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Cigna Corp (CI)
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Upturn Advisory Summary
01/09/2026: CI (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
25 Analysts rated it
Well-followed company, solid analyst reports, reliable data for confident investing.
1 Year Target Price $326.14
1 Year Target Price $326.14
| 13 | Strong Buy |
| 6 | Buy |
| 6 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -26.23% | Avg. Invested days 33 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 01/09/2026 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 75.84B USD | Price to earnings Ratio 12.56 | 1Y Target Price 326.14 |
Price to earnings Ratio 12.56 | 1Y Target Price 326.14 | ||
Volume (30-day avg) 25 | Beta 0.27 | 52 Weeks Range 238.17 - 344.64 | Updated Date 01/9/2026 |
52 Weeks Range 238.17 - 344.64 | Updated Date 01/9/2026 | ||
Dividends yield (FY) 2.12% | Basic EPS (TTM) 22.6 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Revenue by Geography
Geography revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 2.29% | Operating Margin (TTM) 4% |
Management Effectiveness
Return on Assets (TTM) 3.95% | Return on Equity (TTM) 15.54% |
Valuation
Trailing PE 12.56 | Forward PE 9.17 | Enterprise Value 102575157761 | Price to Sales(TTM) 0.28 |
Enterprise Value 102575157761 | Price to Sales(TTM) 0.28 | ||
Enterprise Value to Revenue 0.38 | Enterprise Value to EBITDA - | Shares Outstanding 267125816 | Shares Floating 265859640 |
Shares Outstanding 267125816 | Shares Floating 265859640 | ||
Percent Insiders 1.59 | Percent Institutions 90.84 |
Upturn AI SWOT
Cigna Corp
Company Overview
History and Background
Cigna Corporation was founded in 1982 through the merger of Connecticut General Life Insurance Company (founded 1865) and INA Corporation (founded 1792 as the Insurance Company of North America). Cigna has undergone significant transformations, evolving from a diversified insurance provider to a more focused health services organization. Key milestones include its spin-off of its global property and casualty insurance business in 1994 and the acquisition of Express Scripts in 2018, which significantly expanded its pharmacy benefits management capabilities.
Core Business Areas
- Evernorth Health Services: This segment offers a broad range of health services, including pharmacy benefit management (PBM) through Express Scripts, specialty pharmacy services, care management solutions, and digital health tools. It focuses on improving health outcomes and reducing healthcare costs for employers, health plans, and individuals.
- Cigna Healthcare: This segment provides a wide array of health insurance and related products and services to employers, individuals, and government entities. It includes medical, dental, behavioral health, vision, and life insurance plans.
Leadership and Structure
Cigna Corporation is led by a Board of Directors and a senior executive management team. The CEO is David M. Cordani. The company is structured around its two main business segments: Evernorth Health Services and Cigna Healthcare, each with its own leadership responsible for strategy and operations.
Top Products and Market Share
Key Offerings
- Pharmacy Benefit Management (PBM) through Express Scripts: Express Scripts is a leading PBM, managing prescription drug benefits for millions of individuals. It negotiates drug prices, processes claims, and provides mail-order pharmacy services. Competitors include CVS Health (Caremark), Optum Rx, and Rite Aid (EnvisionRxOptions).
- Employer-Sponsored Health Insurance: Cigna offers comprehensive health insurance plans for businesses of all sizes, covering medical, dental, and vision care. Market share data for specific product lines within health insurance is highly fragmented and competitive, with major players like UnitedHealth Group, Elevance Health, and Humana.
- Specialty Pharmacy Services (Accredo): Accredo, part of Evernorth, is a leading specialty pharmacy that provides high-touch services for patients with complex and chronic conditions, managing high-cost medications. Competitors include Optum Specialty pharmacy, CVS Specialty, and McKesson Specialty pharmacy.
Market Dynamics
Industry Overview
The health services and insurance industry is large, complex, and highly regulated. It is characterized by increasing healthcare costs, evolving consumer expectations for convenience and personalization, and a growing emphasis on value-based care. The PBM market is consolidated but faces scrutiny over pricing practices. The shift towards digital health and proactive care management is a significant trend.
Positioning
Cigna is positioned as a diversified health services company with a strong focus on integrated care delivery and cost management through its Evernorth segment. Its acquisition of Express Scripts has solidified its presence in the PBM market, providing a significant platform for growth. Cigna's competitive advantages lie in its integrated model, broad range of services, and extensive network.
Total Addressable Market (TAM)
The total addressable market for health services and insurance in the US is in the trillions of dollars, encompassing employer-sponsored insurance, government programs (Medicare/Medicaid), and individual health insurance. Cigna is a significant player within this TAM, particularly in the PBM and employer health insurance segments, but faces intense competition from larger and more diversified players.
Upturn SWOT Analysis
Strengths
- Strong PBM capabilities through Express Scripts.
- Integrated health services model combining insurance and pharmacy benefits.
- Diversified revenue streams.
- Established brand recognition and customer base.
- Focus on innovation and digital health solutions.
Weaknesses
- Reliance on the US market.
- Intense competition in all its business segments.
- Regulatory risks associated with the healthcare industry.
- Potential for integration challenges from past acquisitions.
Opportunities
- Growth in specialty pharmacy and care management services.
- Expansion of digital health offerings and personalized care solutions.
- Leveraging data analytics for improved health outcomes and cost savings.
- Partnerships with providers and employers to drive value-based care.
- Potential for international expansion.
Threats
- Increasing healthcare costs and payer pressure.
- Regulatory changes and government policy shifts.
- Intensifying competition from new market entrants and existing players.
- Cybersecurity threats and data breaches.
- Economic downturns affecting employer-sponsored coverage.
Competitors and Market Share
Key Competitors
- UnitedHealth Group (UNH)
- Elevance Health (ELV)
- Humana (HUM)
- CVS Health (CVS)
Competitive Landscape
Cigna's competitive advantages lie in its integrated PBM and health insurance offerings, particularly through Evernorth. However, it faces strong competition from larger, more diversified players like UnitedHealth Group, which has a significant presence in both insurance and health services. Elevance Health is also a formidable competitor, particularly in the PBM and insurance space. CVS Health, with its retail pharmacy footprint and PBM, represents another significant competitor. Cigna's ability to innovate and manage costs effectively is crucial for maintaining its competitive position.
Major Acquisitions
Express Scripts Holding Company
- Year: 2018
- Acquisition Price (USD millions): 67000
- Strategic Rationale: To significantly expand Cigna's scale and capabilities in pharmacy benefit management, create a more integrated health services offering, and achieve greater cost efficiencies.
Growth Trajectory and Initiatives
Historical Growth: Cigna has experienced substantial growth, particularly following the acquisition of Express Scripts, which significantly expanded its Evernorth segment. The company has focused on integrating its businesses and expanding its service offerings to drive organic growth and market share gains.
Future Projections: Analyst projections for Cigna typically focus on continued growth in its Evernorth segment, driven by PBM services and specialty pharmacy. Growth in its health insurance business is expected to be more moderate, influenced by market dynamics and competition. Cigna's strategic focus on integrated health services and innovation is a key driver for future growth.
Recent Initiatives: Recent initiatives include continued integration and optimization of the Express Scripts acquisition, expansion of digital health solutions, and a focus on value-based care models. Cigna is also actively involved in efforts to manage rising healthcare costs and improve member outcomes.
Summary
Cigna Corp is a leading health services company with a strong presence in both health insurance and pharmacy benefit management. Its Evernorth segment, bolstered by the Express Scripts acquisition, is a key driver of growth and integration. While Cigna benefits from its diversified model and focus on innovation, it faces intense competition and significant regulatory challenges inherent in the healthcare industry. Its continued success will depend on its ability to manage costs, adapt to evolving healthcare models, and leverage its integrated capabilities.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Cigna Corporation Investor Relations
- SEC Filings (10-K, 10-Q)
- Industry Analyst Reports
- Financial News Outlets
Disclaimers:
This analysis is based on publicly available information and is intended for informational purposes only. It does not constitute investment advice. Financial data and market share figures are subject to change and may require verification from the latest official reports. The AI-based rating is an estimation and should not be the sole basis for investment decisions.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Cigna Corp
Exchange NYSE | Headquaters Bloomfield, CT, United States | ||
IPO Launch date 1982-03-31 | CEO & Chair of the Board Mr. David Michael Cordani | ||
Sector Healthcare | Industry Healthcare Plans | Full time employees 71295 | Website https://www.thecignagroup.com |
Full time employees 71295 | Website https://www.thecignagroup.com | ||
The Cigna Group, together with its subsidiaries, provides insurance and related products and services in the United States. Its Evernorth Health Services segment provides a range of coordinated and point solution health services, including pharmacy benefits, home delivery pharmacy, specialty pharmacy, distribution, and care delivery and management solutions to health plans, employers, government organizations, and health care providers. The company's Cigna Healthcare segment offers medical, pharmacy, behavioral health, dental, and other products and services for insured and self-insured customers; Medicare Advantage, Medicare Supplement, and Medicare Part D plans for seniors, as well as individual health insurance plans; and health care coverage in its international markets, as well as health care benefits for mobile individuals and employees of multinational organizations. In addition, it offers permanent insurance contracts sold to corporations to provide coverage on the lives of certain employees for financing employer-paid future benefit obligations and stop loss insurance. The company distributes its products and services through insurance 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.
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