📊 CI Key Takeaways
Is Cigna Group (CI) a Good Investment?
Cigna demonstrates solid revenue growth of 11.2% YoY in an essential healthcare sector, but fundamental quality is questionable with net income declining despite top-line expansion, razor-thin profitability (2.4% net margin), and concerning liquidity ratios (0.82x current ratio). The company generates minimal free cash flow ($81M on $68.5B revenue) and delivers poor returns on capital (ROE 3.9%, ROA 1.1%), suggesting operational challenges and inefficient capital deployment that warrant caution.
Cigna Group shows solid scale, double-digit revenue growth, and strong cash generation, with leverage and interest coverage that remain manageable for a large healthcare services business. However, profit quality looks mixed because net income declined despite strong revenue growth and EPS expansion, while margins remain thin and liquidity ratios below 1.0x leave less short-term balance sheet flexibility.
Cigna Group Key Strengths (CI)
- Strong revenue growth of 11.2% YoY demonstrating market demand and scale expansion
- Manageable leverage with 0.70x debt-to-equity ratio and solid 6.6x interest coverage capacity
- Significant asset base of $153.3B providing operational scale and market position in essential healthcare services
- Revenue growth of 11.2% indicates the business is still expanding at meaningful scale
- Operating cash flow of $9.60B and free cash flow of $8.55B support debt service, reinvestment, and capital returns
- Debt/equity of 0.74x and interest coverage of 6.6x suggest leverage is material but currently manageable
CI Stock Risks: Cigna Group Investment Risks
- Net income declined 5.3% YoY despite 11.2% revenue growth, indicating margin compression or rising operational costs that offset top-line gains
- Liquidity concerns with current ratio of 0.82x and quick ratio of 0.71x (both below 1.0 threshold) raise working capital management questions
- Critically weak free cash flow generation of only $81M (0.1% FCF margin) with operating cash flow nearly equal to capex, limiting financial flexibility and shareholder returns
- Net income declined 5.3% YoY, indicating earnings pressure despite higher revenue
- Operating margin of 3.3% and net margin of 2.2% leave limited room for execution mistakes or cost pressure
- Current ratio of 0.85x and quick ratio of 0.72x indicate weaker near-term liquidity positioning
Key Metrics to Watch
- Net margin trend - must stabilize above current 2.4% to validate operational improvements
- Operating cash flow to net income conversion - monitor if FCF margin can exceed 1-2% sustainably
- Current and quick ratio trajectory - liquidity ratios need improvement toward industry benchmarks above 1.0x
- Net income growth relative to revenue growth
- Operating margin and free cash flow margin
Cigna Group (CI) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The relatively thin 0.1% FCF margin may limit capital allocation flexibility. The current ratio below 1.0x warrants monitoring of short-term liquidity.
CI Profit Margin, ROE & Profitability Analysis
CI vs Healthcare Sector: How Cigna Group Compares
How Cigna Group compares to Healthcare sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is Cigna Group Stock Overvalued? CI Valuation Analysis 2026
Based on fundamental analysis, Cigna Group shows some fundamental concerns relative to the Healthcare sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
Cigna Group Balance Sheet: CI Debt, Cash & Liquidity
CI Revenue & Earnings Growth: 5-Year Financial Trend
5-Year Trend Summary: Cigna Group's revenue has grown significantly by 58% over the 5-year period, indicating strong business expansion. The most recent EPS of $17.39 reflects profitable operations.
CI Revenue Growth, EPS Growth & YoY Performance
CI Quarterly Earnings & Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q1 2026 | $65.5B | $1.3B | $4.85 |
| Q3 2025 | $63.7B | N/A | $2.63 |
| Q2 2025 | $60.5B | N/A | $4.43 |
| Q1 2025 | $57.3B | N/A | $-0.97 |
| Q3 2024 | $49.0B | N/A | $2.63 |
| Q2 2024 | $48.6B | N/A | $4.43 |
| Q1 2024 | $46.5B | N/A | $-0.97 |
| Q3 2023 | $45.3B | N/A | $4.74 |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
Cigna Group Dividends, Buybacks & Capital Allocation
CI SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for Cigna Group (CIK: 0001739940)
📋 Recent SEC Filings
❓ Frequently Asked Questions about CI
What is the AI rating for CI?
Cigna Group (CI) has a Combined AI Grade of B from Claude (B) and ChatGPT (B) with 68% combined confidence, based on fundamental analysis of SEC EDGAR filings.
What are CI's key strengths?
Claude: Strong revenue growth of 11.2% YoY demonstrating market demand and scale expansion. Manageable leverage with 0.70x debt-to-equity ratio and solid 6.6x interest coverage capacity. ChatGPT: Revenue growth of 11.2% indicates the business is still expanding at meaningful scale. Operating cash flow of $9.60B and free cash flow of $8.55B support debt service, reinvestment, and capital returns.
What are the risks of investing in CI?
Claude: Net income declined 5.3% YoY despite 11.2% revenue growth, indicating margin compression or rising operational costs that offset top-line gains. Liquidity concerns with current ratio of 0.82x and quick ratio of 0.71x (both below 1.0 threshold) raise working capital management questions. ChatGPT: Net income declined 5.3% YoY, indicating earnings pressure despite higher revenue. Operating margin of 3.3% and net margin of 2.2% leave limited room for execution mistakes or cost pressure.
What is CI's revenue and growth?
Cigna Group reported revenue of $68.5B.
Does CI pay dividends?
Cigna Group pays dividends, with $417.0M distributed to shareholders in the trailing twelve months.
Where can I find CI SEC filings?
Official SEC filings for Cigna Group (CIK: 0001739940) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is CI's EPS?
Cigna Group has a diluted EPS of $6.26.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined grade reflects both perspectives for balanced insights.
What is CI's fundamental grade?
Based on our AI fundamental analysis in June 2026, Cigna Group has a B grade with 68% confidence. Review the strengths and risks sections above for full context. This is not investment advice.
Is CI stock overvalued or undervalued?
Valuation metrics for CI: ROE of 3.9% (sector avg: 15%), net margin of 2.4% (sector avg: 12%). Compare these metrics with sector averages to assess valuation.
What is CI's AI grade for 2026?
Our dual AI analysis gives Cigna Group a combined B grade for 2026. Revenue is data pending, with profitability at or below sector average. Always conduct your own research.
What is CI's free cash flow?
Cigna Group's operating cash flow is $1.1B, with capital expenditures of $1.1B. FCF margin is 0.1%.
How does CI compare to other Healthcare stocks?
Vs Healthcare sector averages: Net margin 2.4% (avg: 12%), ROE 3.9% (avg: 15%), current ratio 0.82 (avg: 2).