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The Cigna Group (C1IC34) fair value: what the stock is really worth

As of Oct 2, 2026: fair value of The Cigna Group BRL 107, price BRL 58.62, upside +82.6%, quality 68 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.

  1. Fair value above price? Yes
  2. Good quality? Yes
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Healthcare · BR · ISIN US1255231003

TC Broad data Sep 29, 2026

The Cigna Group

C1IC34 · SA

Clearly undervaluedStrong Fair Value upside, but quality is only moderate.

✓Fair value R$107.06 · Strongly undervalued (+82.6%)
✓Quality 68/100
✓Healthy Growth (revenue 5y +11.4 %/yr)
!Thin margins · 2.3% net margin (TTM)
✓Moderate debt · generates free cash flow
✓1.7% dividend yield · Well covered
!Narrow moat 44/100

What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

R$491.96 R$26.27 Fair Value R$107.06 Jun 2021 Oct 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 29, 2026.

How to read this chart

60‑month range R$26.27 – R$491.96 · fair‑value band R$69.13 – R$138.89 · the R$58.62 price screens below the R$107.06 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 29, 2026.

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Company profile

The Cigna Group, together with its subsidiaries, provides insurance and related products and services in the United States. It operates through two segments: Evernorth Health Services and Cigna Healthcare.

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The Cigna Group, together with its subsidiaries, provides insurance and related products and services in the United States. It operates through two segments: Evernorth Health Services and Cigna Healthcare. The Evernorth Health Services segment includes Pharmacy Benefit Services and Specialty and Care Services, offering pharmacy benefit management, drug claim adjudication, retail pharmacy network administration, benefit design consultation, drug utilization review, drug formulary management, pharmacy benefits, home delivery pharmacy, specialty pharmacy, specialty pharmaceutical distribution, and clinical programs for whole-person health outcomes. The Cigna Healthcare segment comprises U.S. Healthcare and International Health, delivering comprehensive medical and coordinated solutions such as employer medical plans, individual and family plans, behavioral health, consumer health engagement, dental, pharmacy management, stop-loss insurance, global health care, and local health care solutions, as well as health care benefits for mobile individuals and employees of multinational organizations. The company offers other operations, including corporate-owned life insurance, reinsurance, and certain run-off and non-strategic businesses. The company distributes its products and services through brokers and consultants; directly to employers, unions and other groups, or individuals; and private and public exchanges. The company was formerly known as Cigna Corporation and changed its name to The Cigna Group in February 2023. The company was founded in 1792 and is headquartered in Bloomfield, Connecticut.

Stock analysis

The Cigna Group (C1IC34) currently trades at R$58.62, while our model-based Fair Value estimate is R$107.06, implying the stock looks roughly 45.2% undervalued today.

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Valuation

Bull case: the DCF Models group reads highest at a median of R$140.71 per share, and 21 of the 26 models we run sit above the R$58.62 price.

Bear case: the Dividend Discount group reads lowest at R$21.33, and 5 of the 26 models stay below the price. Evidence for this calculation is high.

Scenario range: R$69.13 (bear) to R$138.89 (bull), the price of R$58.62 sits below it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 68/100 (solid quality), in the Healthcare sector.

Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.

The Cigna Group reported revenue of $275B in FY2025 versus $174B in FY2021, a compound +12.1%/yr. Reported net income was $6.0B in FY2025, compounding +2.7%/yr from FY2021.

Key figures

Market cap R$401B (≈ $76.9B) · P/E ratio 12.4 · P/S ratio 0.27 · EPS (TTM) R$30.57 · Dividend yield 1.7% · Net margin 2.2% · Return on equity 16.3% · Return on assets (EBIT) 5.7%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 48 out of 100 (low confidence).

What moves the price

The share trades about 84% below its 52-week high and 15% above its 52-week low, currently below its 200-day average.

For context, the median of 10 Healthcare peers we cover trades at −9% fair-value upside, at 83%, C1IC34 screens cheaper than that median.

Fair Value models

Bear R$69.13 Fair Value R$107.06 Bull R$138.89
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2025 figures (about 9 months old). Earnings retained since then (R$18.51 per share) are deliberately not added. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds. Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Highest evidence
FCF DCF R$89.73 R$189.79 R$388.35 75
EPV R$42.39 R$52.63 R$61.59 74
Growth DCF R$87.50 R$179.14 R$342.23 74
All 26 models by family
DCF Models
FCF DCF R$89.73 R$189.79 R$388.35 75
Owner Earnings R$79.86 R$174.83 R$351.42 71
5Y Revenue Exit R$62.51 R$126.18 R$214.50 70
5Y EBITDA Exit R$81.86 R$168.09 R$279.90 72
5Y P/E Exit R$67.05 R$136.02 R$217.49 68
10Y Revenue Exit R$68.05 R$133.29 R$238.06 64
10Y EBITDA Exit R$83.66 R$164.88 R$295.52 65
10Y P/E Exit R$73.64 R$140.71 R$240.68 61
Earnings-Based
Graham-Dodd R$33.32 R$181.39 R$251.54 63
Lynch FV R$50.35 R$71.93 R$93.51 61
PEG = 1.0 R$50.35 R$71.93 R$93.51 57
EPV R$42.39 R$52.63 R$61.59 74
Dividend Discount
Gordon GGM R$12.17 R$25.30 R$40.13 66
DDM Multi-Stage R$12.17 R$21.33 R$26.55 66
Multiples
P/E Multiple R$80.85 R$107.80 R$134.75 63
P/S Multiple R$62.48 R$83.30 R$104.13 58
P/B Multiple R$62.48 R$83.30 R$104.13 55
EV/EBIT R$77.54 R$109.75 R$141.96 65
EV/EBITDA R$84.46 R$118.97 R$153.49 67
EV/Revenue R$49.88 R$79.44 R$108.99 53
Asset-Based
NCAV (Graham) R$17.16 R$22.99 R$34.31 54
Growth DCF
Growth DCF R$87.50 R$179.14 R$342.23 74
Rev-Margin DCF R$62.51 R$124.35 R$208.59 70
Economic Profit
Residual Income R$33.70 R$43.46 R$66.37 74
ROIC Compounder R$47.19 R$74.32 R$100.88 71
Growth Earnings
Growth-Adj P/E R$75.30 R$107.57 R$139.84 67

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Quality Score breakdown

Overall quality 68/100

Of which business quality 64 · Market factors (momentum, volatility) 35

Profitability 48
Margins and returns on capital today
Quality Growth 64
Are margins and returns improving?
Cashflow 53
Earnings quality: real cash, not paper profit
Fin. Strength 50
Balance sheet, leverage, solvency risk
Investment 95
Disciplined investing over empire-building
Low Volatility 50
Calm price path (market factor)
Momentum 37
Price trend over the last 3–12 months (market factor)
52W Momentum 13
Distance to the 52-week high (market factor)
Net Issuance 100
Share count: buybacks or dilution?

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Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 84/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Revenue growth 1 year
+11.2%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+15.0%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+11.4%
Start year 2020 (pandemic)
Revenue growth 7 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+28.1%
What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.
+8.1%
Earnings growth per share plus dividend.
Earnings per share, growth per year+6.4%
Dividend (yield on the price)1.7%
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.8% → 3%

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Earlier news

News mood ⓘNews mood, the average tone of recent news (99 articles), rated against how stocks are usually covered. 🚀 Hype = unusually upbeat · 🙂 Positive = above average · 😐 Neutral = typical · 🙁 Negative = below average · 😨 Very negative = unusually downbeat. It reflects the tone of coverage, not our valuation. Positive
Recent news coverage is more positive than average.

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Progyny, Inc PGNY $25.19 $35.44 +41%
Alignment Healthcare, Inc ALHC $8.21 $7.45 −9%
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Healthconn Corp 6665 17.00 TWD 13.18 TWD −22%

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The Cigna Group · Fair Value
R$107.06 +45%Fair Value
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Cite: Fair Value Calculator (2026). "The Cigna Group Fair Value". https://www.fairvalue-calculator.com/stock/C1IC34

Frequently asked questions

Is The Cigna Group (C1IC34) overvalued or undervalued?
As of Sep 29, 2026, our model estimates a fair value of R$107.06 versus a price of R$58.62, about +83% upside (undervalued).
What is the fair value of C1IC34?
Our model-based fair value for The Cigna Group is R$107.06 (as of Sep 29, 2026), built from audited fundamentals. The current price: R$58.62.
What is the quality score of C1IC34?
The Cigna Group has a Quality Score of 68/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for The Cigna Group (C1IC34)?
Our model-based price target is the fair value of R$107.06 (as of Sep 29, 2026) from 26 valuation models. Cautious scenario R$69.13, optimistic scenario R$138.89. It is a calculation from audited fundamentals, not an analyst target.
What is the The Cigna Group stock forecast for 2026?
Our models put fair value at R$107.06, about +83% upside versus a price of R$58.62 (undervalued). Cautious scenario R$69.13, optimistic scenario R$138.89. The calculation is refreshed regularly with new filings.
What is the revenue of The Cigna Group (C1IC34)?
The Cigna Group reported trailing-twelve-month revenue of about $278B (latest available figure, as of Sep 29, 2026).
Does The Cigna Group pay a dividend?
The Cigna Group currently shows a dividend yield of about 1.66% relative to its recent price (as of Sep 29, 2026).
What is the intrinsic value of The Cigna Group (C1IC34)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For The Cigna Group it is R$107.06 per share (as of Sep 29, 2026), against a price of R$58.62. It is the blended result of 26 valuation models (cash flow, earnings, asset, dividend).
Is The Cigna Group stock overvalued or undervalued in 2026?
As of Sep 29, 2026, C1IC34 trades below its calculated fair value: price R$58.62, fair value R$107.06, a gap of about +83% (undervalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of C1IC34?
No. The price is what the market pays today (R$58.62); the fair value is what the company's own numbers justify (R$107.06). For The Cigna Group the two are R$48.44 per share apart. That gap is exactly why we show both numbers side by side.
How much is The Cigna Group worth?
The market values The Cigna Group at about R$401B (market capitalisation, as of Sep 29, 2026). Per share that is R$58.62; our models calculate a fair value of R$107.06 per share.
What do the bullish and bearish scenarios say about C1IC34?
Our models span a range for The Cigna Group: cautious scenario R$69.13, base R$107.06, optimistic R$138.89 per share (as of Sep 29, 2026, price R$58.62). The range comes from different growth and margin assumptions, not from analyst opinions.
How far is C1IC34 from its 52-week high?
The Cigna Group trades at R$58.62, about 84% below its 52-week high of R$366.43 and 15% above the low of R$50.87 (as of Oct 2, 2026). Distance from the high says nothing about value: that is what the fair value of R$107.06 is for.
Which stocks are comparable to The Cigna Group?
From the same area (Healthcare) we also value UnitedHealth Group, CVS Health Corporation, Elevance Health, Inc, Humana Inc, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is The Cigna Group stock attractive at the current price?
The data as of Sep 29, 2026: price R$58.62, calculated fair value R$107.06 (+83%), Quality Score 68/100, from 26 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of C1IC34 calculated?
We run The Cigna Group through 26 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of R$107.06, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 14.5 % above its aggregate fair value. The Cigna Group currently trades 45 % below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of The Cigna Group (C1IC34)?
The closing price on Oct 2, 2026 was R$58.62. Our model-based fair value is R$107.06, about +83% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with The Cigna Group right now?
The price is below even our cautious bear case (R$69.13). The market is more pessimistic than our downside scenario. Solid quality (68/100) at a price below fair value, the discount is the argument here, not the business quality. A fairly wide model range (R$69.13 to R$138.89) leaves room in how you read the outcome.

Key figures of The Cigna Group

How large is the market capitalisation of The Cigna Group (C1IC34)?
The market capitalisation of The Cigna Group is R$401B (≈ $76.9B). The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/E ratio of The Cigna Group (C1IC34)?
The price-to-earnings ratio of The Cigna Group is 12.4 (as of Jul 16, 2026). Price to earnings: how many years of current profit you pay for the stock. A P/E of 10 means ten years of profit.
What is the P/S ratio of The Cigna Group (C1IC34)?
The price-to-sales ratio of The Cigna Group is 0.27 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of The Cigna Group (C1IC34)?
Earnings per share at The Cigna Group are R$30.57 (price ÷ EPS = P/E 12.4). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of The Cigna Group (C1IC34)?
The dividend yield of The Cigna Group is 1.7% (payout 3.2%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of The Cigna Group (C1IC34)?
The net margin of The Cigna Group is 2.2% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of The Cigna Group (C1IC34)?
The return on equity (ROE) of The Cigna Group is 16.3% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of The Cigna Group (C1IC34)?
On an EBIT basis the return on assets of The Cigna Group is 5.7% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of The Cigna Group (C1IC34)?
The operating margin of The Cigna Group is 5.5% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at The Cigna Group (C1IC34)?
Revenue at The Cigna Group is growing +4.6% versus a year earlier (3y avg +15.0%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at The Cigna Group (C1IC34)?
Earnings per share at The Cigna Group are growing +29.1% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does The Cigna Group (C1IC34) generate?
The free cash flow of The Cigna Group is $8.4B (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does The Cigna Group (C1IC34) carry?
The net debt of The Cigna Group is $23.8B (fiscal year 2025, ≈ 2.8 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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