CI vs HUM Stock Comparison: AI Score, Valuation, Performance and Upside
Cigna and Humana are both major managed care companies, but Cigna operates a diversified model spanning health insurance and large-scale pharmacy benefit management, while Humana concentrates primarily on Medicare Advantage plans serving the senior insurance market.
Cigna offers diversified exposure across health insurance and pharmacy benefit management, while Humana offers concentrated exposure to Medicare Advantage growth in the senior insurance market. Consider whether you prefer Cigna's diversification or Humana's specialized Medicare Advantage focus.
CI holds the edge across 3 of 5 key metrics in this comparison. HUM has delivered stronger 1-year price return (+28.71% vs -5.98%), though CI has the better forward P/E setup (8.33x vs 23.27x for HUM). On fundamentals, HUM is growing revenue faster (26.20%), while CI maintains the higher operating margin (3.98%) — a classic growth-versus-profitability split. Analyst consensus implies meaningfully more upside for CI (+22.42%) than for HUM (+8.58%).
Human Wall Street analysts' price targets, typically implying a ~12-month view — a separate signal from this site's own AI Prediction Signal further down the page, which is a 5-/30-day machine-learning forecast based on price history alone.
- Want diversified exposure across health insurance and pharmacy benefit management
- Value negotiating leverage from large-scale pharmacy benefit management operations
- Prefer a broad base of stable, employer-sponsored insurance membership
- Are comfortable with regulatory scrutiny risk facing the pharmacy benefit management industry
- Want concentrated exposure to Medicare Advantage growth in the senior insurance market
- Believe strong star ratings performance supports durable premium bonus payments
- Value deep specialization in serving older adult healthcare needs
- Are comfortable with revenue concentration risk tied to government reimbursement rates
| Metric | CI | HUM |
|---|---|---|
| AI scorei | 41.4 | 43.3 |
| AI ranki | #924 | #806 |
| Latest closei | $282.52 | $401.54 |
| 1M returni | +4.44% | +10.37% |
| 6M returni | +0.44% | +122.15% |
| 1Y returni | -5.98% | +28.71% |
How much would $10,000 be worth today if invested at the start of each period, with all dividends reinvested?
| Period | CI | HUM |
|---|---|---|
| 1Y ago | $9.29K (-7.1%) started 2025-09-04 | $12.87K (+28.7%) started 2025-09-04 |
| 5Y ago | $14.85K (+48.5%) started 2021-09-07 | $10.35K (+3.5%) started 2021-09-07 |
| 10Y ago | $25.77K (+157.7%) started 2016-09-06 | $26K (+160.0%) started 2016-09-06 |
Hypothetical — past performance does not guarantee future results.
| Metric | CI | HUM |
|---|---|---|
| Market capi | $73.69B | $46.3B |
| Trailing P/Ei | 11.53 | 36.51 |
| Forward P/Ei | 8.33 | 23.27 |
| Price/Salesi | N/A | N/A |
| EV/Revenuei | 0.35 | 0.26 |
| Analyst targeti | $341.42 | $418.61 |
| Target upsidei | +22.42% | +8.58% |
| Metric | CI | HUM |
|---|---|---|
| Revenue growthi | 6.70% | 26.20% |
| Earnings growthi | 10.20% | 27.10% |
| EPS growthi | +10.20% | +27.10% |
| FCF margini | +2.83% | +1.33% |
| Operating margini | 3.98% | 3.46% |
| Profit margini | 2.27% | 0.88% |
| ROIC proxyi | 16.76% | 6.89% |
| Return on equityi | 16.76% | 6.89% |
| Dividend yieldi | 2.24% | 0.92% |
| Betai | 0.32 | 0.74 |
| Debt/equityi | 74.29 | 76.48 |
| Current ratioi | 0.85 | 1.74 |
| Quick ratioi | 0.69 | 1.28 |
Over the past year, CI and HUM have moved weakly in the same direction (correlation of 0.38), based on daily returns.
Lower drawdown and smaller single-period drops generally indicate a smoother ride, though they do not guarantee lower future risk.
| Period | Metric | CI | HUM |
|---|---|---|---|
| 1Y | Growthi | -7.07% | +28.70% |
| CAGRi | -7.08% | +28.75% | |
| Volatilityi | 32.41% | 48.58% | |
| Sharpe ratioi | -0.20 | 0.68 | |
| Sortino ratioi | -0.25 | 0.92 | |
| Max drawdowni | 21.41% | 47.54% | |
| Current drawdowni | 9.16% | 1.92% | |
| Avg drawdowni | 9.27% | 17.84% | |
| Ulcer Indexi | 10.13% | 23.10% | |
| Max daily dropi | 17.39% | 21.13% | |
| Max wkly dropi | 19.01% | 28.99% | |
| 5Y | Growthi | +38.78% | +0.21% |
| CAGRi | +6.78% | +0.04% | |
| Volatilityi | 28.33% | 37.97% | |
| Sharpe ratioi | 0.22 | 0.08 | |
| Sortino ratioi | 0.30 | 0.10 | |
| Max drawdowni | 32.77% | 70.23% | |
| Current drawdowni | 22.28% | 26.97% | |
| Avg drawdowni | 11.90% | 28.77% | |
| Ulcer Indexi | 14.72% | 35.81% | |
| Max daily dropi | 17.39% | 21.13% | |
| Max wkly dropi | 19.01% | 28.99% | |
| 10Y | Growthi | +138.57% | +142.79% |
| CAGRi | +9.09% | +9.28% | |
| Volatilityi | 30.69% | 34.60% | |
| Sharpe ratioi | 0.29 | 0.30 | |
| Sortino ratioi | 0.41 | 0.42 | |
| Max drawdowni | 42.47% | 70.23% | |
| Current drawdowni | 22.28% | 26.97% | |
| Avg drawdowni | 13.09% | 18.51% | |
| Ulcer Indexi | 16.14% | 26.63% | |
| Max daily dropi | 17.39% | 21.13% | |
| Max wkly dropi | 23.67% | 28.99% |
| Category | CI | HUM |
|---|---|---|
| Company | The Cigna Group | Humana Inc. |
| Sector | Healthcare | Healthcare |
| Industry | Healthcare Plans | Healthcare Plans |
| Core business | A diversified health services company operating both a health insurance business and a large pharmacy benefit management business, providing coverage and prescription drug benefit administration to employers and individuals. | A health insurance company with a primary focus on Medicare Advantage plans for older adults, alongside smaller group health insurance and healthcare services businesses supporting its senior-focused membership base. |
| Investor focus | Pharmacy benefit management segment growth and profitability, health insurance membership trends, and overall medical cost trend management across its insurance business. | Medicare Advantage membership growth and star ratings performance, medical cost trend management within its senior population, and profitability of its healthcare services businesses. |
- Diversification across health insurance and pharmacy benefit management provides multiple revenue streams within the healthcare value chain
- Large pharmacy benefit management scale supports negotiating leverage with drug manufacturers and pharmacies
- Broad employer-sponsored insurance relationships provide a stable base of commercial health plan membership
- Leading position in Medicare Advantage provides deep specialization in serving the growing senior insurance market
- Star ratings performance history has historically supported premium bonus payments tied to plan quality
- Complementary healthcare services businesses support care coordination for its senior membership base
- Pharmacy benefit management business faces ongoing regulatory scrutiny and potential reform pressure
- Medical cost trends can pressure insurance segment profitability if utilization rises faster than pricing
- Faces competition from other large diversified health insurers and pharmacy benefit managers
- Significant revenue concentration in Medicare Advantage creates exposure to changes in government reimbursement rates
- Medical cost trends within its senior population can be less predictable and more elevated than commercial populations
- Star ratings performance must be maintained to preserve premium bonus payment eligibility
Want deeper AI forecasts?
This comparison page is public and free forever. Subscribers can unlock saved watchlists, full AI rankings, detailed forecasts, and interactive analysis tools.