Cigna Corp (CI)vsCVS Health Corp (CVS)
CI
Cigna Corp
$279.35
-1.32%
HEALTHCARE · Cap: $74.83B
CVS
CVS Health Corp
$82.01
-0.10%
HEALTHCARE · Cap: $105.21B
Smart Verdict
WallStSmart Research — data-driven comparison
CVS Health Corp generates 44% more annual revenue ($399.83B vs $277.89B). CI leads profitability with a 2.3% profit margin vs 0.4%. CVS appears more attractively valued with a PEG of 0.24. CI earns a higher WallStSmart Score of 68/100 (B-).
CI
Strong Buy68
out of 100
Grade: B-
CVS
Buy65
out of 100
Grade: C+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+79.8%
Fair Value
$1364.02
Current Price
$279.35
$1084.67 discount
Margin of Safety
+77.4%
Fair Value
$340.13
Current Price
$82.01
$258.12 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
Earnings expanding 29.1% YoY
Growing faster than its price suggests
Reasonable price relative to book value
Earnings expanding 76.6% YoY
Large-cap with strong market position
Generating 2.6B in free cash flow
Areas to Watch
4.6% revenue growth
2.3% margin — thin
Weak financial health signals
ROE of 2.3% — below average capital efficiency
0.4% margin — thin
Operating margin of 1.6%
Elevated debt levels
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 : CVS
The strongest argument for CVS centers on PEG Ratio, Price/Book, EPS Growth. PEG of 0.24 suggests the stock is reasonably priced for its growth.
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 : CVS
The primary concerns for CVS are Return on Equity, Profit Margin, Operating Margin. A P/E of 59.1x leaves little room for execution misses. Thin 0.4% margins leave little buffer for downturns.
Key Dynamics to Monitor
CVS carries more volatility with a beta of 0.51 — expect wider price swings.
CVS is growing revenue faster at 8.4% — sustainability is the question.
CVS generates stronger free cash flow (2.6B), providing more financial flexibility.
Monitor HEALTHCARE PLANS industry trends, competitive dynamics, and regulatory changes.
Bottom Line
CI scores higher overall (68/100 vs 65/100). CVS offers better value entry with a 77.4% margin of safety. 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 →CVS Health Corp
HEALTHCARE · HEALTHCARE PLANS · USA
CVS Health (previously CVS Corporation and CVS Caremark Corporation) is an American healthcare company that owns CVS Pharmacy, a retail pharmacy chain; CVS Caremark, a pharmacy benefits manager; Aetna, a health insurance provider, among many other brands. The company's headquarters is in Woonsocket, Rhode Island.
Visit Website →Compare with Other HEALTHCARE PLANS Stocks
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