3.55%
6.12%
-6.92%
-15.96%
-2.63%
27.15%
52.32%
AI Spotlight on CI
Company Description
Cigna Corporation provides insurance and related products and services in the United States.Its Evernorth segment provides a range of coordinated and point solution health services, including pharmacy, benefits management, care delivery and management, and intelligence solutions to health plans, employers, government organizations, and health care providers.The company's Cigna Healthcare segment offers medical, pharmacy, behavioral health, dental, vision, health advocacy programs, 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 to on and off the public exchanges; and health care coverage in its international markets, as well as health care benefits for mobile individuals and employees of multinational organizations.
The company also offers permanent insurance contracts sold to corporations to provide coverage on the lives of certain employees for financing employer-paid future benefit obligations.It 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 founded in 1792 and is headquartered in Bloomfield, Connecticut.
Market Data
| Last Price | 293.04 |
| Change Percentage | 3.55% |
| Open | 284.71 |
| Previous Close | 282.98 |
| Market Cap ( Millions) | 81509 |
| Volume | 2351821 |
| Year High | 370.83 |
| Year Low | 262.03 |
| M A 50 | 299.22 |
| M A 200 | 330.44 |
Financial Ratios
| FCF Yield | 6.36% |
| Dividend Yield | 1.91% |
| ROE | 7.12% |
| Debt / Equity | 77.92% |
| Net Debt / EBIDTA | 288.90% |
| Price To Book | 1.94 |
| Price Earnings Ratio | 26.84 |
| Price To FCF | 15.72 |
| Price To sales | 0.35 |
| EV / EBITDA | 11.64 |
News
- Jan -30 - Why Cigna Stock Is Plummeting Today
- Jan -30 - Cigna Q4 Earnings Miss Estimates on Decline in Medical Membership
- Jan -30 - The Cigna Group (CI) Q4 2024 Earnings Call Transcript
- Jan -30 - Cigna (CI) Reports Q4 Earnings: What Key Metrics Have to Say
- Jan -30 - Cigna (CI) Lags Q4 Earnings Estimates
- Jan -30 - Cigna misses quarterly profit estimates on higher medical costs
- Jan -30 - The Cigna Group Reports Fourth Quarter and Full Year 2024 Results, Establishes 2025 Outlook and Increases Dividend
- Jan -30 - Cigna 2024 Profits Eclipse $3 Billion Despite Rising Costs
- Jan -29 - Cigna Healthcare, Providence to Broaden Southern California Network
- Jan -29 - Cigna to take steps to lower out-of-pocket costs of prescription drugs
- Jan -29 - Evernorth Announces New Cost and Transparency Protections for its Express Scripts Patients
- Jan -29 - Bet on These 5 Top-Ranked Stocks With Rising P/E
- Jan -28 - Can The Magnificent 7 Maintain An Upbeat Earnings Season?
- Jan -28 - Rising Medical Costs to Affect Cigna Q4 Earnings? Check Estimates Here
- Jan -18 - Cigna: Buy The Drop On This Undervalued Growth Stock
- Jan -16 - Focus On Costs, Regulatory Outlook For Health Insurers In Q4'24 Earnings Season
- Jan -15 - FTC Report Reveals PBM Practices Impacting Competition and Drug Costs
- Jan -14 - The Cigna Group's Fourth Quarter 2024 Earnings Release Details
- Jan -13 - Cigna Healthcare Expands Access to Fertility and Family-Building Benefits and Services
- Jan -12 - Market Madness: 3 Blue-Chip Dividend Steals You Can't Ignore
Business Breakdown
Expected Mid-Term Growth
Segment n°1 -> Evernorth Health Services
Expected Growth : 6.5 %
What the company do ?
Why we expect these perspectives ?
Evernorth Health Services' 6.5% growth is driven by increasing demand for healthcare services, expansion of its pharmacy benefit management business, and strategic acquisitions. Additionally, the shift towards value-based care and growing adoption of digital health solutions contribute to its growth. Furthermore, Cigna's strong brand reputation and diversified customer base also support Evernorth's growth momentum.
Segment n°2 -> Cigna Healthcare
Expected Growth : 6.8 %
What the company do ?
Why we expect these perspectives ?
Cigna Healthcare's 6.8% growth is driven by increasing demand for healthcare services, expansion into new markets, and strategic acquisitions. Additionally, the company's focus on preventive care, wellness programs, and cost-effective solutions resonates with customers, leading to increased membership and revenue growth.
Segment n°3 -> Other
Expected Growth : 5.5 %
What the company do ?
Why we expect these perspectives ?
Cigna's 5.5% growth in 'Other' segment is driven by increasing demand for supplemental health benefits, expansion of voluntary benefits offerings, and strategic partnerships. Additionally, growth in disability and life insurance products, as well as favorable claims experience, contribute to this growth.
Segment n°4 -> Corporate and Eliminations
Expected Growth : 4.0 %
What the company do ?
Why we expect these perspectives ?
Cigna Corporation's Corporate and Eliminations segment growth of 4.0% is driven by strategic investments in digital transformation, expansion of global health services, and effective cost management. Additionally, the company's focus on improving operational efficiency, enhancing customer experience, and investing in growth initiatives have contributed to this growth.
Cigna Corporation Products
| Product Range | What is it ? |
|---|---|
| Individual and Family Plans | Cigna's individual and family plans offer flexible and affordable health insurance options for individuals and families who are not covered by an employer-sponsored plan. |
| Group Health Insurance | Cigna's group health insurance plans provide employers with customizable health insurance options for their employees, including medical, dental, and vision coverage. |
| Medicare Advantage Plans | Cigna's Medicare Advantage plans offer seniors and individuals with disabilities a range of health insurance options that combine Medicare Parts A and B with additional benefits. |
| Medicare Supplement Insurance | Cigna's Medicare Supplement insurance plans help fill the gaps in Original Medicare coverage, providing additional financial protection and peace of mind. |
| Dental Insurance | Cigna's dental insurance plans provide individuals and families with access to a network of dentists and coverage for routine cleanings, fillings, and other dental services. |
| Vision Insurance | Cigna's vision insurance plans offer individuals and families coverage for eye exams, glasses, and contact lenses, as well as discounts on LASIK and other vision services. |
| Life Insurance | Cigna's life insurance plans provide individuals and families with financial protection in the event of a loved one's passing, helping to cover final expenses and ensure a secure future. |
| Accident Insurance | Cigna's accident insurance plans provide individuals and families with financial protection in the event of an unexpected accident, helping to cover medical expenses and lost income. |
| Critical Illness Insurance | Cigna's critical illness insurance plans provide individuals and families with financial protection in the event of a serious illness, such as cancer, heart attack, or stroke. |
| Expatriate Health Insurance | Cigna's expatriate health insurance plans provide individuals and families living abroad with access to a network of healthcare providers and facilities worldwide. |
Cigna Corporation's Porter Forces
Threat Of Substitutes
Cigna Corporation operates in the health insurance industry, where substitutes are limited. However, with the increasing popularity of telemedicine and online health services, there is a growing threat of substitutes. Nevertheless, the complexity and regulatory requirements of the health insurance industry make it difficult for new substitutes to emerge, hence a medium score.
Bargaining Power Of Customers
Cigna Corporation's customers are largely individuals and employers who purchase health insurance plans. While customers have some bargaining power, the complexity of health insurance plans and the lack of transparency in the industry limit their ability to negotiate prices or switch providers easily, resulting in a low score.
Bargaining Power Of Suppliers
Cigna Corporation relies on a network of healthcare providers, including hospitals, doctors, and other medical professionals. While these suppliers have some bargaining power, Cigna's large size and market presence give it significant negotiating power, resulting in a medium score.
Threat Of New Entrants
The health insurance industry is heavily regulated, and new entrants face significant barriers to entry, including high capital requirements, complex regulatory requirements, and the need to establish a network of healthcare providers. These barriers limit the threat of new entrants, resulting in a low score.
Intensity Of Rivalry
The health insurance industry is highly competitive, with several large players competing for market share. Cigna Corporation faces intense competition from rivals such as UnitedHealth Group, Anthem, and Aetna, which drives down prices and increases marketing expenses, resulting in a high score.
Capital Structure
| Value | |
|---|---|
| Debt Weight | 40.12% |
| Debt Cost | 4.71% |
| Equity Weight | 59.88% |
| Equity Cost | 6.61% |
| WACC | 5.85% |
| Leverage | 67.00% |
Cigna Corporation : Quality Control
Cigna Corporation passed 4 out of 9 key points:
Historical Valuation
Price/Earnings Ratio
Margin Valuation
Peers Valuation
Competitors
| Company | Rational |
|---|---|
| UNH | UnitedHealth Group Incorporated operates as a diversified health care company in the United States. It operates through four segments: UnitedHealthcare, Optum Health, Optum Insight, and Optum Rx. The UnitedHealthcare segment … |
| CVS | CVS Health Corporation provides health services in the United States. The company's Health Care Benefits segment offers traditional, voluntary, and consumer-directed health insurance products and related services. It serves employer … |
| HUM | Humana Inc., together with its subsidiaries, operates as a health and well-being company in the United States. It operates through three segments: Retail, Group and Specialty, and Healthcare Services. The … |
| ELV | Elevance Health Inc. operates as a health benefits company. It supports consumers, families, and communities across the entire care journey connecting to the care, support, and resources to lead healthier … |
| CNC | Centene Corporation operates as a multi-national healthcare enterprise that provides programs and services to under-insured and uninsured individuals in the United States. Its Managed Care segment offers health plan coverage … |
Peers Metrics
DCF BETA
Expected Cash-Flows
Scoring Insights
Peers Group Analysis
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Cigna
A-Score
1-Year Total Return ->
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UnitedHealth
A-Score
1-Year Total Return ->
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Elevance Health
A-Score
1-Year Total Return ->
4
CVS Health
A-Score
1-Year Total Return ->
5
Centene
A-Score
1-Year Total Return ->
6
