Cigna Corp (CI)vsPNC Financial Services Group Inc (PNC)
CI
Cigna Corp
$281.98
+2.29%
HEALTHCARE · Cap: $74.83B
PNC
PNC Financial Services Group Inc
$222.42
+0.36%
FINANCIAL SERVICES · Cap: $89.03B
Smart Verdict
WallStSmart Research — data-driven comparison
Cigna Corp generates 1106% more annual revenue ($277.89B vs $23.04B). PNC leads profitability with a 31.3% profit margin vs 2.3%. CI appears more attractively valued with a PEG of 0.82. PNC earns a higher WallStSmart Score of 75/100 (B).
CI
Strong Buy68
out of 100
Grade: B-
PNC
Strong Buy75
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 PNC.
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
Reasonable price relative to book value
Keeps 31 of every $100 in revenue as profit
Strong operational efficiency at 36.7%
Large-cap with strong market position
Attractively priced relative to earnings
Generating 2.3B in free cash flow
Areas to Watch
4.6% revenue growth
2.3% margin — thin
Weak financial health signals
Expensive relative to growth rate
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 : PNC
The strongest argument for PNC centers on Price/Book, Profit Margin, Operating Margin. Profitability is solid with margins at 31.3% and operating margin at 36.7%. Revenue growth of 13.8% demonstrates continued momentum.
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 : PNC
The primary concerns for PNC are PEG Ratio, Altman Z-Score.
Key Dynamics to Monitor
CI profiles as a value stock while PNC is a mature play — different risk/reward profiles.
PNC carries more volatility with a beta of 0.96 — expect wider price swings.
PNC is growing revenue faster at 13.8% — sustainability is the question.
PNC generates stronger free cash flow (2.3B), providing more financial flexibility.
Bottom Line
PNC scores higher overall (75/100 vs 68/100), backed by strong 31.3% margins and 13.8% revenue growth. CI offers better value entry with a 79.8% margin of safety. 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 →PNC Financial Services Group Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
PNC Financial Services Group, Inc. (stylized as PNC) is a bank holding company and financial services corporation based in Pittsburgh, Pennsylvania. Its banking subsidiary, PNC Bank, operates in 21 states and the District of Columbia with 2,296 branches and 9,051 ATMs. The company also provides financial services such as asset management, wealth management, estate planning, loan servicing, and information processing.
Visit Website →Compare with Other HEALTHCARE PLANS Stocks
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