
What the price assumes: free cash flow compounding at ~-11% a year for the next decade — vs the ~10% a year our model projects from current growth and analyst estimates.

Model-generatedGenerated by the Bull Rankings model from this company's reported fundamentals, and checked against the figures shown above.

Why now
The Cigna Group’s Evernorth Health Services PBM platform is the engine driving a sustainable compounding loop: 11.3% revenue growth YoY fuels $9.1B of free cash flow, which underwrites a PE of 11.3x and a sub‑$300 price that still trades well below the consensus 1‑yr target. This virtuous cycle of high‑margin pharmacy benefit contracts and expanding whole‑person health programs will keep earnings accelerating, making the stock a high‑growth play at a discount.
Moat
Evernorth’s integrated pharmacy‑benefit‑management suite creates deep switching costs for large employer and health‑plan customers, who rely on its formulary design, specialty distribution, and home‑delivery network. The resulting pricing power lifts ROE to 16.8%, a level only achievable through scale and data‑driven utilization management that rivals can’t replicate quickly.
Risk
Cigna’s thin 2.3% profit margin leaves little cushion if reimbursement pressure or regulatory changes bite, and a debt‑to‑equity of 0.74 could limit flexibility for further acquisitions or buybacks. A sustained margin squeeze would validate the bear view that the current valuation is overly optimistic.
Horizon
1-3 yr $341.42 (24-analyst consensus) — multiple re-rating thesis requires a catalyst. 5 yr $431.03 at ~9% CAGR — dividend + buyback compounding. 10 yr $552.79 if the moat survives secular pressure.
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.

CI vs the Top Picks average

PillarCIBook avgDiff
Quality0.600.84-0.24
Growth0.850.84in line
Value0.890.78+0.10

Averaged across the 30 names in today's Top Picks (mean score 81.5). A name can beat these averages and still be absent from the book — it also applies concentration limits.

Trend
+0.8 over 47 daily scores
From 76.1 (Jun 22) → 76.9 (now)

One point per daily model run. The range autoscales, so a flat-looking line can still hide 1–2 point moves — read the From → To values for the actual range.

Analyst estimate revisions

30-day change-0.0%
90-day change-0.1%
Forward EPS estimate$33.47

Over the last 90 days, what analysts expect CI to earn is essentially unchanged. The estimate is derived from price and forward P/E captured at the same instant, so a moving share price does not move this number — only a changed forecast does.

A rising estimate means expectations are improving, not that the price has failed to keep up — and estimates get cut as readily as they get raised. It is not part of the Bull Rankings score. Biggest movers across the market →

Shares to buy
7
Position size
$1,943
3.9% of portfolio
Stop price
$208.13
25% below $277.51
$ at risk if stopped
$485.64
budget $500.00 · 1% of portfolio

Math only — share count is floor(portfolio × risk% ÷ (price × stop%)). Doesn't account for commissions, slippage, gap risk, or position-correlation across your book. Inputs persist locally; never sent to the server. Not investment advice.

Latest CI developments

Recent headlines from across the financial press · updated daily. Links open the source.

The Cigna Group (CI): score, valuation & FAQ

The Cigna Group (CI) is a Healthcare Plans company that scores 76.9 out of 100 on the Bull Rankings quality-growth model — a solid, above-average reading. The score blends three pillars — quality (durable returns, healthy margins, low leverage), growth (revenue and earnings), and value (valuation versus sector peers) — into one number, refreshed daily; it is a screen, not a buy recommendation.

Its strongest graded signals are P/E (A), FCF (B+) and PEG (B+). On valuation, CI sits about 53% below our discounted-cash-flow fair value (a margin of safety) — the current price implies roughly -11% annual free-cash-flow growth over the next decade.

Is CI a good stock to buy?

Bull Rankings scores CI 76.9 out of 100 on its quality-growth model, which is a solid, above-average reading. That is driven by P/E (A), FCF (B+) and PEG (B+). A score is a quantitative screen of The Cigna Group's fundamentals, not personalised financial advice — weigh it against your own time horizon and risk tolerance, and read the risk factors below before acting.

Why does CI score 76.9 on Bull Rankings?

The quality-growth score blends three pillars — quality (returns on capital, margins, leverage, earnings quality), growth (revenue and earnings expansion), and value (valuation versus sector peers). CI earns its highest marks on P/E (A), FCF (B+) and PEG (B+). Each pillar is graded against sector-aware thresholds, then combined into the single 0–100 score.

Is CI overvalued or undervalued?

Based on $277.51, CI sits about 53% below our discounted-cash-flow fair value (a margin of safety) — the current price implies roughly -11% annual free-cash-flow growth over the next decade. It trades at a 11.5x P/E (graded A). Discounted-cash-flow estimates are sensitive to growth and discount-rate assumptions, so treat this as a cross-check, not a price target.

What are the main risks of investing in CI?

Cigna’s thin 2.3% profit margin leaves little cushion if reimbursement pressure or regulatory changes bite, and a debt‑to‑equity of 0.74 could limit flexibility for further acquisitions or buybacks. A sustained margin squeeze would validate the bear view that the current valuation is overly optimistic.

New to these metrics? The guides explain free cash flow, how the score works, and more in the learn hub — or run another name through the screener.

Bull Rankings is an automated fundamentals screen for research and education. It is not investment advice, and nothing here is a recommendation to buy or sell any security. Do your own research and consider consulting a licensed financial advisor.

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