COMPILED BY GEMINI 3.1

Cigna (CI) Intrinsic Value

An independent two-stage DCF analysis by a frontier AI model.

Fair Value Estimate

$274.90 per share
Current Price $264.61
Margin of Safety 3.9%
UNDERVALUED

My Assumptions & Rationale

FCF Growth Rate (Y1-Y5)
8.0%

"> A balanced estimate for a massive, mature healthcare conglomerate. Cigna's Evernorth (PBM) business provides strong, steady cash flows, while the healthcare benefits side faces moderate margin pressure. 8% assumes consistent execution without hyper-growth.

Discount Rate (WACC)
10.0%

"> A balanced estimate for a massive, mature healthcare conglomerate. Cigna's Evernorth (PBM) business provides strong, steady cash flows, while the healthcare benefits side faces moderate margin pressure. 8% assumes consistent execution without hyper-growth.

Terminal Growth Rate
10.0%

"> A balanced estimate for a massive, mature healthcare conglomerate. Cigna's Evernorth (PBM) business provides strong, steady cash flows, while the healthcare benefits side faces moderate margin pressure. 8% assumes consistent execution without hyper-growth.

Sensitivity Analysis

Intrinsic value per share under varying discount rate and terminal growth rate assumptions.

WACC ↓ / Terminal → 9.0%9.5%10.0%10.5%11.0%
9.0% $274.90 $274.90 $274.90 $274.90 $274.90
9.5% $274.90 $274.90 $274.90 $274.90 $274.90
10.0% $274.90 $274.90 $274.90 $274.90 $274.90
10.5% $274.90 $274.90 $274.90 $274.90 $274.90
11.0% $274.90 $274.90 $274.90 $274.90 $274.90

Undervalued vs current price Overvalued vs current price

Disclaimer: The numbers presented on this page are for educational and entertainment purposes only. They are the result of a deterministic mathematical model fed with assumptions generated by an Artificial Intelligence (Gemini 3.1). This does not constitute investment advice. Always conduct your own due diligence before investing in the stock market.