Cigna Corp (CI)vsNovartis AG ADR (NVS)
CI
Cigna Corp
$301.06
-1.52%
HEALTHCARE · Cap: $75.35B
NVS
Novartis AG ADR
$159.85
-0.64%
HEALTHCARE · Cap: $290.96B
Smart Verdict
WallStSmart Research — data-driven comparison
Cigna Corp generates 390% more annual revenue ($277.89B vs $56.69B). NVS leads profitability with a 22.5% profit margin vs 2.3%. CI appears more attractively valued with a PEG of 0.87. CI earns a higher WallStSmart Score of 68/100 (B-).
CI
Strong Buy68
out of 100
Grade: B-
NVS
Buy51
out of 100
Grade: C-
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+55.2%
Fair Value
$671.92
Current Price
$301.06
$370.86 discount
Margin of Safety
-68.7%
Fair Value
$92.54
Current Price
$159.85
$67.31 premium
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Large-cap with strong market position
Growing faster than its price suggests
Attractively priced relative to earnings
Reasonable price relative to book value
Earnings expanding 29.1% YoY
Mega-cap, among the largest globally
Every $100 of equity generates 35 in profit
Strong operational efficiency at 31.8%
Keeps 23 of every $100 in revenue as profit
Generating 2.9B in free cash flow
Areas to Watch
4.6% revenue growth
2.3% margin — thin
0.8% revenue growth
Grey zone — moderate risk
Elevated debt levels
Expensive relative to growth rate
Comparative Analysis Report
WallStSmart ResearchBull Case : CI
The strongest argument for CI centers on Market Cap, PEG Ratio, P/E Ratio. PEG of 0.87 suggests the stock is reasonably priced for its growth.
Bull Case : NVS
The strongest argument for NVS centers on Market Cap, Return on Equity, Operating Margin. Profitability is solid with margins at 22.5% and operating margin at 31.8%.
Bear Case : CI
The primary concerns for CI are Revenue Growth, Profit Margin. Thin 2.3% margins leave little buffer for downturns.
Bear Case : NVS
The primary concerns for NVS are Revenue Growth, Altman Z-Score, Debt/Equity.
Key Dynamics to Monitor
NVS carries more volatility with a beta of 0.49 — expect wider price swings.
CI is growing revenue faster at 4.6% — sustainability is the question.
NVS generates stronger free cash flow (2.9B), providing more financial flexibility.
Monitor HEALTHCARE PLANS industry trends, competitive dynamics, and regulatory changes.
Bottom Line
CI scores higher overall (68/100 vs 51/100). 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).
Visit Website →Novartis AG ADR
HEALTHCARE · DRUG MANUFACTURERS - GENERAL · USA
Novartis AG researches, develops, manufactures and markets medical devices worldwide. The company is headquartered in Basel, Switzerland.
Visit Website →Compare with Other HEALTHCARE PLANS Stocks
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