Cigna (CI) Financial Forecast Calculator
Interactive 5-year forecast and DCF for Cigna. Adjust revenue growth, gross margin, capex intensity, WACC, and terminal growth - see revenue, free cash flow, and enterprise value update in real time. Seeded from Cigna’s most recent SEC filings.
Assumptions
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Keep iterating on the Cigna forecast in Excel. The downloadable sample has every assumption you see here plus a fully integrated income statement, balance sheet, cash flow, and debt schedule - five years of SEC historicals and live formulas in a fully editable workbook.
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Frequently asked
What does Cigna do and what are its main business segments?+
Cigna is a global health company that provides coordinated health solutions, pharmacy services, and comprehensive medical plans to various entities. Its primary business segments are Evernorth Health Services, which includes its large pharmacy benefit manager (PBM), and Cigna Healthcare, offering commercial health insurance.
How does Cigna generate revenue across its different business segments?+
Cigna generates approximately 80% of its consolidated revenue from Evernorth Health Services, a high-volume, low-margin business focused on pharmacy benefit management and specialty care. The remaining 20% comes from Cigna Healthcare, a lower-volume, higher-margin segment providing risk-bearing insurance plans.
What are the key assumptions for Cigna's revenue growth in financial models?+
Financial models for Cigna typically assume a revenue growth rate, with the provided model using approximately 6.19% for its FY2026–FY2030 forecast horizon. This growth is influenced by factors such as Evernorth's specialty pharmacy expansion and the strategic divestiture of its Medicare business.
What are the primary inputs for a Discounted Cash Flow (DCF) valuation of Cigna?+
Key inputs for a DCF valuation of Cigna include projected revenue growth, cost of goods sold as a percentage of revenue, and capital expenditure as a percentage of revenue. The model also considers the impact of the Q1 2025 Medicare business divestiture and anticipated margin expansion from Evernorth's specialty pharmacy growth.
Can I download an Excel financial model for Cigna (CI) and what is its forecast horizon?+
Yes, an Excel financial model for Cigna (CI) is available for download, providing a detailed financial forecast. This model typically covers a forecast horizon from FY2026 to FY2030, allowing users to analyze long-term financial performance and valuation.
How does Cigna's working capital profile impact its financial model?+
Cigna typically maintains a negative net working capital, as it collects premiums upfront and pays medical claims later, generating a significant float. This characteristic, along with quick inventory turns and longer payable days, is a key consideration when modeling the company's cash flow generation.
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