WallStSmart

Cigna Corp (CI)vsWaters Corporation (WAT)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Cigna Corp generates 7271% more annual revenue ($277.89B vs $3.77B). WAT leads profitability with a 11.9% profit margin vs 2.3%. CI appears more attractively valued with a PEG of 0.88. CI earns a higher WallStSmart Score of 68/100 (B-).

CI

Strong Buy

68

out of 100

Grade: B-

Growth: 6.7Profit: 5.5Value: 9.3Quality: 5.5
Piotroski: 5/9Altman Z: 2.50

WAT

Buy

50

out of 100

Grade: C-

Growth: 5.3Profit: 5.0Value: 3.3Quality: 7.0
Piotroski: 2/9Altman Z: 4.85
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

CIUndervalued (+57.1%)

Margin of Safety

+57.1%

Fair Value

$680.85

Current Price

$289.48

$391.37 discount

UndervaluedFair: $680.85Overvalued
WATSignificantly Overvalued (-84.6%)

Margin of Safety

-84.6%

Fair Value

$178.29

Current Price

$365.36

$187.07 premium

UndervaluedFair: $178.29Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

CI5 strengths · Avg: 8.6/10
P/E RatioValuation
11.8x10/10

Attractively priced relative to earnings

Market CapQuality
$77.73B9/10

Large-cap with strong market position

PEG RatioValuation
0.888/10

Growing faster than its price suggests

Price/BookValuation
1.8x8/10

Reasonable price relative to book value

EPS GrowthGrowth
29.1%8/10

Earnings expanding 29.1% YoY

WAT2 strengths · Avg: 10.0/10
Revenue GrowthGrowth
91.4%10/10

Revenue surging 91.4% year-over-year

Altman Z-ScoreHealth
4.8510/10

Safe zone — low bankruptcy risk

Areas to Watch

CI2 concerns · Avg: 3.5/10
Revenue GrowthGrowth
4.6%4/10

4.6% revenue growth

Profit MarginProfitability
2.3%3/10

2.3% margin — thin

WAT4 concerns · Avg: 3.5/10
PEG RatioValuation
1.604/10

Expensive relative to growth rate

Price/BookValuation
8.5x4/10

Trading at 8.5x book value

Return on EquityProfitability
2.9%3/10

ROE of 2.9% — below average capital efficiency

Operating MarginProfitability
2.8%3/10

Operating margin of 2.8%

Comparative Analysis Report

WallStSmart Research

Bull Case : CI

The strongest argument for CI centers on P/E Ratio, Market Cap, PEG Ratio. PEG of 0.88 suggests the stock is reasonably priced for its growth.

Bull Case : WAT

The strongest argument for WAT centers on Revenue Growth, Altman Z-Score. Revenue growth of 91.4% demonstrates continued momentum.

Bear Case : CI

The primary concerns for CI are Revenue Growth, Profit Margin. Thin 2.3% margins leave little buffer for downturns.

Bear Case : WAT

The primary concerns for WAT are PEG Ratio, Price/Book, Return on Equity. A P/E of 45.2x leaves little room for execution misses.

Key Dynamics to Monitor

CI profiles as a value stock while WAT is a growth play — different risk/reward profiles.

WAT carries more volatility with a beta of 1.20 — expect wider price swings.

WAT is growing revenue faster at 91.4% — sustainability is the question.

CI generates stronger free cash flow (864M), providing more financial flexibility.

Bottom Line

CI scores higher overall (68/100 vs 50/100). 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).

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Waters Corporation

HEALTHCARE · DIAGNOSTICS & RESEARCH · USA

Waters Corporation is a publicly traded Analytical Laboratory instrument and software company headquartered in Milford, Massachusetts.

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