What Is CI Fair Value?
Cigna (CI) fair value estimate using multiple valuation models, updated daily.
As of July 16, 2026, Cigna (CI) has a composite fair value estimate of $574.88 based on four valuation models: DCF (35% weight), Graham Number (25% weight), PEG (25% weight), and DDM (15% weight). The current market price is $297.81, suggesting the stock is undervalued by 93.0%.
Data as of July 16, 2026 (today)
Composite Fair Value
Undervalued4 of 4 models$574.88
vs. current price of $297.81(+93.0%)
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 →
$936.95
+214.6%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 →
$203.14
-31.8%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 →
$330.35
+10.9%Fair Value
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.
$304.05
+2.1%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 $297.81 is 214.6% below this estimate
View 10-year cash flow projections
| Year | Projected FCF (Free Cash Flow) | Present Value |
|---|---|---|
| Year 1 | $7.34B | $6.95B |
| Year 2 | $7.78B | $6.98B |
| Year 3 | $8.25B | $7.01B |
| Year 4 | $8.74B | $7.05B |
| Year 5 | $9.27B | $7.08B |
| Year 6 | $9.82B | $7.11B |
| Year 7 | $10.41B | $7.14B |
| Year 8 | $11.04B | $7.17B |
| Year 9 | $11.70B | $7.20B |
| Year 10 | $12.40B | $7.23B |
| Terminal Value | $417.96B | $243.72B |
What Are CI's Key Financial Metrics?
Earnings & Growth
Current Price
$297.81
EPS (TTM)
$23.17
Forward P/E
8.9
Profit Margin
2.3%
Cash & Balance Sheet
Free Cash Flow
6.9B
EBITDA
13.4B
Book Value
$159.52
Total Debt
30.9B
What Do Analysts Say About CI?
Low
$290.00
Average
$340.92
High
$400.00
Upside
+14.5%
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 $574.88. The stock is currently trading at $297.81, 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 $297.81 is 93.0% below our estimated fair value of $574.88.
What do Wall Street analysts say about CI?
24 analysts cover Cigna with a consensus rating of "Buy." The average price target is $340.92, ranging from $290.00 to $400.00. This implies 14.5% upside from the current price.