Alignment Healthcare LLC (ALHC)vsCigna Corp (CI)
ALHC
Alignment Healthcare LLC
$12.61
-1.18%
HEALTHCARE · Cap: $2.81B
CI
Cigna Corp
$280.76
-0.05%
HEALTHCARE · Cap: $74.19B
Smart Verdict
WallStSmart Research — data-driven comparison
Cigna Corp generates 6069% more annual revenue ($282.38B vs $4.58B). CI leads profitability with a 2.3% profit margin vs 0.9%. CI trades at a lower P/E of 11.6x. CI earns a higher WallStSmart Score of 67/100 (B-).
ALHC
Buy60
out of 100
Grade: C
CI
Strong Buy67
out of 100
Grade: B-
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+9.4%
Fair Value
$22.51
Current Price
$12.61
$9.90 discount
Margin of Safety
+58.5%
Fair Value
$676.72
Current Price
$280.76
$395.96 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Revenue surging 31.6% year-over-year
Earnings expanding 142.9% YoY
Attractively priced relative to earnings
Large-cap with strong market position
Growing faster than its price suggests
Reasonable price relative to book value
Areas to Watch
Trading at 9.9x book value
0.9% margin — thin
Operating margin of 3.1%
Elevated debt levels
2.3% margin — thin
Operating margin of 4.0%
Negative free cash flow — burning cash
Comparative Analysis Report
WallStSmart ResearchBull Case : ALHC
The strongest argument for ALHC centers on Revenue Growth, EPS Growth. Revenue growth of 31.6% demonstrates continued momentum.
Bull Case : CI
The strongest argument for CI centers on P/E Ratio, Market Cap, PEG Ratio. PEG of 0.76 suggests the stock is reasonably priced for its growth.
Bear Case : ALHC
The primary concerns for ALHC are Price/Book, Profit Margin, Operating Margin. A P/E of 71.3x leaves little room for execution misses. Thin 0.9% margins leave little buffer for downturns.
Bear Case : CI
The primary concerns for CI are Profit Margin, Operating Margin, Free Cash Flow. Thin 2.3% margins leave little buffer for downturns.
Key Dynamics to Monitor
ALHC profiles as a hypergrowth stock while CI is a value play — different risk/reward profiles.
ALHC carries more volatility with a beta of 1.11 — expect wider price swings.
ALHC is growing revenue faster at 31.6% — sustainability is the question.
ALHC generates stronger free cash flow (-25M), providing more financial flexibility.
Bottom Line
CI scores higher overall (67/100 vs 60/100). Both earn "Strong Buy" and "Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Alignment Healthcare LLC
HEALTHCARE · HEALTHCARE PLANS · USA
Alignment Healthcare, Inc. provides a consumer-centric platform that provides personalized healthcare to seniors in the United States. The company is headquartered in Orange, California.
Cigna Corp
HEALTHCARE · HEALTHCARE PLANS · USA
Cigna is an American multinational managed healthcare and insurance company based in Bloomfield, Connecticut. Its insurance subsidiaries are major providers of medical, dental, disability, life and accident insurance and related products and services, the majority of which are offered through employers and other groups (e.g. governmental and non-governmental organizations, unions and associations).
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