NASDAQ · STOCK
Cigna
$279.03
52W $239.51 – $315.47
57/100
$73.82B
11.5
0.30
Is CI Bullish or Bearish?
Mixed.
Innellis AI committee rates Cigna (CI) Watch with a composite score of 57/100
, based on 7 analysts with 43% agreement.
Last updated August 01, 2026.
What Would Change This View
- Upgrade to Buy
- Requires a committee score of 60.0 — +3.19 from today. Applies on the first day at or above the line; upgrades are never dampened.
- Downgrade to Reduce
- Requires the score to fall below 40.0 — -16.81 from today. The band boundary is 45.0, but a one-step downgrade must clear a further margin first. A score oscillating around the line should not change the rating every night.
Executive Summary
The committee is genuinely divided. Value Analyst sees a compelling case — p/e of 11.7 is inexpensive for the broad market. Risk Analyst remains cautious — current ratio of 0.85 is tight -- limited short-term liquidity cushion. This disagreement is itself the signal — the setup is not clean in either direction.
Bull & Bear Case
Bull Case
- P/E of 11.7 is inexpensive for the broad market — Value
- ROE of 15.2% shows genuine earnings power backing the valuation — Value
- EPS growing 30.5% YoY — Growth
- Quarter-over-quarter growth rate is ACCELERATING, not just positive — Growth
- Price structure making higher highs and higher lows — Technical
- Trend and market structure agree -- coherent bullish picture — Technical
Bear Case
- 5 consecutive earnings misses -- execution concerns — Growth
- MACD histogram negative -- bearish momentum — Technical
- Current ratio of 0.85 is tight -- limited short-term liquidity cushion — Risk
Both cases are generated from quantitative data signals, not qualitative or
forward-looking judgement. They summarise what the numbers say today.
Price History (6M)
AI Investment Committee
Committee Consensus
As of August 01, 2026
Overall Committee Score
57/100
Agreement
43%
Analysts
7
Conviction
Contested
Sector Rank
Top 53%
of 93 Healthcare peers
Value Analyst
bullish
70
/ 100 · Moderate confidence
Classic value case: cheap on multiples with earnings power to back it up
+ P/E of 11.7 is inexpensive for the broad market
Growth Analyst
neutral
58
/ 100 · High confidence
Moderate growth -- present but not remarkable
+ EPS growing 30.5% YoY
− 5 consecutive earnings misses -- execution concerns
Technical Analyst
neutral
58
/ 100 · High confidence
Mixed or range-bound price action
+ Price structure making higher highs and higher lows
− MACD histogram negative -- bearish momentum
Risk Analyst
bearish
35
/ 100 · Low confidence
Elevated risk from leverage, volatility, event exposure, or portfolio concentration -- size accordingly
− Current ratio of 0.85 is tight -- limited short-term liquidity cushion
Macro Analyst
bullish
70
/ 100 · Moderate confidence
Macro backdrop is supportive of risk assets generally, and this name's beta works in its favor
+ Market regime is bullish (Bull market -- normal position sizing)
News Analyst
bullish
62
/ 100 · Low confidence
News flow and recent filings/analyst actions are net positive
Portfolio Manager
neutral
45
/ 100 · High confidence
Portfolio-level factors are mixed -- worth a deliberate sizing decision, not a default-size position
+ Portfolio position concentration is currently healthy
− Sector concentration is already high (HHI 2535.03)
Investment Thesis Evolution
Committee score moved marginally from 56.5 to 56.8.
- New bearish signals: 3 appeared.
- Bullish support removed: 2 signal(s) disappeared.
- New bullish signals: 1 appeared.
- Bearish pressure eased: 2 signal(s) disappeared.
- Analyst(s) changed stance: Macro Analyst, Technical Analyst.
Analyst-level changes:
- Macro Analyst: stance neutral->bullish; score 58->70 (+12).
- Portfolio Manager: +2 bearish signal(s).
- Technical Analyst: stance bullish->neutral; score 68->58 (-10); +1 bearish signal(s).
- Value Analyst: +1 bullish signal(s).
Comparing 2026-07-31 to 2026-08-01 (1 day apart).
Technical Analysis
RSI (14)
36.6
Neutral
MACD Histogram
-0.678
Bearish Momentum
Trend Direction
Uptrend
Weekly: Sideways
Market Structure
Hh Hl
Support
$273.24
Resistance
$288.82
Bollinger %B
0.12
Inside Bands
Price vs Moving Averages
EMA 9
$288.91
Below
EMA 21
$288.81
Below
EMA 50
$286.88
Below
EMA 200
$285.43
Below
Fundamental Analysis
Valuation
99
Growth
39
Profitability
0
Financial Health
46
Cash Flow
37
Valuation
P/E Ratio
11.5×
P/B Ratio
1.73×
PEG Ratio
0.36
Dividend Yield
0.02%
52W High
$315.47
52W Low
$239.51
Quality & Growth
ROE
14.3%
ROA
3.8%
Gross Margin
31.7%
Operating Margin
27.9%
Revenue Growth YoY
—
Debt / Equity
0.75
AI Fundamental Assessment
P/E ratio of 11.5 (inexpensive relative to a 15-40x range); Price-to-book of 1.7x; PEG ratio of 0.4 (under 1.0 suggests growth is undervalued relative to price); Return on equity of 0.1%; Return on assets of 0.0%; Net margin of 0.0%; Gross margin of 0.3%; Current ratio of 0.85 (tight short-term liquidity); Debt-to-equity of 0.75; Free cash flow margin of 0.9% (thin cash generation); Free cash flow per share is positive (33.30); Most recent quarter missed estimates by 0.6%; 5 consecutive earnings misses; EPS growth accelerating (-3.6% -> -0.1% QoQ); Average YoY EPS growth of 8.1%; Analyst estimates falling over recent quarters
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