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CI vs UNH

CI
The Cigna Group
NEUTRAL
Price
$267.11
Market Cap
$71.35B
Sector
Healthcare
AI Confidence
80%
UNH
UnitedHealth Group Incorporated
NEUTRAL
Price
$323.48
Market Cap
$293.61B
Sector
Healthcare
AI Confidence
85%

Valuation

P/E Ratio
CI
12.05
UNH
24.43
Forward P/E
CI
7.99
UNH
16.08
P/B Ratio
CI
1.69
UNH
3.11
P/S Ratio
CI
0.26
UNH
0.66
EV/EBITDA
CI
7.74
UNH
16.47

Profitability

Gross Margin
CI
9.3%
UNH
18.53%
Operating Margin
CI
3.53%
UNH
0.34%
Profit Margin
CI
2.17%
UNH
2.69%
ROE
CI
15.13%
UNH
12.54%
ROA
CI
4.09%
UNH
3.9%

Growth

Revenue Growth
CI
10.4%
UNH
12.3%
Earnings Growth
CI
-9.3%
UNH
-99.9%

Financial Health

Debt/Equity
CI
0.75
UNH
0.82
Current Ratio
CI
0.85
UNH
0.79
Quick Ratio
CI
0.67
UNH
0.7

Dividends

Dividend Yield
CI
2.34%
UNH
2.73%
Payout Ratio
CI
27.23%
UNH
65.99%

AI Verdict

CI NEUTRAL

CI shows neutral fundamentals based on deterministic rules. Financial strength is stable (F-Score 4/9). Mixed signals with both opportunities and risks present.

Strengths
Attractive valuation with P/E of 12.0
Strong ROE of 15.1%
Risks
Low profit margin of 2.2%
UNH NEUTRAL

UnitedHealth Group presents a conflicted profile with a stable but mediocre Piotroski F-Score of 4/9 and a significant disconnect between current price ($323.48) and defensive fair value (Graham Number: $175.91). While revenue growth remains robust at 12.3%, the company has suffered a catastrophic collapse in YoY earnings growth (-99.9%), suggesting severe short-term headwinds or one-time accounting shocks. Technical trends are currently bearish (0/100), though a recent one-month bounce and a favorable Forward P/E of 16.08 indicate analyst expectations of a recovery. The stock is currently trading at a significant premium to its intrinsic value, relying heavily on its market dominance and future earnings normalization.

Strengths
Strong consistent revenue growth (12.3% YoY)
Manageable Debt/Equity ratio of 0.82
Attractive Forward P/E (16.08) compared to current P/E (24.43)
Risks
Extreme earnings volatility (YoY Earnings Growth -99.9%)
Poor liquidity indicated by a Current Ratio of 0.79
Extremely thin operating margins (0.34%)

Compare Another Pair

CI vs UNH: Head-to-Head Comparison

This page compares The Cigna Group (CI) and UnitedHealth Group Incorporated (UNH) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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