Company Analysis

The Cigna Group (CI)

NYSE: CI · Hospital & Medical Service Plans · Bloomfield, CT · filing with the SEC since 2018
Grade6.1
◀ Past 6.9● Present 6.0▶ Future 4.8

The grade of The Cigna Group

Nine metrics read from its own filings, by tense
Headline grade
6.1/10
◀ Past6.940% of the headline
● Present6.035% of the headline
▶ Future4.825% of the headline

All three tenses have at least two readings, so the archetype blend applies as printed.

All nine metrics read as filed from the record.

◀ Past

What did they actually do?

6.9/1040% of the headline grade · 3 of 3 filed

Surviving crises

as filed
6.5/10

Has it survived what it has been through?

No warning events in its filings since 2018.

weight 33% of this tense · 65th percentile among 10 sector filers · read for itself

From the record

The Cigna Group's filings since 2018 show no warning events in the scan: no bankruptcy or receivership notice, no debt default notice, no exchange listing notice, no restatement warning, no auditor change, no material cyber incident and no late-report notice (its current reports).

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Track record

as filed
6.9/10

What has it actually done, year after year?

+23.9% a year over 10 filed years; profitable in 10 of 10.

weight 22% of this tense · 69th percentile among 10 sector filers · read for its customers

From the record

The Cigna Group's 10 filed years say what it did: revenue went from $40 billion in fiscal 2016 to $275 billion in fiscal 2025, up 23.9% a year; it rose in 9 of 9 years; it never fell from a peak; net income was positive in 10 of 10 of those years (its annual reports).

What it rests on

  • revenue growth over the filed span23.9%top 45% of its family
  • the share of years revenue rosetop 30% of its family
  • the share of filed years with a profittop 20% of its family
  • the deepest fall from a revenue peak0.0%top 30% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Shareholder treatment

as filed
7.3/10

How has it treated the people who own it?

Share count shrank 5.0% a year. 55% of cash flow returned. Insiders: 20 sales, 1 purchases.

weight 45% of this tense · 73rd percentile among 9 sector filers · read for its shareholders

From the record

Over the 3 fiscal years to 2025-12-31, The Cigna Group's diluted share count shrank about 5.0% a year, and dividends and buybacks returned about 55% of its operating cash flow over 3 years (its filed statements). Its officers and directors filed 20 sales (19 under scheduled 10b5-1 plans) and 1 purchase of their own stock on the open market in the year to 2026-09-30, buying about $1000 thousand (their Form 4 filings).

What it rests on

  • the share count over the yearstop 15% of its family
  • cash returned against operating cash flowtop 39% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

● Present

What are they doing right now?

6.0/1035% of the headline grade · 3 of 3 filed

Financial health

as filed
6.4/10

Is it financially healthy right now?

ROE 15%: 15¢ of profit per shareholder dollar. Leverage 73%: owes 73¢ per asset dollar.

weight 45% of this tense · 64th percentile among 10 sector filers · read for itself

From the record

Return on equity: in the fiscal year ended 2025-12-31, The Cigna Group earned about 15 cents of profit for every dollar of shareholders' money, and gross profitability: its products earned about 38 cents per dollar of everything the company owns (revenue less the cost of revenue). Leverage: it owed about 73 cents per dollar of assets, and net share issuance: its share count shrank 5.2% over the year (the filed statements).

What it rests on

  • what it owes per dollar of assetsbottom 45% of its family
  • return on equitytop 5% of its family
  • gross profit against assetsbottom 42% of its family
  • the share count against the year beforetop 25% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Industry position

as filed
7.2/10

How strong is its position in its industry?

top 28% of 10 in its family; net margin 2.3%.

weight 33% of this tense · 72nd percentile among 10 sector filers · read for its customers

From the record

The Cigna Group's standing among 10 graded names in its industry family: revenue of $275 billion in fiscal 2025 ranks in the top 15% by size; a net margin of 2.3% ranks in the top 25%; revenue growth of 15% a year over the last 3 filed years ranks in the top 45% (its annual reports).

What it rests on

  • revenue against the family$274.9Btop 15% of its family
  • net margin2.3%top 25% of its family
  • three-year revenue growth15.0%top 45% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Leadership

as filed
3.4/10

What are the people in charge doing?

bottom 34% of 10 in its family for leadership; chief executive since 2026.

weight 22% of this tense · 34th percentile among 10 sector filers · read for its shareholders

From the record

The Cigna Group's leadership, from its insiders' filings and its current reports: the chief executive on the record is Evanko, Brian C (President and Chief Executive Officer, as filed), filing under that title since 2026-09-03, 2 months (bottom 6% of its family); the 24 officers and directors filing in the last fifteen months have been on the record a median of 5.5 years (top 39%); 11 officer or director changes were reported on Form 8-K since 2023-11-13, against the 24 people in charge now (bottom 35%; fewer changes for each person reads higher) (the Form 4 record, its Form 8-K reports). Years count from a person's first filing in the SEC's data sets, which begin in 2006, so each is a floor.

What it rests on

  • officer and director changes on Form 8-K, against the people in charge11 in three years among 24 peoplebottom 35% of its family
  • the median years the people in charge have filed5.5 yearstop 39% of its family
  • the chief executive's years on the record2 monthsbottom 6% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

▶ Future

What are they set up to do next?

4.8/1025% of the headline grade · 3 of 3 filed

Room to expand

as filed
5.3/10

How much room does it have to grow?

top 47% of 10 in its family for room to expand.

weight 33% of this tense · 53rd percentile among 10 sector filers · read for itself

From the record

The Cigna Group's room to grow, from the newest filed statements (fiscal 2025): cash of $7.7 billion against debt of $31 billion leaves -14.7% of its assets as net cash, bottom 35% of its family; cash from operations less capital spending is 3.5% of revenue (top 35%); a gross margin of 21.8% (top 42%) (its annual report).

What it rests on

  • cash less debt against assets-14.7%bottom 35% of its family
  • cash from operations less capital spending against revenue3.5%top 35% of its family
  • gross margin21.8%top 42% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Growth drivers

as filed
4.2/10

What could actually drive growth from here?

bottom 42% of 10 in its family for growth drivers.

weight 33% of this tense · 42nd percentile among 10 sector filers · read for its customers

From the record

The Cigna Group's growth drivers, from the filed years to fiscal 2025: revenue grew 15% a year over the last three filed years against 23.9% over all 10, slowing (bottom 15% of its family); the newest year grew 11.2% (bottom 15%); capital spending grew 31.6% a year (top 5%) (its annual reports). The Cigna Group reported 3 lines of business in fiscal 2025: Evernorth at $235 billion, Cigna Healthcare at $47 billion, All Other at $674 million. 1 of 3 grew in the latest filed year, and the largest line is 83% of revenue (its annual report).

What it rests on

  • three-year growth against the whole span-8.9 points a yearbottom 15% of its family
  • the newest year's revenue growth11.2%bottom 15% of its family
  • three-year growth of capital spending31.6%top 5% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Expectations vs reality

as filed
4.8/10

Did its newest year beat what its own record pointed to?

bottom 48% of 10 in its family for expectations against reality.

weight 33% of this tense · 48th percentile among 10 sector filers · read for its shareholders

From the record

The Cigna Group's newest year against its own record: revenue of $275 billion in fiscal 2025 came in 4.9% below the $289 billion its prior three years' pace pointed to (bottom 25% of its family); net income of $6.3 billion against a prior three-year average of $5.3 billion (top 35%); a net margin of 2.3% against 2.7% before (top 45%) (its annual reports).

What it rests on

  • revenue against the prior three years' pace-4.9%bottom 25% of its family
  • net income against the prior three years' average+18%top 35% of its family
  • net margin against its prior average-0.4 pointstop 45% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

The grade is the company against its own industry, from its filings. It is not a view on the share price. How the grade is made

SI Assistanton CI · research, not advice