What is the AI rating for CI?

Cigna Group (CI) has an AI rating of BUY with 72% confidence, based on fundamental analysis of SEC EDGAR filings.

What are the key strengths of CI?

Strong top-line growth of 11.2% YoY revenue expansion to $274.9B demonstrates market share gains and operational scale. Robust free cash flow generation of $8.6B provides capital flexibility for debt reduction, dividends, and strategic investments. Solid ROE of 14.3% and ROA of 3.8% indicate efficient deployment of shareholder capital and assets despite thin margins

What are the risks of investing in CI?

Concerning liquidity position with current ratio of 0.85x and quick ratio of 0.72x below 1.0x indicates potential near-term working capital pressures. Compressed net margin of 2.2% and operating margin of 3.3% leave limited pricing power and vulnerability to cost inflation in healthcare. Net income declined 5.3% YoY despite 11.2% revenue growth, signaling margin compression and rising operational costs outpacing revenue gains

CI Stock Analysis - Cigna Group AI Rating & Fundamentals

Name: Cigna Group (CI) Stock
Brand: Cigna Group
Rating: 4 (1 reviews)

Investment Thesis

Cigna demonstrates solid fundamental health with strong revenue growth of 11.2% YoY and robust free cash flow generation of $8.6B, though profitability margins remain compressed at 2.2% net margin typical of the insurance industry. The company maintains reasonable leverage at 0.74x debt-to-equity with adequate interest coverage of 6.6x, supported by consistent operating cash flow exceeding capex requirements.

CI Strengths

+ Strong top-line growth of 11.2% YoY revenue expansion to $274.9B demonstrates market share gains and operational scale
+ Robust free cash flow generation of $8.6B provides capital flexibility for debt reduction, dividends, and strategic investments
+ Solid ROE of 14.3% and ROA of 3.8% indicate efficient deployment of shareholder capital and assets despite thin margins
+ Adequate interest coverage ratio of 6.6x and moderate leverage at 0.74x debt-to-equity provide financial stability

CI Risks

! Concerning liquidity position with current ratio of 0.85x and quick ratio of 0.72x below 1.0x indicates potential near-term working capital pressures
! Compressed net margin of 2.2% and operating margin of 3.3% leave limited pricing power and vulnerability to cost inflation in healthcare
! Net income declined 5.3% YoY despite 11.2% revenue growth, signaling margin compression and rising operational costs outpacing revenue gains
! High long-term debt of $30.9B represents 74% of equity, constraining financial flexibility and requiring consistent cash generation to service obligations

Key Metrics to Watch

* Net margin trend - monitor if operating leverage improves margins despite industry headwinds
* Free cash flow sustainability - ensure operating cash flow remains robust above $9B annually
* Current ratio improvement - critical to monitor working capital management and liquidity position
* Revenue growth deceleration - watch if 11.2% growth rate proves sustainable or reflects one-time factors

CI Financial Metrics

Revenue

$274.9B

Net Income

$6.0B

EPS (Diluted)

$22.18

Free Cash Flow

$8.6B

Total Assets

$157.9B

Cash Position

$7.7B

CI Profitability Ratios

Gross Margin N/A

Operating Margin 3.3%

Net Margin 2.2%

ROE 14.3%

ROA 3.8%

FCF Margin 3.1%

CI Balance Sheet & Liquidity

Current Ratio

0.85x

Quick Ratio

0.72x

Debt/Equity

0.74x

Debt/Assets

73.5%

Interest Coverage

6.57x

Long-term Debt

$30.9B

Disclaimer: This analysis is generated by Claude AI based on publicly available SEC EDGAR filings. It does not include stock price data and should not be considered financial advice. All fundamental data is sourced from SEC public domain filings. Always conduct your own research and consult with a qualified financial advisor before making investment decisions.

Data Source: SEC EDGAR | Analysis Date: Mar 18, 2026 | Data as of: 2025-12-31 | Powered by Claude AI