Cigna primarily provides pharmacy benefit management and health insurance services. Its PBM and specialty pharmacy services, which were greatly expanded by its 2018 merger with Express Scripts, are mostly sold to health insurance plans and employers. Its largest PBM contract is the Department of Defense, and it recently won a deal with top-tier insurer Centene. In health insurance and other benefits, Cigna mostly serves employers through self-funding arrangements, and the company operates mostly in the US with 18 million US medical members covered as of December 2023.

Financial Strength

6/10

Name	Current	Vs Industry
Cash-To-Debt	0.25
Equity-to-Asset	0.3
Debt-to-Equity	0.67
Debt-to-EBITDA	3.1
Interest Coverage	4.81
Piotroski F-Score	5/9	0 1 2 3 4 5 6 7 8 9
Beneish M-Score	-6.86	Manipulator Not Manipulator
WACC vs ROIC		WACC ROIC

Growth Rank

9/10

	Name	Current	Vs Industry		Vs History
	3-Year Revenue Growth Rate	14.7
	3-Year EBITDA Growth Rate	-6.4
	3-Year EPS without NRI Growth Rate	10.8
	3-Year FCF Growth Rate	11.1
	3-Year Book Growth Rate	3.7
	Future 3-5Y EPS without NRI Growth Rate	11.95
	Future 3-5Y Total Revenue Growth Rate	10.1

Momentum Rank

2/10

	Name	Current	Vs Industry		Vs History
	5-Day RSI	92
	9-Day RSI	89.24
	14-Day RSI	86.42
	6-1 Month Momentum %	17.41
	12-1 Month Momentum %	39.23

Liquidity Ratio

	Name	Current	Vs Industry		Vs History

Dividend & Buy Back

	Name	Current	Vs Industry		Vs History
	Dividend Yield %	1.06
	Dividend Payout Ratio	0.16
	3-Year Dividend Growth Rate	397.3
	Forward Dividend Yield %	1.08
	5-Year Yield-on-Cost %	480.91
	3-Year Average Share Buyback Ratio	6.2
	Shareholder Yield %	4

Profitability Rank

6/10

	Name	Current	Vs Industry		Vs History
	Net Margin %	2.65
	FCF Margin %	5.32
	ROE %	11.4
	ROA %	3.47
	ROIC %	6.28
	Years of Profitability over Past 10-Year	10

GF Value Rank

6/10

	Name	Current	Vs Industry		Vs History
	PE Ratio	20.38
	Forward PE Ratio	12.52
	PE Ratio without NRI	14.12
	Shiller PE Ratio	22.97
	Price-to-Owner-Earnings	11.76
	PEG Ratio	1.44
	PS Ratio	0.54
	PB Ratio	2.24
	Price-to-Free-Cash-Flow	10.29
	Price-to-Operating-Cash-Flow	8.91
	EV-to-EBIT	17.74
	EV-to-Forward-EBIT	12.63
	EV-to-EBITDA	12.35
	EV-to-Forward-EBITDA	10.2
	EV-to-Revenue	0.62
	EV-to-Forward-Revenue	0.53
	EV-to-FCF	12.08
	Price-to-Projected-FCF	0.72
	Price-to-Median-PS-Value	0.72
	Price-to-Peter-Lynch-Fair-Value	1.27
	Earnings Yield (Greenblatt) %	5.64
	FCF Yield %	10.18
	Forward Rate of Return (Yacktman) %	17.77

GF Value: R$439.43

BSP:C1IC34

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