Cigna Corp (CI)vsUniversal Corporation (UVV)
CI
Cigna Corp
$270.36
+1.69%
HEALTHCARE · Cap: $71.02B
UVV
Universal Corporation
$51.95
+1.11%
CONSUMER DEFENSIVE · Cap: $1.32B
Smart Verdict
WallStSmart Research — data-driven comparison
Cigna Corp generates 9102% more annual revenue ($274.90B vs $2.99B). UVV leads profitability with a 3.7% 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+
UVV
Buy61
out of 100
Grade: C+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
-79.3%
Fair Value
$150.76
Current Price
$270.36
$119.60 premium
Margin of Safety
+74.6%
Fair Value
$207.79
Current Price
$51.95
$155.84 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
Generating 5.8B in free cash flow
Attractively priced relative to earnings
Reasonable price relative to book value
Earnings expanding 32.0% YoY
Areas to Watch
2.2% margin — thin
Operating margin of 3.5%
Weak financial health signals
Earnings declined 9.3%
Smaller company, higher risk/reward
3.7% margin — thin
Expensive relative to growth rate
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 : UVV
The strongest argument for UVV centers on P/E Ratio, Price/Book, EPS Growth.
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 : UVV
The primary concerns for UVV are Market Cap, Profit Margin, PEG Ratio. Thin 3.7% margins leave little buffer for downturns.
Key Dynamics to Monitor
UVV carries more volatility with a beta of 0.67 — expect wider price swings.
CI is growing revenue faster at 10.4% — sustainability is the question.
CI generates stronger free cash flow (5.8B), providing more financial flexibility.
Monitor HEALTHCARE PLANS industry trends, competitive dynamics, and regulatory changes.
Bottom Line
CI scores higher overall (63/100 vs 61/100) and 10.4% revenue growth. UVV offers better value entry with a 74.6% margin of safety. 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 →Universal Corporation
CONSUMER DEFENSIVE · TOBACCO · USA
Universal Corporation processes and supplies leaf tobacco and plant ingredients worldwide. The company is headquartered in Richmond, Virginia.
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