CI

The Cigna Group

$306.60

+2.71% 2026-10-20

Health CareS&P 500

1M 3M 6M 1Y 2Y

CISPY

+8.5%

+11.4%

+6.1%

+12.1%

YTD

+13.3%

+2.2%

Live chart

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Grades vs sector

Momentum

43rd pct in sector

12-1 return: +13.7%
Percentile within its GICS sector across the S&P 1500.

Growth

40th pct in sector

Revenue growth (YoY): +6.7%
Percentile within its GICS sector across the S&P 1500.

Value

90th pct in sector

Forward E/P: 11.1% · EBITDA/EV: 12.2%
Percentile within its GICS sector across the S&P 1500.

Profitability

48th pct in sector

C+

Profit margin: +2.3% · Return on equity: +16.8%
Percentile within its GICS sector across the S&P 1500.

Revisions

Not enough data yet

–

EPS estimate change, 30 days (current FY): –
30-day change in analysts' current-year EPS estimate; graded across covered stocks.

Our models

Not held by any of our 5 live models right now.

Quality Growth

not ranked (outside this model's universe or screens)

Momentum Top 15

rank 353 of 499 · 12-1 momentum % -2.6

Momentum Blend

not in the current book

New Highs Growth

not ranked (outside this model's universe or screens)

Conviction 20

not in the current book

News

More news

What Are Hims & Hers Health Stock Bears Missing?

Trefis · Oct 19

Management Raised The Bar For CVS Health Stock; Does The Chart Agree?

Trefis · Oct 19

Key stats

Market cap$81.0B

P/E (trailing)12.7

P/E (forward)9.2

52-week range239.51 – 311.34

Revenue growth (YoY, latest qtr)+6.7%

Dividend yield2.09%

Analyst consensusBuy (24)

Mean price target$342.29 (+12%)

Valuation and fundamentals

Valuation & fundamentals

Bottom line

Looks undervalued

Model read-out from the numbers below, not advice. Score +4 (DCF counts double).

▲DCF (base case)above the price by 135%

▲Forward P/E vs sector9.2x vs median 17.6x

▲Piotroski F-score8/9

•Altman Z2.8 (grey)

•Net debt / EBITDA2.6x

•Analyst target+12% (24 analysts)

Discounted cash flow

Bear

$407

+33%

growth 6% · disc. 10.2% · term. 2.0%

Base

$720

+135%

growth 11% · disc. 9.2% · term. 2.5%

Bull

$1,151

+275%

growth 14% · disc. 8.2% · term. 3.0%

A DCF starts from trailing free cash flow, so it can overstate value if the last 12 months were unusually strong (or weak). Use the bear case or edit the starting cash flow if so.

Reverse DCFfor context, not a signal

Today's price implies shrinking cash flows: about 0% a year for 10 years.

Implied

+0%/yr

FCF, last 3 yrs

+4%/yr

FCF, last 5 yrs

-1%/yr

Revenue, last 3 yrs

+15%/yr

Revenue, last 5 yrs

+11%/yr

Same inputs as the DCF above: trailing free cash flow 9.2B, 9.2% discount rate, 2.5% growth after year 10, net debt and today's share count. Actual growth rates are compound annual rates from SEC annual filings through FY2025; "n/a" means too little history or a negative starting year.

Edit assumptions · recalculates instantly

Your value per share–

Free cash flow = operating cash flow − capital spending, trailing 12 months (TTM to 2026-06-30). Growth default: average of 3-year revenue CAGR and latest revenue growth, capped at 30%. Years 6–10 fade linearly to terminal growth. Discount rate = 4.25% risk-free assumption + beta 0.30 × 5% equity premium, kept within 7–13%. Bear: lower growth, +1 pt discount, 2% terminal. Bull: higher growth, −1 pt, 3%.

Multiples vs Health Care

P/E (trailing)

sector median 29.9× · 6th pct

12.7×
cheaper

Forward P/E

sector median 17.6× · 12th pct

9.2×
cheaper

EV / EBITDA

sector median 15.8× · 15th pct

9.0×
cheaper

Price / sales

sector median 3.1× · 3rd pct

0.3×
cheaper

Price / book

sector median 3.5× · 21st pct

1.9×
cheaper

FCF yield

sector median 4.1% · 92nd pct

11.4%
cheaper

Forward EPS $33.48 vs trailing $24.19 (+38% expected growth). Forward P/E uses analysts' next-12-month estimate.

Quality & financial health

Gross margin

20.6%

Operating margin

3.5%

FCF margin

3.3%

Net margin

2.3%

Return on equity

15.1%

Return on invested capital

10.6%

Net debt / EBITDA

2.6×

Current ratio

0.8×

Interest cover

7.0×

Cash conversion (OCF/NI)

1.6×

Piotroski F-score 8/9 · last two fiscal years

✓ Positive net income✓ Positive operating cash flow✓ Return on assets improved✓ Cash flow above net income✓ Long-term debt / assets fell✓ Current ratio improved✓ No share dilution✗ Gross margin improved✓ Asset turnover improved

Altman Z-score 2.8 (grey zone; above 3.0 = safe, below 1.8 = distress). Not meaningful for banks and insurers.

Analysts

Mean target

$342

+12%

Analysts

Buy

Range

$288–$400

low – high

● price · ◆ mean target

Annual history

FY	Revenue	Net income	Free cash flow
2025	$274.9B	$6.0B	$9.6B
2024	$247.1B	$3.4B	$10.4B
2023	$195.3B	$5.2B	$11.8B
2022	$180.5B	–	$8.7B
2021	$174.1B	–	$7.2B
2020	$160.4B	–	$10.3B

From the company's 10-K filings via SEC XBRL. 3-year revenue CAGR +15.0%.

Earnings

Next report: 2026-11-05 · before open · EPS est 7.51

EstimateActual (beat)Actual (miss)

Report	EPS est	Actual	Surprise
2026-07-30	7.60	7.78	+2.4%
2026-04-30	7.61	7.79	+2.4%
2026-02-05	7.88	8.08	+2.5%
2025-10-30	7.64	7.83	+2.5%
2025-07-31	7.15	7.20	+0.7%
2025-05-02	6.35	6.74	+6.2%
2025-01-30	7.82	6.64	-15.1%
2024-10-31	7.25	7.51	+3.5%

Quarterly revenue

Quarter	Revenue	YoY
2026-06-30	$71.4B	+6.7%
2026-03-31	$68.3B	–
2025-12-31	$72.1B	–
2025-09-30	$69.5B	–
2025-06-30	$66.9B	–

Insider trades

Neville Everett

See Remarks · 2026-09-03

SELL
$175.3K

Jones Nicole S

See Remarks · 2026-08-18

SELL
$748.5K

Jones Nicole S

See Remarks · 2026-08-04

SELL
$5.4M

None

None · None

SELL
–

None

None · None

SELL
–

None

None · None

SELL
–

Stats refreshed 2026-10-20 18:03:40 ET from Yahoo Finance (yfinance). "–" means the data isn't available. Refresh now

coteau

Coteau Systematic Strategies publishes stock research and model portfolios. It doesn't manage money or give investment advice. Results are hypothetical unless marked Live. Data: Yahoo Finance (delayed) and SEC EDGAR.

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