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CI (The Cigna Group) Financial Strength : 6 (As of Mar. 2025)


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What is The Cigna Group Financial Strength?

The Cigna Group has the Financial Strength Rank of 6.

GuruFocus Financial Strength Rank measures how strong a company's financial situation is. It is rated on a scale of 1 to 10 and is based on these factors:

1. The debt burden that the company has as measured by its Interest Coverage (current year). The higher, the better.
2. Debt to revenue ratio. The lower, the better.
3. Altman Z-Score.
4. Other debt related ratios.

A higher score indicates a stronger financial position, with companies rated 7 or above considered financially stable and unlikely to face distress. Conversely, a score of 3 or below suggests potential financial difficulties, indicating a higher risk of distress.

The Cigna Group's Interest Coverage for the quarter that ended in Mar. 2025 was 5.55. The Cigna Group's debt to revenue ratio for the quarter that ended in Mar. 2025 was 0.12. Altman Z-Score does not apply to banks and insurance companies.


The Cigna Group Financial Strength Calculation

GuruFocus Financial Strength Rank measures how strong a company's financial situation is. It is based on these factors

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

1. The debt burden that the company has as measured by its Interest Coverage (current year). The higher, the better.

Note: If both Interest Expense and Interest Income are empty, while Net Interest Income is negative, then use Net Interest Income as Interest Expense.

Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income (EBIT) by its Interest Expense:

The Cigna Group's Interest Expense for the months ended in Mar. 2025 was $-362 Mil. Its Operating Income for the months ended in Mar. 2025 was $0 Mil. And its Long-Term Debt & Capital Lease Obligation for the quarter that ended in Mar. 2025 was $26,455 Mil.

The Cigna Group's Interest Coverage for the quarter that ended in Mar. 2025 is

The higher the ratio, the stronger the company's financial strength is.

2. Debt to revenue ratio. The lower, the better.

The Cigna Group's Debt to Revenue Ratio for the quarter that ended in Mar. 2025 is

Debt to Revenue Ratio=Total Debt (Q: Mar. 2025 ) / Revenue
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / Revenue
=(3993 + 26455) / 262000
=0.12

3. Altman Z-Score.

Z-Score model is an accurate forecaster of failure up to two years prior to distress. It can be considered the assessment of the distress of industrial corporations.

The zones of discrimination were as such:

When Z-Score is less than 1.81, it is in Distress Zones.
When Z-Score is greater than 2.99, it is in Safe Zones.
When Z-Score is between 1.81 and 2.99, it is in Grey Zones.

Altman Z-Score does not apply to banks and insurance companies.

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.


The Cigna Group  (NYSE:CI) Financial Strength Explanation

The rank is rated on a scale of 1 to 10. A higher score indicates a stronger financial position, with companies rated 7 or above considered financially stable and unlikely to face distress. Conversely, a score of 3 or below suggests potential financial difficulties, indicating a higher risk of distress.

The Cigna Group has the Financial Strength Rank of 6.


The Cigna Group Financial Strength Related Terms

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The Cigna Group Business Description

Address
900 Cottage Grove Road, Bloomfield, CT, USA, 06002
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 with the Department of Defense (current contract through 2029), and it recently won a multiyear deal with top-tier insurer Centene. In health insurance and other benefits, Cigna primarily serves employers through self-funding arrangements, and the company operates mostly in the US with 17 million US and 2 million international medical members covered as of December 2024.
Executives
Elder Granger director 5176 S. LEWISTON WAY, CENTENNIAL CO 80015
Noelle K Eder officer: EVP, CIO 1680 CAPITAL ONE DRIVE, MCLEAN VA 22102
David Cordani director, officer: President & CEO THE CIGNA GROUP, 900 COTTAGE GROVE ROAD, BLOOMFIELD CT 06002
Nicole S Jones officer: EVP, General Counsel 1601 CHESTNUT STREET, SHAREHOLDER SERVICES TL18Y, PHILADELPHIA PA 19192
Delaney William J Iii director 1390 ENCLAVE PARKWAY, HOUSTON TX 77077
Michael W Triplett officer: President, US Markets 1601 CHESTNUT STREET, SHAREHOLDER SERVICES TL05Y, PHILADELPHIA PA 19192
Brian C Evanko officer: President Government Business 1601 CHESTNUT STREET, SHAREHOLDER SERVICES TL05Y, PHILADELPHIA PA 19192
Agoglia Hoeltzel Mary T officer: VP & Chief Accounting Officer 1601 CHESTNUT STREET, TWO LIBERTY PLACE, PHILADELPHIA PA 19192
Eric P Palmer officer: EVP, Chief Financial Officer 1601 CHESTNUT STREET, SHAREHOLDER SERVICES TL05Y, PHILADELPHIA PA 19192
Cynthia Ryan officer: EVP, CHRO 1601 CHESTNUT STREET, SHAREHOLDER SERVICES TL05Z, PHILADELPHIA PA 19192
Everett Neville officer: EVP, Strategy and Business Dev ONE EXPRESS WAY, ST. LOUIS MO 63121
Paul A Sanford officer: EVP Operations 1601 CHESTNUT STREET, SHAREHOLDER SERVICES TL05Z, PHILADELPHIA PA 19192
Phillip Ozuah director 30 HUDSON STREET, FLOOR 33, JERSEY CITY NJ 07302
Donna F Zarcone director C/O HARLEY DAVIDSON, 3700 W. JUNEAU AVE, MILWAUKEE WI 53208
Jason D Sadler officer: Pres., International Markets 1601 CHESTNUT STREET, SHAREHOLDER SERVICES TL05Y, PHILADELPHIA PA 19192