Cigna Corp (CI)vsHumana Inc (HUM)
CI
Cigna Corp
$280.76
-0.05%
HEALTHCARE · Cap: $74.19B
HUM
Humana Inc
$409.80
+2.26%
HEALTHCARE · Cap: $46.96B
Smart Verdict
WallStSmart Research — data-driven comparison
Cigna Corp generates 94% more annual revenue ($282.38B vs $145.68B). CI leads profitability with a 2.3% profit margin vs 0.9%. CI appears more attractively valued with a PEG of 0.76. CI earns a higher WallStSmart Score of 67/100 (B-).
CI
Strong Buy67
out of 100
Grade: B-
HUM
Buy60
out of 100
Grade: C+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+58.5%
Fair Value
$676.72
Current Price
$280.76
$395.96 discount
Margin of Safety
+8.5%
Fair Value
$425.30
Current Price
$409.80
$15.50 discount
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
Safe zone — low bankruptcy risk
Reasonable price relative to book value
Revenue surging 26.2% year-over-year
Earnings expanding 27.1% YoY
Areas to Watch
2.3% margin — thin
Operating margin of 4.0%
Negative free cash flow — burning cash
Expensive relative to growth rate
Premium valuation, high expectations priced in
ROE of 6.7% — below average capital efficiency
0.9% margin — thin
Comparative Analysis Report
WallStSmart ResearchBull 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.
Bull Case : HUM
The strongest argument for HUM centers on Altman Z-Score, Price/Book, Revenue Growth. Revenue growth of 26.2% demonstrates continued momentum.
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.
Bear Case : HUM
The primary concerns for HUM are PEG Ratio, P/E Ratio, Return on Equity. Thin 0.9% margins leave little buffer for downturns.
Key Dynamics to Monitor
CI profiles as a value stock while HUM is a growth play — different risk/reward profiles.
HUM carries more volatility with a beta of 0.74 — expect wider price swings.
HUM is growing revenue faster at 26.2% — sustainability is the question.
HUM generates stronger free cash flow (-558M), 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.
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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