Cigna Corp (CI)vsHDFC Bank Limited ADR (HDB)
CI
Cigna Corp
$281.98
+2.29%
HEALTHCARE · Cap: $74.83B
HDB
HDFC Bank Limited ADR
$25.41
+0.59%
FINANCIAL SERVICES · Cap: $130.40B
Smart Verdict
WallStSmart Research — data-driven comparison
HDFC Bank Limited ADR generates 920% more annual revenue ($2.83T vs $277.89B). HDB leads profitability with a 26.8% profit margin vs 2.3%. CI appears more attractively valued with a PEG of 0.82. HDB earns a higher WallStSmart Score of 68/100 (B-).
CI
Strong Buy68
out of 100
Grade: B-
HDB
Strong Buy68
out of 100
Grade: B-
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+79.8%
Fair Value
$1364.02
Current Price
$281.98
$1082.04 discount
Intrinsic value data unavailable for HDB.
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Large-cap with strong market position
Growing faster than its price suggests
Reasonable price relative to book value
Earnings expanding 29.1% YoY
Strong operational efficiency at 40.5%
Generating 1.7T in free cash flow
Large-cap with strong market position
Keeps 27 of every $100 in revenue as profit
Attractively priced relative to earnings
Areas to Watch
4.6% revenue growth
2.3% margin — thin
Weak financial health signals
Trading at 10.5x book value
Elevated debt levels
Revenue declined 1.8%
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : CI
The strongest argument for CI centers on P/E Ratio, Market Cap, PEG Ratio. PEG of 0.82 suggests the stock is reasonably priced for its growth.
Bull Case : HDB
The strongest argument for HDB centers on Operating Margin, Free Cash Flow, Market Cap. Profitability is solid with margins at 26.8% and operating margin at 40.5%. PEG of 1.01 suggests the stock is reasonably priced for its growth.
Bear Case : CI
The primary concerns for CI are Revenue Growth, Profit Margin, Piotroski F-Score. Thin 2.3% margins leave little buffer for downturns.
Bear Case : HDB
The primary concerns for HDB are Price/Book, Debt/Equity, Revenue Growth.
Key Dynamics to Monitor
CI profiles as a value stock while HDB is a declining play — different risk/reward profiles.
HDB carries more volatility with a beta of 0.49 — expect wider price swings.
CI is growing revenue faster at 4.6% — sustainability is the question.
HDB generates stronger free cash flow (1.7T), providing more financial flexibility.
Bottom Line
CI scores higher overall (68/100 vs 68/100). Both earn "Strong Buy" and "Strong 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.
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).
Visit Website →HDFC Bank Limited ADR
FINANCIAL SERVICES · BANKS - REGIONAL · USA
HDFC Bank Limited offers various banking and financial services to individuals and businesses in India, Bahrain, Hong Kong and Dubai. The company is headquartered in Mumbai, India.
Visit Website →Compare with Other HEALTHCARE PLANS Stocks
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