CICI
US • —
$275.68
P/E
11.71
PEG
0.38
FCF Yield
—
Rev Growth YoY
+8.8% YoY
Gross Margin
9.2%
Health Score
6/10
D/E Ratio
0.75
Confidence
LOW
Business Snapshot
The Cigna Group operates as a global health services company, primarily generating revenue through health insurance plans, pharmacy benefits management, and care delivery services. It operates in the highly competitive managed healthcare market, positioning itself as a major player alongside other large diversified health insurers. With a market capitalisation not available in the dataset and TTM revenue also unavailable, a precise sense of its financial scale relative to peers cannot be determined. A defining characteristic of Cigna is its vertically integrated model combining health insurance with a large pharmacy benefit manager (PBM) via Evernorth, which provides cost control leverage.
Financial Health
Cigna operates with a gross margin of 9.2% and a net margin of 2.3%, reflecting the thin-margin nature of the health insurance industry. The debt-to-equity ratio of 0.75x points to a manageable level of financial leverage, though the current ratio of 0.85x indicates that current liabilities exceed current assets, a potential short-term liquidity concern...
Risk Assessment
- EARNINGS QUALITY — The company beat earnings estimates in 0 of the last 4 quarters, indicating a consistent pattern of falling short of analyst expectations.
- DEBT / LIQUIDITY — The current ratio of 0.85x is below 1.0x, suggesting the company may struggle to cover short-term obligations with current assets.
- TECHNICALS — RSI, MACD, and moving average data unavailable for this period; momentum cannot be independently confirmed.
- VALUATION DIVERGENCE — DCF analysis is not possible due to unavailable free cash flow data, leaving valuation entirely dependent on market multiples rather than fundamental cash-flow modelling....
Cigna operates with a gross margin of 9.2% and a net margin of 2.3%, reflecting the thin-margin nature of the health insurance industry. The debt-to-equity ratio of 0.75x points to a manageable level of financial leverage, though the current ratio of 0.85x indicates that current liabilities exceed current assets, a potential short-term liquidity concern. Free cash flow figures are not available in the data, preventing a direct assessment of cash generation or burn. The return on equity of 15.2% shows the company is generating reasonable profits on shareholder equity. Overall, the balance sheet appears adequately managed with moderate debt, but the low current ratio and missing cash flow data introduce uncertainty regarding the company's ability to fund dividends or reinvest aggressively without accessing capital markets.
- EARNINGS QUALITY — The company beat earnings estimates in 0 of the last 4 quarters, indicating a consistent pattern of falling short of analyst expectations. - DEBT / LIQUIDITY — The current ratio of 0.85x is below 1.0x, suggesting the company may struggle to cover short-term obligations with current assets. - TECHNICALS — RSI, MACD, and moving average data unavailable for this period; momentum cannot be independently confirmed. - VALUATION DIVERGENCE — DCF analysis is not possible due to unavailable free cash flow data, leaving valuation entirely dependent on market multiples rather than fundamental cash-flow modelling.
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