The Cigna Group (CI) Fair Value & Analysis
Healthcare · US · Market cap $77.6B
The Cigna Group
CI · US
Fair value as of: Jul 14, 2026
From 26 valuation models · updated 24 days ago
Share price −4.0% over the past month.
A solid business, screening 80% undervalued on our models.
What matters now
- The price is below even our cautious bear case ($321.72). The market is more pessimistic than our downside scenario.
- Solid quality (63/100) at a price below fair value, the discount is the argument here, not the business quality.
- A fairly wide model range ($321.72 to $619.27) leaves room in how you read the outcome.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 14, 2026.
How to read this chart
60‑month range $175.83 – $353.95 · fair‑value band $321.72 – $619.27 · the $275.25 price screens below the $495.42 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Jul 14, 2026.
Analysis
The Cigna Group (CI) currently trades at $275.25, while our model-based Fair Value estimate is $495.42, implying the stock looks roughly 80.0% undervalued today. We read business quality at 63/100 (solid quality), in the Healthcare sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high), always confirm before acting.
Over the trailing twelve months, The Cigna Group generated revenue of $278B at a net margin of 2.3%. Revenue grew 4.6% year over year. It earns a return on equity of 16.3%. Net debt stands at $23.8B. Fundamentals as of Jul 14, 2026
Our scenario range runs from $321.72 (bear case) to $619.27 (bull case); at $275.25, the current price sits below that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades about 17% below its 52-week high and 17% above its 52-week low, currently below its 200-day average. For context, the median of 10 Healthcare peers we cover trades at -15% fair-value upside, at 80%, CI screens cheaper than that median.
Fair Value models
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.
All 26 models by family
Widest divergence: DCF Models ($525.11) versus Dividend Discount ($98.04). Highest evidence: Growth DCF (80).
Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Jul 14, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 63 · Market factors (momentum, volatility) 56
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
About the company
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.
Full company description
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.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
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 +2.6%/yr from FY2021.
Watch CI: get an alert when its fair value changes →
Peer Group
Healthcare Plans · 15 stocks
How this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.
Valuation Multiples vs Healthcare Plans median · lower = cheaper
Snowflake
Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.
Insider activity: 44/100
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.
Similar stocks
10 more Healthcare Plans stocks, each showing price versus our Fair Value estimate (as of Jul 14, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| UnitedHealth Group UNH | $423.38 | $292.06 | -31% |
| CVS Health Corporation CVS | $104.15 | $42.54 | -59% |
| Elevance Health, Inc ELV | $372.85 | $431.40 | +16% |
| Humana Inc HUM | $400.00 | $127.61 | -68% |
| Centene Corporation CNC | $66.61 | $111.96 | +68% |
| Molina Healthcare, Inc MOH | $233.31 | $199.31 | -15% |
| Oscar Health, Inc OSCR | $29.10 | $58.20 | +100% |
| Alignment Healthcare, Inc ALHC | $20.60 | $2.37 | -88% |
| Progyny, Inc PGNY | $31.93 | $16.44 | -49% |
| Bradsaúde S.A SAUD3 | R$15.35 | R$20.75 | +35% |
Compare The Cigna Group with another stock
Price, fair value, quality and upside side by side.
Explore undervalued stocks
More undervalued Healthcare stocks →
Frequently asked questions
Is The Cigna Group (CI) overvalued or undervalued?
What is the fair value of CI?
What is the quality score of CI?
What is the revenue of The Cigna Group (CI)?
What is the net profit margin of CI?
Does The Cigna Group pay a dividend?
How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.
Track The Cigna Group and try Pro for 14 days
One email gets you 14 days of full Pro (review alerts, the 35,000+ stock screener, the diversification check) plus the monthly Top-25 report of the most undervalued quality stocks. No card, cancel anytime.
Zero risk: nothing is ever charged. After 14 days you decide whether to stay.