WallStSmart

Cigna Corp (CI)vsSanofi ADR (SNY)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Cigna Corp generates 487% more annual revenue ($277.89B vs $47.35B). SNY leads profitability with a 16.0% profit margin vs 2.3%. CI appears more attractively valued with a PEG of 0.88. CI earns a higher WallStSmart Score of 68/100 (B-).

CI

Strong Buy

68

out of 100

Grade: B-

Growth: 6.7Profit: 5.5Value: 9.3Quality: 5.5
Piotroski: 5/9Altman Z: 2.50

SNY

Buy

51

out of 100

Grade: C-

Growth: 4.0Profit: 7.0Value: 4.7Quality: 6.3
Piotroski: 5/9
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

CIUndervalued (+57.1%)

Margin of Safety

+57.1%

Fair Value

$680.85

Current Price

$289.48

$391.37 discount

UndervaluedFair: $680.85Overvalued
SNYUndervalued (+5.5%)

Margin of Safety

+5.5%

Fair Value

$49.78

Current Price

$44.38

$5.40 discount

UndervaluedFair: $49.78Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

CI5 strengths · Avg: 8.6/10
P/E RatioValuation
11.8x10/10

Attractively priced relative to earnings

Market CapQuality
$77.73B9/10

Large-cap with strong market position

PEG RatioValuation
0.888/10

Growing faster than its price suggests

Price/BookValuation
1.8x8/10

Reasonable price relative to book value

EPS GrowthGrowth
29.1%8/10

Earnings expanding 29.1% YoY

SNY5 strengths · Avg: 8.8/10
Price/BookValuation
1.3x10/10

Reasonable price relative to book value

Market CapQuality
$104.85B9/10

Large-cap with strong market position

Debt/EquityHealth
0.279/10

Conservative balance sheet, low leverage

Operating MarginProfitability
20.0%8/10

Strong operational efficiency at 20.0%

Free Cash FlowQuality
$1.68B8/10

Generating 1.7B in free cash flow

Areas to Watch

CI2 concerns · Avg: 3.5/10
Revenue GrowthGrowth
4.6%4/10

4.6% revenue growth

Profit MarginProfitability
2.3%3/10

2.3% margin — thin

SNY2 concerns · Avg: 2.0/10
PEG RatioValuation
3.812/10

Expensive relative to growth rate

EPS GrowthGrowth
-11.7%2/10

Earnings declined 11.7%

Comparative Analysis Report

WallStSmart Research

Bull Case : CI

The strongest argument for CI centers on P/E Ratio, Market Cap, PEG Ratio. PEG of 0.88 suggests the stock is reasonably priced for its growth.

Bull Case : SNY

The strongest argument for SNY centers on Price/Book, Market Cap, Debt/Equity. Profitability is solid with margins at 16.0% and operating margin at 20.0%.

Bear Case : CI

The primary concerns for CI are Revenue Growth, Profit Margin. Thin 2.3% margins leave little buffer for downturns.

Bear Case : SNY

The primary concerns for SNY are PEG Ratio, EPS Growth.

Key Dynamics to Monitor

CI profiles as a value stock while SNY is a mature play — different risk/reward profiles.

CI carries more volatility with a beta of 0.30 — expect wider price swings.

SNY is growing revenue faster at 6.0% — sustainability is the question.

SNY generates stronger free cash flow (1.7B), providing more financial flexibility.

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).

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Sanofi ADR

HEALTHCARE · DRUG MANUFACTURERS - GENERAL · USA

Sanofi, a healthcare company, is engaged in the research, development, manufacture, and marketing of therapeutic solutions in the United States, Europe, and internationally. The company is headquartered in Paris, France.

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