HUM vs CNC 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
HUM CNC 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 | HUM | CNC | CI |
|---|---|---|---|
| Insider open-market buys, 180d | 0 | 0 | 0 |
| Insider $ bought, 180d | — | — | — |
| Congress purchases, 180d | 1 | 0 | 3 |
| Last Congress purchase | 2026-03-27 | — | 2026-09-11 |
| 13F net change in holders | +144 | +137 | +41 |
| ETFs adding shares, 30d | 1,202 | 1,235 | 1,436 |
| ETFs trimming, 30d | 992 | 935 | 1,155 |
| Net ETF funds, 30d | +210 | +300 | +281 |
Valuation
16 measures| Measure | HUM | CNC | CI |
|---|---|---|---|
| P/E (TTM) | 38.8x
86th
|
— | 12.5x
0th
|
| PEG (P/E ÷ 3-yr EPS CAGR) | — | — | 4.75 |
| Price / sales | 0.3x
40th
|
0.2x
0th
|
0.3x
20th
|
| Price / book | 2.6x
40th
|
1.5x
10th
|
1.9x
20th
|
| Price / tangible book | 5.5x
38th
|
4.2x
12th
|
— |
| Price / free cash flow | — | 3.8x
11th
|
8.8x
33rd
|
| Price / operating cash flow | 337.6x
100th
|
3.5x
10th
|
7.8x
20th
|
| Enterprise value | $40.0B
60th
|
$23.2B
50th
|
$105.5B
80th
|
| EV / sales | 0.3x
30th
|
0.1x
10th
|
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 | 2.6%
40th
|
-14.9%
0th
|
8.0%
100th
|
| FCF yield | -0.9%
0th
|
26.2%
90th
|
11.4%
70th
|
| Operating cash flow yield | 0.3%
0th
|
28.6%
90th
|
12.9%
80th
|
| Graham number (per share) | $194.43
57th
|
— | $297.16
86th
|
Profitability (TTM)
12 measures| Measure | HUM | CNC | CI |
|---|---|---|---|
| Gross margin | 13.7%
30th
|
16.1%
50th
|
11.7%
10th
|
| EBITDA margin | 2.1%
40th
|
-1.4%
0th
|
4.4%
80th
|
| Operating margin | 1.4%
40th
|
-2.8%
0th
|
3.5%
60th
|
| EBIT margin | 1.6%
40th
|
-2.1%
0th
|
3.5%
70th
|
| Net margin | 0.9%
30th
|
-2.6%
0th
|
2.3%
60th
|
| NOPAT margin | 1.1%
30th
|
-2.2%
0th
|
2.8%
60th
|
| FCF margin | -0.3%
0th
|
4.6%
70th
|
3.2%
50th
|
| Operating cash flow margin | 0.1%
0th
|
5.0%
70th
|
3.6%
40th
|
| R&D / revenue | 0.0%
0th
|
0.0%
0th
|
0.0%
0th
|
| SG&A / revenue | 2.7%
10th
|
6.9%
60th
|
4.9%
40th
|
| Stock comp / revenue | 0.2%
40th
|
0.1%
20th
|
0.0%
0th
|
| Effective tax rate | 18.5%
60th
|
21.0%
70th
|
17.8%
50th
|
Returns on capital
11 measures| Measure | HUM | CNC | CI |
|---|---|---|---|
| ROE (on average equity) | 6.8%
40th
|
-20.4%
0th
|
15.5%
60th
|
| ROA | 2.4%
40th
|
-6.0%
0th
|
4.2%
70th
|
| ROIC | 17.2%
90th
|
-37.1%
10th
|
11.8%
60th
|
| ROCE | 6.8%
40th
|
-9.4%
0th
|
9.7%
70th
|
| Return on tangible assets | 4.3%
40th
|
-4.7%
0th
|
6.4%
70th
|
| Cash ROIC (OCF / invested capital) | 1.5%
0th
|
84.1%
86th
|
15.1%
29th
|
| Gross profitability (GP / assets) | 34.8%
40th
|
37.6%
50th
|
21.0%
0th
|
| ROIC, 3-yr average | — | -5.4%
17th
|
7.5%
50th
|
| ROIC, 5-yr average | -118.6%
0th
|
3.2%
29th
|
8.3%
57th
|
| ROE, 5-yr average | 13.2%
60th
|
2.6%
30th
|
12.6%
50th
|
| Incremental ROIC | 14.0%
20th
|
94.0%
70th
|
110.8%
80th
|
Growth
17 measures| Measure | HUM | CNC | CI |
|---|---|---|---|
| Revenue growth (TTM YoY) | 18.3%
70th
|
8.7%
60th
|
7.7%
50th
|
| Revenue growth (QoQ) | 3.1%
50th
|
-11.2%
0th
|
4.6%
60th
|
| Revenue CAGR, 3 yr | 13.8%
70th
|
9.4%
40th
|
14.9%
80th
|
| Revenue CAGR, 5 yr | 12.6%
50th
|
10.4%
30th
|
11.1%
40th
|
| Gross profit CAGR, 3 yr | -41.4%
0th
|
22.7%
80th
|
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 | -77.7%
0th
|
4.4%
60th
|
-7.3%
40th
|
| Book value CAGR, 3 yr | 5.7%
50th
|
-0.9%
0th
|
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 | HUM | CNC | CI |
|---|---|---|---|
| Gross margin, 3-yr average | 71.2%
80th
|
12.0%
30th
|
11.4%
10th
|
| Operating margin, 3-yr average | 1.8%
40th
|
0.0%
20th
|
3.7%
70th
|
| Net margin, 3-yr average | 1.2%
40th
|
0.1%
20th
|
2.0%
70th
|
| FCF margin, 3-yr average | -0.9%
20th
|
2.2%
60th
|
2.8%
70th
|
| Revenue stability (0-1) | 0.97
50th
|
0.99
90th
|
0.93
10th
|
| Earnings stability (0-1) | 0.58
90th
|
0.25
60th
|
0.21
40th
|
| Margin stability (0-1) | 0.53
10th
|
0.78
40th
|
0.90
80th
|
Liquidity (latest quarter)
7 measures| Measure | HUM | CNC | CI |
|---|---|---|---|
| Cash & short-term investments | $23.9B
70th
|
$27.1B
80th
|
$6.3B
30th
|
| Net cash (− = net debt) | $9.6B
90th
|
$11.0B
100th
|
−$25.6B
20th
|
| Working capital | $17.1B
90th
|
$5.9B
80th
|
−$8.6B
20th
|
| Current ratio | 1.74
80th
|
1.15
40th
|
0.85
10th
|
| Quick ratio | 1.74
80th
|
1.15
40th
|
0.74
20th
|
| Cash ratio (cash + ST investments / current liabilities) | 1.04
80th
|
0.66
40th
|
0.11
0th
|
| Defensive interval (days) | 604 days
70th
|
449 days
40th
|
584 days
60th
|
Leverage & solvency (latest quarter)
13 measures| Measure | HUM | CNC | CI |
|---|---|---|---|
| Total debt | $14.2B
50th
|
$16.1B
60th
|
$31.9B
80th
|
| Debt / equity | 0.74
60th
|
0.71
40th
|
0.75
70th
|
| Net debt / equity | −0.50
40th
|
−0.49
50th
|
0.60
90th
|
| Debt / assets | 24.9%
80th
|
19.4%
30th
|
20.3%
40th
|
| Debt / capital | 42.6%
60th
|
41.7%
40th
|
42.8%
70th
|
| Debt / EBITDA | 4.60
75th
|
— | 2.57
25th
|
| Net debt / EBITDA | −3.11
38th
|
— | 2.06
88th
|
| Interest coverage (EBIT / interest) | 3.3x
38th
|
−6.1x
0th
|
7.1x
88th
|
| Cash interest coverage | 0.2x
0th
|
14.9x
88th
|
7.4x
62nd
|
| Debt payback (years of OCF) | 96.9 yrs
100th
|
1.6 yrs
40th
|
3.1 yrs
60th
|
| Liabilities / assets | 66.3%
40th
|
72.7%
70th
|
72.7%
60th
|
| IS credit model rating | A- | BBB- | BBB+ |
| Implied credit spread (bps) | 175
60th
|
350
80th
|
225
70th
|
Efficiency
11 measures| Measure | HUM | CNC | CI |
|---|---|---|---|
| Asset turnover | 2.71
70th
|
2.29
60th
|
1.83
50th
|
| Fixed asset turnover | 69.44
44th
|
90.95
67th
|
75.58
56th
|
| Inventory turnover | — | — | 42.2 |
| Receivables turnover | 28.6
90th
|
9.8
20th
|
9.1
10th
|
| Days sales outstanding | 13 days
10th
|
37 days
80th
|
40 days
90th
|
| Days inventory outstanding | — | — | 9 days |
| Days payables outstanding | 19 days
30th
|
35 days
60th
|
36 days
70th
|
| Cash conversion cycle (days) | −6 days
40th
|
2 days
50th
|
12 days
60th
|
| Capex / revenue | 0.4%
40th
|
0.4%
50th
|
0.4%
60th
|
| Capex / depreciation | 0.76
50th
|
0.64
30th
|
0.45
10th
|
| Operating expense ratio | 10.1%
20th
|
7.3%
10th
|
17.1%
80th
|
Cash flow & earnings quality
7 measures| Measure | HUM | CNC | 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 | -301.4%
0th
|
91.8%
70th
|
88.7%
60th
|
| Capex / operating cash flow | 401.4%
100th
|
8.2%
30th
|
11.3%
40th
|
| Accruals ratio | 2.1%
100th
|
-17.5%
20th
|
-2.5%
70th
|
| Sloan accruals ratio | 30.3%
100th
|
1.3%
60th
|
0.6%
40th
|
| Earnings quality score (0-1) | 0.25
0th
|
— | 1.00
57th
|
Scores & forensic checks
15 measures| Measure | HUM | CNC | CI |
|---|---|---|---|
| IS score | 27
0th
|
37
20th
|
61
70th
|
| IS profitability | 15
30th
|
7
10th
|
27
50th
|
| IS growth | 40
40th
|
39
30th
|
63
70th
|
| IS value | 45
50th
|
40
30th
|
74
100th
|
| IS momentum | 33
0th
|
40
20th
|
90
80th
|
| IS risk (safety) | 100
60th
|
65
10th
|
65
10th
|
| IS quality | 35
0th
|
45
20th
|
70
80th
|
| IS balance sheet | 70
60th
|
44
10th
|
48
20th
|
| IS earnings quality | 60
40th
|
38
0th
|
84
80th
|
| IS cash flow | 2
0th
|
56
30th
|
64
60th
|
| Piotroski F-score (0-9) | 4
0th
|
6
30th
|
8
80th
|
| Altman Z-score | 4.6
80th
|
2.8
30th
|
2.8
40th
|
| Beneish M-score | 0.99
100th
|
−3.80
10th
|
−2.82
50th
|
| Ohlson O-score | −7.79
40th
|
−6.83
80th
|
−7.59
50th
|
| IS credit score | 66
40th
|
52
20th
|
60
30th
|
Size (TTM)
8 measures| Measure | HUM | CNC | CI |
|---|---|---|---|
| Market cap | $49.6B
60th
|
$34.2B
50th
|
$79.9B
70th
|
| Revenue | $145.7B
50th
|
$193.7B
60th
|
$282.4B
80th
|
| EBITDA | $3.1B
60th
|
−$2.7B
0th
|
$12.4B
80th
|
| Net income | $1.3B
60th
|
−$5.1B
0th
|
$6.4B
90th
|
| Free cash flow | −$443.0M
0th
|
$9.0B
70th
|
$9.1B
80th
|
| Total assets | $57.2B
50th
|
$83.0B
60th
|
$157.1B
80th
|
| Shareholders' equity | $19.2B
50th
|
$22.6B
60th
|
$42.6B
70th
|
| Employees | 67,060
70th
|
61,100
50th
|
66,685
60th
|
Price performance
9 measures| Measure | HUM | CNC | CI |
|---|---|---|---|
| 1 day | −4.4% | −1.9% | +1.2% |
| 1 week | −4.3% | +5.8% | +7.1% |
| 1 month | +7.5% | +3.1% | +9.6% |
| 3 months | +3.8% | +5.0% | +6.5% |
| 6 months | +101.5% | +81.2% | +8.6% |
| Year to date | +56.3% | +65.5% | +8.4% |
| 1 year | +57.7% | +93.2% | +3.3% |
| 3 years, cumulative | −14.2% | −2.6% | +7.1% |
| 5 years, cumulative | +4.0% | +7.5% | +59.1% |
Technicals
4 measures| Measure | HUM | CNC | CI |
|---|---|---|---|
| RSI 14 | 54.3 | 62.4 | 73.4 |
| From 52-week high | −9.5% | −2.7% | −2.3% |
| From 52-week low | +154.7% | +118.6% | +27.0% |
| Beta | 0.74 | 1.13 | 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