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Cigna

CI Healthcare Unknown Updated July 31, 2026
$279.03
52W $239.51 – $315.47
56/100
$73.82B
11.5
0.30
AI Committee Verdict
Watch
Conviction: Contested · 43% agreement · 7 analysts
+3.5%
-2.1%
1.69:1
Contested

Is CI Bullish or Bearish?

Mixed. Innellis AI committee rates Cigna (CI) Watch with a composite score of 56/100 , based on 7 analysts with 43% agreement. Last updated July 31, 2026.

What Would Change This View

Upgrade to Buy
Requires a committee score of 60.0 — +3.55 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 — -16.45 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 12.0 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 12.0 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
  • MACD histogram positive -- bullish momentum — Technical
Bear Case
  • 5 consecutive earnings misses -- execution concerns — Growth
  • 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 July 31, 2026
Overall Committee Score
56/100
Agreement
43%
Analysts
7
Conviction
Contested
Sector Rank
Top 45%
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 12.0 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 bullish
68 / 100 · High confidence
Price action is constructive -- trend and momentum agree
+ Price structure making higher highs and higher lows
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 neutral
58 / 100 · Moderate confidence
Macro backdrop is mixed or neutral -- not a strong tailwind or headwind either way
+ 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 2744.14)
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Investment Thesis Evolution

Committee score moved marginally from 55.7 to 56.5.

Analyst-level changes:
  • Growth Analyst: score 45->58 (+12); +1 bearish signal(s); +1 bullish signal(s).
  • Macro Analyst: stance bullish->neutral; score 65->58 (-8); +1 bullish signal(s).
  • Portfolio Manager: +2 bearish signal(s).

Comparing 2026-07-30 to 2026-07-31 (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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Explore CI Further

📈 Rating History 💰 Earnings 📰 Recent Events 🔄 What Changed 📖 Thesis Evolution 🔍 Similar Stocks
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