CI · NYSE · STOCK
Cigna (CI) Stock Analysis
$282.30
52W $239.51 – $311.34
59/100
$74.63B
11.6
0.30
⚠
Buy rating, but near-term risk/reward is unfavorable
The long-term recommendation is based on the composite investment score. The near-term risk/reward is based on nearby support and resistance levels. These can differ when a strong company trades close to resistance with support further below.
Is CI Bullish or Bearish?
Bullish.
Innellis AI committee rates Cigna (CI) Buy with a composite score of 59/100
, based on 6 analysts with 50% agreement.
Last updated October 10, 2026.
What Would Change This View
- Upgrade to Strong Buy
- Requires a committee score of 75.0 — +15.61 from today. Applies on the first day at or above the line; upgrades are never dampened.
- Downgrade to Watch
- Requires the score to fall below 55.0 — -4.39 from today. The band boundary is 60.0, 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. News Analyst sees a compelling case — news sentiment is positive (+0.40 across 31 articles, 14d). Portfolio Manager remains cautious — sector concentration is already high (hhi 2796.97). This disagreement is itself the signal — the setup is not clean in either direction.
Bull & Bear Case
Bull Case
- P/E of 11.8 is inexpensive for the broad market — Value
- ROE of 15.2% shows genuine earnings power backing the valuation — Value
- EPS growing 31.7% YoY — Growth
- Quarter-over-quarter growth rate is ACCELERATING, not just positive — Growth
- MACD histogram positive -- bullish momentum — Technical
- News sentiment is positive (+0.40 across 31 articles, 14d) — News
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 October 10, 2026
Overall Committee Score
59/100
Agreement
50%
Analysts
6
Conviction
Contested
Sector Rank
Top 35%
of 192 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 11.8 is inexpensive for the broad market
Growth Analyst
neutral
58
/ 100 · High confidence
Moderate growth -- present but not remarkable
+ EPS growing 31.7% YoY
− 5 consecutive earnings misses -- execution concerns
Technical Analyst
neutral
58
/ 100 · High confidence
Mixed or range-bound price action
+ MACD histogram positive -- bullish 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
65
/ 100 · Low confidence
Macro backdrop is supportive of risk assets generally, and this name's beta works in its favor
News Analyst
bullish
70
/ 100 · Low confidence
News flow and recent filings/analyst actions are net positive
+ News sentiment is positive (+0.40 across 31 articles, 14d)
Portfolio Manager
bearish
30
/ 100 · Moderate confidence
The existing book itself argues for caution here, independent of how good this specific stock looks
− Sector concentration is already high (HHI 2796.97)
Investment Thesis Evolution
Committee score moved marginally from 59.0 to 59.4.
- Bullish support removed: 3 signal(s) disappeared.
- New bullish signals: 2 appeared.
- Bearish pressure eased: 2 signal(s) disappeared.
Analyst-level changes:
- News Analyst: +1 bullish signal(s).
- Value Analyst: +1 bullish signal(s).
Comparing 2026-10-09 to 2026-10-10 (1 day apart).
Technical Analysis
RSI (14)
67.9
Neutral
MACD Histogram
1.312
Bullish Momentum
Trend Direction
Sideways
Weekly: Downtrend
Market Structure
Lh Ll
Support
$273.24
Resistance
$288.82
Bollinger %B
0.76
Inside Bands
Price vs Moving Averages
EMA 9
$276.48
Above
EMA 21
$275.99
Above
EMA 50
$278.06
Above
EMA 200
$282.24
Above
Fundamental Analysis
Valuation
99
Growth
39
Profitability
30
Financial Health
46
Cash Flow
70
Valuation
P/E Ratio
11.6×
P/B Ratio
1.75×
PEG Ratio
0.37
Dividend Yield
2.19%
52W High
$311.34
52W Low
$239.51
Quality & Growth
ROE
1428.1%
ROA
377.2%
Gross Margin
1166.1%
Operating Margin
345.6%
Revenue Growth YoY
—
Debt / Equity
0.75
AI Fundamental Assessment
P/E ratio of 11.6 (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 14.3%; Return on assets of 3.8%; Net margin of 2.3%; Gross margin of 11.7%; Current ratio of 0.85 (tight short-term liquidity); Debt-to-equity of 0.75; Free cash flow per share is positive (34.52); 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
Get the Full CI Analysis
Interactive charts · Live committee votes · Trade plan · Paper trading · AI Q&A
Open in Terminal →