What Is CI Fair Value?
Cigna (CI) fair value estimate using multiple valuation models, updated daily.
As of October 14, 2026, Cigna (CI) has a composite fair value estimate of $647.48 based on four valuation models: DCF (35% weight), Graham Number (25% weight), PEG (25% weight), and DDM (15% weight). The current market price is $282.53, suggesting the stock is undervalued by 129.2%.
Data as of October 14, 2026 (today)
Composite Fair Value
Undervalued4 of 4 models$647.48
vs. current price of $282.53(+129.2%)
How Is CI Fair Value Calculated?
Four independent models estimate what CI is worth. Each uses different inputs and assumptions. The composite blends them by weight.
CI Intrinsic Value
Forward-looking models based on future cash flows
DCF (Discounted Cash Flow)
35% weightEstimates how much cash the company will generate over the next 10 years, then calculates what all that future cash is worth in today's dollars. Includes a 15% safety cushion. Try the standalone DCF calculator →
$1,110.38
+293.0%Undervalued
Inputs used
DDM (Dividend Discount Model)
15% weightIf a company pays you dividends, this model asks: how much are all those future dividend payments worth today? Only works for stocks that pay dividends. Try the intrinsic value calculator →
$204.75
-27.5%Overvalued
Inputs used
CI Fair Value
Current fundamentals: earnings, assets, and growth rate
Graham Number (Value Investing)
25% weightCreated by legendary investor Benjamin Graham. It looks at two things: how much the company earns (EPS) and what its assets are worth (Book Value), then calculates the maximum price a careful investor should pay. Try the fair value calculator →
$333.09
+17.9%Undervalued
Inputs used
PEG (Price/Earnings to Growth)
25% weightChecks if you're paying a fair price for the company's growth. A fast-growing company deserves a higher price than a slow one. This model finds the right price based on how fast earnings are growing.
$305.10
+8.0%Fair Value
Inputs used
What If You Change the Assumptions?
Drag the sliders to test different scenarios. Tap the ? buttons to learn what each input means.
Your DCF Fair Value
Current price $282.53 is 293.0% below this estimate
View 10-year cash flow projections
| Year | Projected FCF (Free Cash Flow) | Present Value |
|---|---|---|
| Year 1 | $8.46B | $8.02B |
| Year 2 | $8.97B | $8.06B |
| Year 3 | $9.50B | $8.10B |
| Year 4 | $10.07B | $8.14B |
| Year 5 | $10.68B | $8.18B |
| Year 6 | $11.32B | $8.22B |
| Year 7 | $12.00B | $8.26B |
| Year 8 | $12.72B | $8.30B |
| Year 9 | $13.48B | $8.34B |
| Year 10 | $14.29B | $8.38B |
| Terminal Value | $490.90B | $287.83B |
What Are CI's Key Financial Metrics?
Earnings & Growth
Current Price
$282.53
EPS (TTM)
$24.19
Forward P/E
8.4
Profit Margin
2.3%
Cash & Balance Sheet
Free Cash Flow
8B
EBITDA
12.8B
Book Value
$161.62
Total Debt
31.9B
What Do Analysts Say About CI?
Low
$288.00
Average
$342.29
High
$400.00
Upside
+21.2%
CI Fair Value FAQ
What is the fair value of CI?
Based on our composite model (DCF 35%, Graham 25%, PEG 25%, DDM 15%), CI's estimated fair value is $647.48. The stock is currently trading at $282.53, which makes it undervalued by our analysis.
How is CI's fair value calculated?
We use four valuation methods: Discounted Cash Flow (DCF), Graham Number, PEG-based Fair Value, and Dividend Discount Model (for dividend-paying stocks). The composite score weights DCF at 35%, Graham and PEG at 25% each, and DDM at 15%. When a model can't be applied, its weight is redistributed proportionally.
Is CI overvalued or undervalued?
Based on our analysis, CI is undervalued. The current price of $282.53 is 129.2% below our estimated fair value of $647.48.
What do Wall Street analysts say about CI?
24 analysts cover Cigna with a consensus rating of "Buy." The average price target is $342.29, ranging from $288.00 to $400.00. This implies 21.2% upside from the current price.