Cigna Corp (CI)vsPayPal Holdings Inc (PYPL)
CI
Cigna Corp
$281.98
+2.29%
HEALTHCARE · Cap: $74.83B
PYPL
PayPal Holdings Inc
$46.27
-0.47%
FINANCIAL SERVICES · Cap: $45.38B
Smart Verdict
WallStSmart Research — data-driven comparison
Cigna Corp generates 738% more annual revenue ($277.89B vs $33.17B). PYPL leads profitability with a 15.8% profit margin vs 2.3%. CI appears more attractively valued with a PEG of 0.82. PYPL earns a higher WallStSmart Score of 78/100 (B+).
CI
Strong Buy68
out of 100
Grade: B-
PYPL
Strong Buy78
out of 100
Grade: B+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+79.8%
Fair Value
$1364.02
Current Price
$281.98
$1082.04 discount
Intrinsic value data unavailable for PYPL.
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
Attractively priced relative to earnings
Every $100 of equity generates 26 in profit
Growing faster than its price suggests
Reasonable price relative to book value
Earnings expanding 39.4% YoY
Generating 2.2B in free cash flow
Areas to Watch
4.6% revenue growth
2.3% margin — thin
Weak financial health signals
3.7% revenue growth
Distress zone — elevated risk
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 : PYPL
The strongest argument for PYPL centers on P/E Ratio, Return on Equity, PEG Ratio. Profitability is solid with margins at 15.8% and operating margin at 17.5%. PEG of 0.91 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 : PYPL
The primary concerns for PYPL are Revenue Growth, Altman Z-Score.
Key Dynamics to Monitor
PYPL carries more volatility with a beta of 1.40 — expect wider price swings.
CI is growing revenue faster at 4.6% — sustainability is the question.
PYPL generates stronger free cash flow (2.2B), providing more financial flexibility.
Monitor HEALTHCARE PLANS industry trends, competitive dynamics, and regulatory changes.
Bottom Line
PYPL scores higher overall (78/100 vs 68/100), backed by strong 15.8% margins. CI offers better value entry with a 79.8% margin of safety. Both earn "Strong Buy" and "Strong 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 →PayPal Holdings Inc
FINANCIAL SERVICES · CREDIT SERVICES · USA
PayPal Holdings, Inc. is an American company operating an online payments system in the majority of countries that support online money transfers, and serves as an electronic alternative to traditional paper methods like checks and money orders. The company operates as a payment processor for online vendors, auction sites, and many other commercial users, for which it charges a fee.
Visit Website →Compare with Other HEALTHCARE PLANS Stocks
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