WallStSmart

Cigna Corp (CI)vsToyota Motor Corporation ADR (TM)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Toyota Motor Corporation ADR generates 18055% more annual revenue ($50.45T vs $277.89B). TM leads profitability with a 7.3% profit margin vs 2.3%. CI appears more attractively valued with a PEG of 0.82. CI earns a higher WallStSmart Score of 68/100 (B-).

CI

Strong Buy

68

out of 100

Grade: B-

Growth: 6.7Profit: 6.0Value: 9.3Quality: 4.8
Piotroski: 2/9

TM

Buy

55

out of 100

Grade: C

Growth: 5.3Profit: 5.0Value: 6.3Quality: 5.0
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

CIUndervalued (+79.8%)

Margin of Safety

+79.8%

Fair Value

$1364.02

Current Price

$281.98

$1082.04 discount

UndervaluedFair: $1364.02Overvalued

Intrinsic value data unavailable for TM.

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

CI5 strengths · Avg: 8.6/10
P/E RatioValuation
12.0x10/10

Attractively priced relative to earnings

Market CapQuality
$74.83B9/10

Large-cap with strong market position

PEG RatioValuation
0.828/10

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

TM2 strengths · Avg: 10.0/10
Market CapQuality
$228.08B10/10

Mega-cap, among the largest globally

P/E RatioValuation
10.8x10/10

Attractively priced relative to earnings

Areas to Watch

CI3 concerns · Avg: 3.3/10
Revenue GrowthGrowth
4.6%4/10

4.6% revenue growth

Profit MarginProfitability
2.3%3/10

2.3% margin — thin

Piotroski F-ScoreQuality
2/93/10

Weak financial health signals

TM4 concerns · Avg: 3.3/10
PEG RatioValuation
1.544/10

Expensive relative to growth rate

Price/BookValuation
16.1x4/10

Trading at 16.1x book value

Profit MarginProfitability
7.3%3/10

7.3% margin — thin

EPS GrowthGrowth
-42.3%2/10

Earnings declined 42.3%

Comparative Analysis Report

WallStSmart Research

Bull Case : CI

The strongest argument for CI centers on P/E Ratio, Market Cap, PEG Ratio. PEG of 0.82 suggests the stock is reasonably priced for its growth.

Bull Case : TM

The strongest argument for TM centers on Market Cap, P/E Ratio.

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 : TM

The primary concerns for TM are PEG Ratio, Price/Book, Profit Margin.

Key Dynamics to Monitor

TM carries more volatility with a beta of 0.36 — expect wider price swings.

TM is growing revenue faster at 8.6% — sustainability is the question.

CI generates stronger free cash flow (864M), providing more financial flexibility.

Monitor HEALTHCARE PLANS industry trends, competitive dynamics, and regulatory changes.

Bottom Line

CI scores higher overall (68/100 vs 55/100). 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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Toyota Motor Corporation ADR

CONSUMER CYCLICAL · AUTO MANUFACTURERS · USA

Toyota Motor Corporation designs, manufactures, assembles and sells passenger cars, minivans and commercial vehicles, and related parts and accessories. The company is headquartered in Toyota, Japan.

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