CNC vs HUM vs CI
161 measures in 16 categories, one definition each, computed from filings and market data.
CI61.3
Cigna Corporation
Healthcare · Medical - Healthcare Plans
$302.30 +1.24%$79.9B mkt cap
Score DNA
Price, rebased to 100 three years ago
CNC HUM CI · weekly adjusted closesSmart money 8Valuation 16Profitability (TTM) 12Returns on capital 11Growth 17Margin history & stability 7Liquidity (latest quarter) 7Leverage & solvency (latest quarter) 13Efficiency 11Cash flow & earnings quality 7Dividends & buybacks 9Scores & forensic checks 15Per share 7Size (TTM) 8Price performance 9Technicals 4
● marks the highest or lowest value where that direction is plainly stronger (margins, returns, coverage, leverage); multiples and yields are left unmarked. Bars show each stock's percentile within its own industry. n/a: the measure does not apply to lenders and insurers.
Smart money
8 measures| Measure | CNC | HUM | CI |
|---|---|---|---|
| Insider open-market buys, 180d | 0 | 0 | 0 |
| Insider $ bought, 180d | — | — | — |
| Congress purchases, 180d | 0 | 1 | 3 |
| Last Congress purchase | — | 2026-03-27 | 2026-09-11 |
| 13F net change in holders | +137 | +144 | +41 |
| ETFs adding shares, 30d | 1,235 | 1,202 | 1,436 |
| ETFs trimming, 30d | 935 | 992 | 1,155 |
| Net ETF funds, 30d | +300 | +210 | +281 |
Valuation
16 measures| Measure | CNC | HUM | CI |
|---|---|---|---|
| P/E (TTM) | — | 38.8x
86th
|
12.5x
0th
|
| PEG (P/E ÷ 3-yr EPS CAGR) | — | — | 4.75 |
| Price / sales | 0.2x
0th
|
0.3x
40th
|
0.3x
20th
|
| Price / book | 1.5x
10th
|
2.6x
40th
|
1.9x
20th
|
| Price / tangible book | 4.2x
12th
|
5.5x
38th
|
— |
| Price / free cash flow | 3.8x
11th
|
— | 8.8x
33rd
|
| Price / operating cash flow | 3.5x
10th
|
337.6x
100th
|
7.8x
20th
|
| Enterprise value | $23.2B
50th
|
$40.0B
60th
|
$105.5B
80th
|
| EV / sales | 0.1x
10th
|
0.3x
30th
|
0.4x
50th
|
| EV / EBITDA | — | 12.9x
38th
|
8.5x
12th
|
| EV / EBIT | — | 17.3x
62nd
|
10.7x
12th
|
| EV / free cash flow | 2.6x
11th
|
— | 11.6x
44th
|
| Earnings yield | -14.9%
0th
|
2.6%
40th
|
8.0%
100th
|
| FCF yield | 26.2%
90th
|
-0.9%
0th
|
11.4%
70th
|
| Operating cash flow yield | 28.6%
90th
|
0.3%
0th
|
12.9%
80th
|
| Graham number (per share) | — | $194.43
57th
|
$297.16
86th
|
Profitability (TTM)
12 measures| Measure | CNC | HUM | CI |
|---|---|---|---|
| Gross margin | 16.1%
50th
|
13.7%
30th
|
11.7%
10th
|
| EBITDA margin | -1.4%
0th
|
2.1%
40th
|
4.4%
80th
|
| Operating margin | -2.8%
0th
|
1.4%
40th
|
3.5%
60th
|
| EBIT margin | -2.1%
0th
|
1.6%
40th
|
3.5%
70th
|
| Net margin | -2.6%
0th
|
0.9%
30th
|
2.3%
60th
|
| NOPAT margin | -2.2%
0th
|
1.1%
30th
|
2.8%
60th
|
| FCF margin | 4.6%
70th
|
-0.3%
0th
|
3.2%
50th
|
| Operating cash flow margin | 5.0%
70th
|
0.1%
0th
|
3.6%
40th
|
| R&D / revenue | 0.0%
0th
|
0.0%
0th
|
0.0%
0th
|
| SG&A / revenue | 6.9%
60th
|
2.7%
10th
|
4.9%
40th
|
| Stock comp / revenue | 0.1%
20th
|
0.2%
40th
|
0.0%
0th
|
| Effective tax rate | 21.0%
70th
|
18.5%
60th
|
17.8%
50th
|
Returns on capital
11 measures| Measure | CNC | HUM | CI |
|---|---|---|---|
| ROE (on average equity) | -20.4%
0th
|
6.8%
40th
|
15.5%
60th
|
| ROA | -6.0%
0th
|
2.4%
40th
|
4.2%
70th
|
| ROIC | -37.1%
10th
|
17.2%
90th
|
11.8%
60th
|
| ROCE | -9.4%
0th
|
6.8%
40th
|
9.7%
70th
|
| Return on tangible assets | -4.7%
0th
|
4.3%
40th
|
6.4%
70th
|
| Cash ROIC (OCF / invested capital) | 84.1%
86th
|
1.5%
0th
|
15.1%
29th
|
| Gross profitability (GP / assets) | 37.6%
50th
|
34.8%
40th
|
21.0%
0th
|
| ROIC, 3-yr average | -5.4%
17th
|
— | 7.5%
50th
|
| ROIC, 5-yr average | 3.2%
29th
|
-118.6%
0th
|
8.3%
57th
|
| ROE, 5-yr average | 2.6%
30th
|
13.2%
60th
|
12.6%
50th
|
| Incremental ROIC | 94.0%
70th
|
14.0%
20th
|
110.8%
80th
|
Growth
17 measures| Measure | CNC | HUM | CI |
|---|---|---|---|
| Revenue growth (TTM YoY) | 8.7%
60th
|
18.3%
70th
|
7.7%
50th
|
| Revenue growth (QoQ) | -11.2%
0th
|
3.1%
50th
|
4.6%
60th
|
| Revenue CAGR, 3 yr | 9.4%
40th
|
13.8%
70th
|
14.9%
80th
|
| Revenue CAGR, 5 yr | 10.4%
30th
|
12.6%
50th
|
11.1%
40th
|
| Gross profit CAGR, 3 yr | 22.7%
80th
|
-41.4%
0th
|
11.8%
60th
|
| Operating income CAGR, 3 yr | — | -21.0%
17th
|
6.3%
67th
|
| Net income growth (TTM YoY) | — | -18.9%
0th
|
27.9%
80th
|
| Net income CAGR, 3 yr | — | -27.7%
0th
|
-1.3%
60th
|
| EPS growth (TTM YoY) | — | -19.0%
0th
|
29.9%
80th
|
| EPS CAGR, 3 yr | — | -26.8%
0th
|
2.6%
60th
|
| EPS CAGR, 5 yr | — | -11.2%
0th
|
0.6%
40th
|
| FCF growth (TTM YoY) | 730.4%
100th
|
— | 131.1%
50th
|
| FCF CAGR, 3 yr | 5.4%
56th
|
— | -7.2%
33rd
|
| Operating cash flow CAGR, 3 yr | 4.4%
60th
|
-77.7%
0th
|
-7.3%
40th
|
| Book value CAGR, 3 yr | -0.9%
0th
|
5.7%
50th
|
1.8%
20th
|
| Dividend CAGR, 3 yr | — | 1.2%
25th
|
4.8%
100th
|
| Sustainable growth rate | — | 4.5%
14th
|
11.6%
57th
|
Margin history & stability
7 measures| Measure | CNC | HUM | CI |
|---|---|---|---|
| Gross margin, 3-yr average | 12.0%
30th
|
71.2%
80th
|
11.4%
10th
|
| Operating margin, 3-yr average | 0.0%
20th
|
1.8%
40th
|
3.7%
70th
|
| Net margin, 3-yr average | 0.1%
20th
|
1.2%
40th
|
2.0%
70th
|
| FCF margin, 3-yr average | 2.2%
60th
|
-0.9%
20th
|
2.8%
70th
|
| Revenue stability (0-1) | 0.99
90th
|
0.97
50th
|
0.93
10th
|
| Earnings stability (0-1) | 0.25
60th
|
0.58
90th
|
0.21
40th
|
| Margin stability (0-1) | 0.78
40th
|
0.53
10th
|
0.90
80th
|
Liquidity (latest quarter)
7 measures| Measure | CNC | HUM | CI |
|---|---|---|---|
| Cash & short-term investments | $27.1B
80th
|
$23.9B
70th
|
$6.3B
30th
|
| Net cash (− = net debt) | $11.0B
100th
|
$9.6B
90th
|
−$25.6B
20th
|
| Working capital | $5.9B
80th
|
$17.1B
90th
|
−$8.6B
20th
|
| Current ratio | 1.15
40th
|
1.74
80th
|
0.85
10th
|
| Quick ratio | 1.15
40th
|
1.74
80th
|
0.74
20th
|
| Cash ratio (cash + ST investments / current liabilities) | 0.66
40th
|
1.04
80th
|
0.11
0th
|
| Defensive interval (days) | 449 days
40th
|
604 days
70th
|
584 days
60th
|
Leverage & solvency (latest quarter)
13 measures| Measure | CNC | HUM | CI |
|---|---|---|---|
| Total debt | $16.1B
60th
|
$14.2B
50th
|
$31.9B
80th
|
| Debt / equity | 0.71
40th
|
0.74
60th
|
0.75
70th
|
| Net debt / equity | −0.49
50th
|
−0.50
40th
|
0.60
90th
|
| Debt / assets | 19.4%
30th
|
24.9%
80th
|
20.3%
40th
|
| Debt / capital | 41.7%
40th
|
42.6%
60th
|
42.8%
70th
|
| Debt / EBITDA | — | 4.60
75th
|
2.57
25th
|
| Net debt / EBITDA | — | −3.11
38th
|
2.06
88th
|
| Interest coverage (EBIT / interest) | −6.1x
0th
|
3.3x
38th
|
7.1x
88th
|
| Cash interest coverage | 14.9x
88th
|
0.2x
0th
|
7.4x
62nd
|
| Debt payback (years of OCF) | 1.6 yrs
40th
|
96.9 yrs
100th
|
3.1 yrs
60th
|
| Liabilities / assets | 72.7%
70th
|
66.3%
40th
|
72.7%
60th
|
| IS credit model rating | BBB- | A- | BBB+ |
| Implied credit spread (bps) | 350
80th
|
175
60th
|
225
70th
|
Efficiency
11 measures| Measure | CNC | HUM | CI |
|---|---|---|---|
| Asset turnover | 2.29
60th
|
2.71
70th
|
1.83
50th
|
| Fixed asset turnover | 90.95
67th
|
69.44
44th
|
75.58
56th
|
| Inventory turnover | — | — | 42.2 |
| Receivables turnover | 9.8
20th
|
28.6
90th
|
9.1
10th
|
| Days sales outstanding | 37 days
80th
|
13 days
10th
|
40 days
90th
|
| Days inventory outstanding | — | — | 9 days |
| Days payables outstanding | 35 days
60th
|
19 days
30th
|
36 days
70th
|
| Cash conversion cycle (days) | 2 days
50th
|
−6 days
40th
|
12 days
60th
|
| Capex / revenue | 0.4%
50th
|
0.4%
40th
|
0.4%
60th
|
| Capex / depreciation | 0.64
30th
|
0.76
50th
|
0.45
10th
|
| Operating expense ratio | 7.3%
10th
|
10.1%
20th
|
17.1%
80th
|
Cash flow & earnings quality
7 measures| Measure | CNC | HUM | CI |
|---|---|---|---|
| Operating cash flow / net income | — | 0.12
0th
|
1.60
29th
|
| FCF / net income | — | −0.35
0th
|
1.42
29th
|
| FCF / operating cash flow | 91.8%
70th
|
-301.4%
0th
|
88.7%
60th
|
| Capex / operating cash flow | 8.2%
30th
|
401.4%
100th
|
11.3%
40th
|
| Accruals ratio | -17.5%
20th
|
2.1%
100th
|
-2.5%
70th
|
| Sloan accruals ratio | 1.3%
60th
|
30.3%
100th
|
0.6%
40th
|
| Earnings quality score (0-1) | — | 0.25
0th
|
1.00
57th
|
Scores & forensic checks
15 measures| Measure | CNC | HUM | CI |
|---|---|---|---|
| IS score | 37
20th
|
27
0th
|
61
70th
|
| IS profitability | 7
10th
|
15
30th
|
27
50th
|
| IS growth | 39
30th
|
40
40th
|
63
70th
|
| IS value | 40
30th
|
45
50th
|
74
100th
|
| IS momentum | 40
20th
|
33
0th
|
90
80th
|
| IS risk (safety) | 65
10th
|
100
60th
|
65
10th
|
| IS quality | 45
20th
|
35
0th
|
70
80th
|
| IS balance sheet | 44
10th
|
70
60th
|
48
20th
|
| IS earnings quality | 38
0th
|
60
40th
|
84
80th
|
| IS cash flow | 56
30th
|
2
0th
|
64
60th
|
| Piotroski F-score (0-9) | 6
30th
|
4
0th
|
8
80th
|
| Altman Z-score | 2.8
30th
|
4.6
80th
|
2.8
40th
|
| Beneish M-score | −3.80
10th
|
0.99
100th
|
−2.82
50th
|
| Ohlson O-score | −6.83
80th
|
−7.79
40th
|
−7.59
50th
|
| IS credit score | 52
20th
|
66
40th
|
60
30th
|
Size (TTM)
8 measures| Measure | CNC | HUM | CI |
|---|---|---|---|
| Market cap | $34.2B
50th
|
$49.6B
60th
|
$79.9B
70th
|
| Revenue | $193.7B
60th
|
$145.7B
50th
|
$282.4B
80th
|
| EBITDA | −$2.7B
0th
|
$3.1B
60th
|
$12.4B
80th
|
| Net income | −$5.1B
0th
|
$1.3B
60th
|
$6.4B
90th
|
| Free cash flow | $9.0B
70th
|
−$443.0M
0th
|
$9.1B
80th
|
| Total assets | $83.0B
60th
|
$57.2B
50th
|
$157.1B
80th
|
| Shareholders' equity | $22.6B
60th
|
$19.2B
50th
|
$42.6B
70th
|
| Employees | 61,100
50th
|
67,060
70th
|
66,685
60th
|
Price performance
9 measures| Measure | CNC | HUM | CI |
|---|---|---|---|
| 1 day | −1.9% | −4.4% | +1.2% |
| 1 week | +5.8% | −4.3% | +7.1% |
| 1 month | +3.1% | +7.5% | +9.6% |
| 3 months | +5.0% | +3.8% | +6.5% |
| 6 months | +81.2% | +101.5% | +8.6% |
| Year to date | +65.5% | +56.3% | +8.4% |
| 1 year | +93.2% | +57.7% | +3.3% |
| 3 years, cumulative | −2.6% | −14.2% | +7.1% |
| 5 years, cumulative | +7.5% | +4.0% | +59.1% |
Technicals
4 measures| Measure | CNC | HUM | CI |
|---|---|---|---|
| RSI 14 | 62.4 | 54.3 | 73.4 |
| From 52-week high | −2.7% | −9.5% | −2.3% |
| From 52-week low | +118.6% | +154.7% | +27.0% |
| Beta | 1.13 | 0.74 | 0.30 |
InsiderStreet reports findings from filings and market data. A comparison is not a recommendation to buy or sell either stock.Every figure is computed in code · data as of 2026-10-17