CSIMarket
 
The Cigna Group  (NYSE: CI)
Other Ticker:  
 
 
Price: $317.4000 $2.03 0.644%
Day's High: $318.71 Week Perf: 1.93 %
Day's Low: $ 313.75 30 Day Perf: 4.63 %
Volume (M): 1,866 52 Wk High: $ 370.83
Volume (M$): $ 592,332 52 Wk Avg: $322.65
Open: $315.03 52 Wk Low: $262.03



 Market Capitalization (Millions $) 86,581
 Shares Outstanding (Millions) 273
 Employees 72,500
 Revenues (TTM) (Millions $) 255,368
 Net Income (TTM) (Millions $) 5,399
 Cash Flow (TTM) (Millions $) -1,768
 Capital Exp. (TTM) (Millions $) 0

The Cigna Group
Overview of The Cigna Group

Corporate Structure and History
The Cigna Group, formed from the union of various companies, is one of the largest investor-owned employee benefits organizations in the United States. The organization provides a comprehensive range of products and services, including health care solutions, life and accident insurance, disability insurance, retirement services, and investment management. The company traces its roots back to 1865 with its major insurance subsidiary, Connecticut General Life Insurance Company (CG Life). Cigna Corporation was formally incorporated in the State of Delaware in 1981.

Business Segments

Cigna generates its revenues primarily from premiums, fees from services, and investment income. The company categorizes its operations into several key business segments:

1. Health Care Segment
- Cigna HealthCare: This segment provides health care coverage and services, including managed care plans and PPO products.

2. Disability and Life Segment
- Cigna Group Insurance: This segment focuses on disability insurance, group life insurance, and accident insurance offerings.

3. Retirement Segment
- Cigna Retirement & Investment Services: This division offers retirement products, including pension plans and investment management services.

4. International Segment
- Cigna International: This segment encompasses Cignas global health care offerings and insurance services outside the United States.

5. Run-off Reinsurance Segment
- Cigna Reinsurance: This involves reinsurance operations that are no longer active in new business.

6. Other Operations
This includes various items such as deferred gains from the sale of individual life insurance and annuity business, corporate life insurance policies with outstanding loans, settlement annuity business, and specific investment management services.

Distribution and Sales

Cigna employs a wide network of group sales representatives who actively distribute managed care and indemnity products. These representatives work through:
- Insurance brokers
- Insurance consultants
- Direct sales to employers

Additionally, Cigna's sales force markets various health care services, including managed behavioral health care and employee assistance services, directly to insurance companies, HMOs, third-party administrators, and employer groups.

Competitive Landscape

The health insurance and benefits sector is highly competitive, characterized by ongoing consolidation and the emergence of new products. Key competitive dynamics include:

- Major competitors include other large insurance firms, Blue Cross and Blue Shield organizations, standalone HMOs and PPOs, and national managed pharmacy and behavioral health companies.
- Competition in the Disability and Life segment revolves around underwriting efficiency, pricing, product diversity, customer service quality, and effective claims management.
- The retirement marketplace also presents stiff competition, with challenges from mutual fund companies, banks, investment advisors, and other service providers.

Principal Competitors

Cigna faces competition from a diverse array of companies in the employee benefits marketplace, including:
- Other health insurance organizations offering group health and life insurance products.
- Blue Cross and Blue Shield entities.
- Stand-alone and affiliated HMOs and PPOs.
- National firms focused on managed pharmacy, behavioral health, and cost containment services.

This competitive environment fosters continual innovation and improvement in service offerings, pricing, and customer engagement strategies across the industry.

Conclusion

The Cigna Group remains a prominent player in the employee benefits sector, leveraging its extensive history and broad product offerings to navigate a complex and competitive landscape successfully. The companys focus on innovation, customer service, and strategic collaborations continues to position it well within the marketplace.


   Company Address: 900 Cottage Grove Road Bloomfield 6002 CT
   Company Phone Number: 226-6000   Stock Exchange / Ticker: NYSE CI


Customers Net Income fell by CI's Customers Net Profit Margin fell to

-6.31 %

6.63 %

• Customers Performance • Customers Expend. • Customers Efficiency • List of Customers


   

Stock Performances by Major Competitors

5 Days Decrease / Increase
     
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HUM        0.94% 
MOH        0.38% 
UNH        3.41% 
• View Complete Report
   



Stocks on the Move

Unraveling The Cigna Groups Sell-Off Analyzing Recent Events and Financial Performance

Published Tue, Jul 16 2024 6:27 AM UTC

Behind Today s Sell-Off in The Cigna Group Shares: A Closer Look at Recent Events and Financial PerformanceIn recent weeks, The Cigna Group shares have been underperforming the overall market. Year to date, the company s shares have trailed the market s 18.4% performance. Investors and analysts are now examining the factors behind this sell-off and trying to understand the i...

The Cigna Group

The Cigna Group Faces $291 Million Tax Charge in First Quarter 2024

As a financial analyst for the CSIMarket.com, I have closely examined the first quarter 2024 financial results of The Cigna Group (CI) and its impact on the company's future. The data reveals a surge in revenue by 23.084% to $57.26 billion from the comparable quarter a year prior, showcasing impressive growth in the top-line performance.
However, there is a cause for concern as the company slipped into a shortfall with earnings per share at $-0.97, a significant decrease from the previous quarter's earnings per share of $3.53. Despite this, The Cigna Group has outperformed its industry peers in the Accident & Health Insurance sector, which reported a 9.67% revenue improvement during the same period.

The Cigna Group

The Cigna Group's Earnings Soar with $919.00 Million Income Tax Refund

The recent financial results for The Cigna Group have painted a complex picture of the company's performance. While there was a notable increase in revenue, profits took a hit in the most recent fiscal period. This has led to a reduction in earnings per share (EPS), with a decrease of -9.21% to $3.53 per share.
Despite the decline in profits, the company saw an impressive 11.722% increase in revenue to $51.11 billion. This growth in revenue is commendable, especially when compared to the overall 11.64% revenue rise seen in the Accident & Health Insurance industry during the same period. It is clear that The Cigna Group is performing well in terms of revenue generation.

Product Service News

Health Care Service Corporation's Acquisition of Cigna's Medicare Business Remains Unchanged, AM Best Comments

Published Fri, Feb 2 2024 8:04 PM UTC

- In a recent announcement, Health Care Service Corporation (HCSC), also known as Blue Cross Blue Shield of Illinois/Texas/New Mexico/Oklahoma/Montana, confirmed its definitive agreement to acquire the Medicare business of The Cigna Group (Cigna). AM Best, a leading credit rating agency, has stated that this acquisition does not impact HCSC s current credit ratings.HCSC, h...

The Cigna Group

The Cigna Group Shines with a Stable Rise in Third Quarter 2023 Earnings Season

The Cigna Group, a prominent player in the Accident & Health Insurance industry, recently reported its financial results for the third quarter of 2023. Despite experiencing a rise in revenue by 8.322% during this period, the company experienced a significant decline in net profit per share compared to the same timeframe in the previous year. The net profit per share dropped to $4.74 per share, in contrast to $8.97 per share earned in the financial period ending on September 30, 2022.
To gain a better understanding of Cigna's performance in the third quarter of 2023, investors should consider examining the remainder of the Accident & Health Insurance industry. It becomes evident that CI fell short of its peers' statement revenue improvement of 11.42% when compared to the corresponding period a year before. This information suggests that there could be underlying issues within the company's operations that need to be addressed.







The Cigna Group's Segments
Evernorth Health Services    79.39 % of total Revenue
Cigna Healthcare    20.1 % of total Revenue
Other Operations    0.14 % of total Revenue
Corporate and Eliminations    -4.41 % of total Revenue
InterEliminations    -4.41 % of total Revenue
InterEliminations Evernorth Health Services    -2.52 % of total Revenue
InterEliminations Cigna Healthcare    -1.88 % of total Revenue
InterEliminations Other Operations    -0.02 % of total Revenue
Pharmacy revenues    74.25 % of total Revenue
Service    5.95 % of total Revenue
Service Fees And Other Revenues    5.95 % of total Revenue
Other revenue    0.25 % of total Revenue
Evernorth Health Services Pharmacy revenues    76.68 % of total Revenue
Evernorth Health Services Network revenues    43.07 % of total Revenue
Evernorth Health Services Home delivery and specialty revenues    28.91 % of total Revenue
Evernorth Health Services Other revenues    4.7 % of total Revenue
Evernorth Health Services Service Fees And Other Revenues    5.23 % of total Revenue
Cigna Healthcare Service Fees And Other Revenues    2.7 % of total Revenue
Other Operations Pharmacy revenues    0.02 % of total Revenue
Other Operations Service Fees And Other Revenues    0.02 % of total Revenue
Corporate and Eliminations Pharmacy revenues    -2.45 % of total Revenue
Corporate and Eliminations Service Fees And Other Revenues    -2 % of total Revenue





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