Cigna Corp (CI)vsHumana Inc (HUM)
CI
Cigna Corp
$262.84
-0.65%
HEALTHCARE · Cap: $70.21B
HUM
Humana Inc
$169.90
+2.07%
HEALTHCARE · Cap: $20.49B
Smart Verdict
WallStSmart Research — data-driven comparison
Cigna Corp generates 112% more annual revenue ($274.90B vs $129.66B). HUM leads profitability with a 92.0% profit margin vs 2.2%. CI appears more attractively valued with a PEG of 0.76. CI earns a higher WallStSmart Score of 63/100 (C+).
CI
Buy63
out of 100
Grade: C+
HUM
Buy58
out of 100
Grade: C
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
-74.3%
Fair Value
$150.82
Current Price
$262.84
$112.02 premium
Margin of Safety
-156.9%
Fair Value
$68.27
Current Price
$169.90
$101.63 premium
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
Generating 5.8B in free cash flow
Reasonable price relative to book value
Keeps 92 of every $100 in revenue as profit
Safe zone — low bankruptcy risk
Growing faster than its price suggests
Attractively priced relative to earnings
Areas to Watch
2.2% margin — thin
Operating margin of 3.5%
Weak financial health signals
Earnings declined 9.3%
ROE of 7.0% — below average capital efficiency
Earnings declined 59.3%
Negative free cash flow — burning cash
Operating margin of -1.8%
Comparative Analysis Report
WallStSmart ResearchBull Case : CI
The strongest argument for CI centers on P/E Ratio, Market Cap, PEG Ratio. Revenue growth of 10.4% demonstrates continued momentum. PEG of 0.76 suggests the stock is reasonably priced for its growth.
Bull Case : HUM
The strongest argument for HUM centers on Price/Book, Profit Margin, Altman Z-Score. Profitability is solid with margins at 92.0% and operating margin at -1.8%. Revenue growth of 11.3% demonstrates continued momentum.
Bear Case : CI
The primary concerns for CI are Profit Margin, Operating Margin, Piotroski F-Score. Thin 2.2% margins leave little buffer for downturns.
Bear Case : HUM
The primary concerns for HUM are Return on Equity, EPS Growth, Free Cash Flow.
Key Dynamics to Monitor
CI profiles as a value stock while HUM is a mature play — different risk/reward profiles.
HUM carries more volatility with a beta of 0.41 — expect wider price swings.
HUM is growing revenue faster at 11.3% — sustainability is the question.
CI generates stronger free cash flow (5.8B), providing more financial flexibility.
Bottom Line
CI scores higher overall (63/100 vs 58/100) and 10.4% revenue growth. Both earn "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.
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 →Humana Inc
HEALTHCARE · HEALTHCARE PLANS · USA
Humana Inc. is a for-profit American health insurance company based in Louisville, Kentucky.
Visit Website →Compare with Other HEALTHCARE PLANS Stocks
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