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Cigna CI

Cigna scores average on business quality (5.1 of 10). Here is why, in plain words, and what our sealed record shows.

Last price$282.43Oct 10, 2026
Business qualityAverage
Next earningsNov 5, 2026, before the open
Insiders, 90 daysQuiet

Why it matters

  1. What Cigna does

    Cigna makes money by providing pharmacy services and health insurance benefits, charging employers and government clients premiums and fees for care management. The business is leaning into specialized pharmacy solutions through Evernorth to expand its reach.

  2. What it does best

    Cigna excels at generating top-line expansion, posting 11.2% revenue growth that beats CVS at 7.9%. This scale in pharmacy services locks in corporate clients through integrated care networks.

  3. The main risk

    Industry-wide job shedding in insurance points to labor cost pressures that threaten margins if administrative expenses outpace premium adjustments.

Quality, check by check

Scored against its own industry, from company filings.

ProfitabilityWeak

Operating margin sits at 3.9% and net margin at 2.3%, pointing to thin profitability where scale does not translate into rich earnings.

MoatFair

Cigna holds a bottom-quartile gross margin of 9.1%, limiting its pricing power compared to higher-margin lab peers like DGX.

GrowthFast

Revenue growth of 11.2% shows the top line scaling higher, continuing a multi-year climb from $160B in 2020.

Financial healthFair

Debt-to-equity of 0.8 and interest coverage of 7.7x mean debt costs are manageable, backed by $9.1B in free cash flow.

Insiders

Executives and directors, from SEC Form 4 filings we read ourselves. Open market trades only; grants, option exercises and pre-planned sales left out.

No open market buys or unplanned sales by executives or directors.

Our sealed record on CI

Verdicts appear here 30 days after we publish them; members see today's. Each one is in the nightly ledger, fingerprinted the night it was made.

The first sealed verdicts appear here on Oct 11, 2026.

Questions

Is CI a good business?

Cigna scores average on the Cluenex quality check (5.1 of 10), measured against its own industry. Profitability is weak, moat fair, growth fast and financial health fair.

Are insiders buying CI?

In the last 90 days of SEC Form 4 filings: No open market buys or unplanned sales by executives or directors.

When does CI report earnings?

Nov 5, 2026, before the open.

For members

See CI today

  • Today's verdict on CI, and why
  • Fair value with cautious, base and optimistic cases
  • The exact price that would change the verdict
  • Which stocks each signal names, the night it fires
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Cite this page: Cluenex, “Cigna (CI)”, https://cluenex.com/stocks/ci/, data as of Oct 10, 2026.