Cigna Corp (CI) Fair Value & Analysis
Healthcare · US · Market cap $77.6B · ISIN US1255231003
What is Cigna Corp really worth?
Cigna Corp
CI · US
A solid business, trading 42% below our fair value of $495.42.
Strengths
Risks
For context
Fair value as of: Sep 2, 2026
From 26 valuation models · updated 2 days ago
Share price +4.5% over the past month.
What runs behind every stock
69 individual criteria per stock, every one traceable See the method →
What matters now
- The price is below even our cautious bear case ($318.23). The market is more pessimistic than our downside scenario.
- Solid quality (67/100) at a price below fair value, the discount is the argument here, not the business quality.
- A fairly wide model range ($318.23 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 Sep 2, 2026.
How to read this chart
60‑month range $175.83 – $353.95 · fair‑value band $318.23 – $619.27 · the $286.26 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 Sep 2, 2026.
Analysis
Cigna Corp (CI) currently trades at $286.26, while our model-based Fair Value estimate is $495.42, implying the stock looks roughly 42.2% undervalued today. The Quality Score stands at 67/100 (solid quality), in the Healthcare sector. Bull case: the DCF Models group reads highest at a median of $563.51 per share, and 19 of the 26 models we run sit above the $286.26 price. Bear case: the Dividend Discount group reads lowest at $98.04, and 7 of the 26 models stay below the price. Evidence for this calculation is high.
Over the trailing twelve months, Cigna Corp 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 Sep 2, 2026
Our scenario range runs from $318.23 (bear case) to $619.27 (bull case); at $286.26, 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 14% below its 52-week high and 22% above its 52-week low, currently above its 200-day average. For context, the median of 10 Healthcare peers we cover trades at −26% fair-value upside, at 73%, CI screens cheaper than that median.
Fair Value models
This estimate rests on fiscal year 2025 figures, and about 8 months have passed since. In that time the company retained roughly $11.84 per share, which is 2.4 % of the fair value. The fair value deliberately does not add this in: the models value reported figures, not a projection.
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted, family-balanced 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. Every input is real reported data, nothing guessed.
All 26 models by family
Widest divergence: DCF Models ($563.51) versus Dividend Discount ($98.04). Highest evidence: FCF DCF (76).
Notify me when CI reaches fair value
Put CI on your watchlist. We get in touch as soon as price and fair value meet or the trend turns.
Set up alert →Free, no payment details. Unsubscribe anytime in one click.
Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Sep 2, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 63 · Market factors (momentum, volatility) 54
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.
All values are scores from 0 to 100 (100 = best against fixed, research-based bands), not percentages. The three market factors (momentum, 52-week proximity, low volatility) are displayed but carry zero weight in the headline number: market sentiment is not a business property.
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
Cigna Corp 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.
of which total revenue +22.8 % · buybacks/dilution −0.8 %
Annual growth per factor. These are factors, not summands: multiplied they give the EPS growth rate, added they do not quite. Start and end points are 3-year averages (details on hover).
Watch CI: get an alert when its fair value changes →
Recent news
External third-party headlines (Yahoo Finance, Reuters and others), not an editorial selection.
- Can Cigna's Smart Coverage Help Close Health-Cost Gaps?
- 2 Reasons to Watch CI and 1 to Stay Cautious
- Cigna Healthcare Connects Medical and Supplemental Benefits To Help People Better Manage Unexpected Health Costs
- Zacks Industry Outlook UnitedHealth, The Cigna, Humana, Centene and Molina
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
Strength profile in five axes (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.
Similar stocks
10 more Healthcare Plans stocks, each showing price versus our Fair Value estimate (as of Sep 2, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| UnitedHealth Group UNH | $395.05 | $292.06 | −26% |
| CVS Health Corporation CVS | $93.06 | $42.25 | −55% |
| Elevance Health, Inc ELV | $399.14 | $426.53 | +7% |
| Humana Inc HUM | $385.54 | $126.42 | −67% |
| Centene Corporation CNC | $64.75 | $111.96 | +73% |
| Molina Healthcare, Inc MOH | $203.06 | $199.31 | −2% |
| Oscar Health, Inc OSCR | $30.93 | $61.86 | +100% |
| Alignment Healthcare, Inc ALHC | $13.52 | $2.37 | −82% |
| Progyny, Inc PGNY | $25.65 | $16.44 | −36% |
| Medi Assist Healthcare Services Limited MEDIASSIST | ₹346.80 | ₹226.12 | −35% |
Compare Cigna Corp with another stock
Price, fair value, quality and upside side by side.
Explore undervalued stocks
More undervalued Healthcare stocks →
Try a ready-made strategy
Pick a strategy and jump into the live analysis with that exact screen applied.
Discover tools
Frequently asked questions
Is Cigna Corp (CI) overvalued or undervalued?
What is the fair value of CI?
What is the quality score of CI?
What is the revenue of Cigna Corp (CI)?
What is the net profit margin of CI?
Does Cigna Corp pay a dividend?
Watch Cigna Corp in the live analysis
One click puts Cigna Corp on your watchlist: fair value and trend at a glance, plus comparison, the diversification check and the 35,000+ stock screener. You can also try 14 days of Pro there, no card.
Watch for free →Zero risk: nothing is ever charged. Your watchlist is yours, with or without an account.