Cigna Corp (CI)vsRoyal Caribbean Cruises Ltd (RCL)
CI
Cigna Corp
$281.98
+2.29%
HEALTHCARE · Cap: $74.83B
RCL
Royal Caribbean Cruises Ltd
$287.08
+8.75%
CONSUMER CYCLICAL · Cap: $70.20B
Smart Verdict
WallStSmart Research — data-driven comparison
Cigna Corp generates 1411% more annual revenue ($277.89B vs $18.39B). RCL leads profitability with a 24.4% profit margin vs 2.3%. CI appears more attractively valued with a PEG of 0.82. RCL earns a higher WallStSmart Score of 74/100 (B).
CI
Strong Buy68
out of 100
Grade: B-
RCL
Strong Buy74
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
Margin of Safety
-56.5%
Fair Value
$213.30
Current Price
$287.08
$73.78 premium
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
Every $100 of equity generates 50 in profit
Large-cap with strong market position
Keeps 24 of every $100 in revenue as profit
Attractively priced relative to earnings
Strong operational efficiency at 26.2%
Earnings expanding 28.9% YoY
Areas to Watch
4.6% revenue growth
2.3% margin — thin
Weak financial health signals
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 : RCL
The strongest argument for RCL centers on Return on Equity, Market Cap, Profit Margin. Profitability is solid with margins at 24.4% and operating margin at 26.2%. Revenue growth of 11.3% demonstrates continued momentum.
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 : RCL
The primary concerns for RCL are Altman Z-Score.
Key Dynamics to Monitor
CI profiles as a value stock while RCL is a mature play — different risk/reward profiles.
RCL carries more volatility with a beta of 1.78 — expect wider price swings.
RCL is growing revenue faster at 11.3% — sustainability is the question.
RCL generates stronger free cash flow (1.3B), providing more financial flexibility.
Bottom Line
RCL scores higher overall (74/100 vs 68/100), backed by strong 24.4% margins and 11.3% revenue growth. 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 →Royal Caribbean Cruises Ltd
CONSUMER CYCLICAL · TRAVEL SERVICES · USA
Royal Caribbean Group, formerly known as Royal Caribbean Cruises Ltd., is an American global cruise holding company incorporated in Liberia and based in Miami, Florida, US.
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