Cigna Group's Financial Ratings Affirmed Amid Market Decline
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Feb 13 2026
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Should l Buy CI?
Source: Newsfilter
Cigna Group's stock fell 3.69% and hit a 20-day low amid a broader market decline, with the Nasdaq-100 down 1.50% and the S&P 500 down 1.60%.
Despite the stock's decline, AM Best affirmed Cigna Group's Financial Strength Rating at A (Excellent) and Long-Term Issuer Credit Ratings at 'a+' (Excellent), reflecting its robust balance sheet and stable operating performance. This affirmation is expected to enhance investor confidence, although the anticipated sale of its Medicare and CareAllies businesses in 2025 may impact overall revenues. Cigna's revenue is geographically diversified, primarily from its commercial health insurance business in the U.S., and strong profitability supports its debt servicing capacity.
The reaffirmation of Cigna's financial ratings indicates a solid foundation for the company, which may help stabilize its stock performance in the long term, despite current market pressures.
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Analyst Views on CI
Wall Street analysts forecast CI stock price to rise
16 Analyst Rating
14 Buy
2 Hold
0 Sell
Strong Buy
Current: 269.660
Low
300.00
Averages
335.63
High
378.00
Current: 269.660
Low
300.00
Averages
335.63
High
378.00
About CI
The Cigna Group is a global health company. The Company has two growth platforms: Evernorth Health Services and Cigna Healthcare. Evernorth Health Services includes its Pharmacy Benefit Services and Specialty and Care Services operating segments, which provide independent and coordinated health solutions and capabilities to enable the healthcare system to work better and help people live richer, healthier lives. Cigna Healthcare includes the U.S. Healthcare and International Health operating segments, which provide comprehensive medical plan services and coordinated solutions to clients and customers. Its Other Operations include corporate-owned life insurance (COLI), the Company's run-off operations and other non-strategic businesses. Specialty and Care Services provides specialty drugs for the treatment of complex and rare diseases, specialty distribution of pharmaceuticals and medical supplies, and clinical programs to help its clients.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
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- Financial Strength Rating: AM Best has affirmed Cigna Group's Financial Strength Rating at A (Excellent) and Long-Term Issuer Credit Ratings at 'a+' (Excellent), reflecting its robust balance sheet and stable operating performance, which is expected to enhance investor confidence.
- Capital Adequacy Advantage: Cigna Life & Health Group's risk-adjusted capitalization is assessed at the highest level, and despite a financial leverage exceeding 43%, strong profitability and liquidity support its debt servicing capacity, ensuring future financial flexibility.
- Revenue Diversification: Cigna's revenue is geographically diversified, primarily from its commercial health insurance business in the U.S., and while the anticipated sale of its Medicare and CareAllies businesses in 2025 may decrease overall revenues, growth in cash flow is expected from its non-insurance operations through Evernorth Health Services.
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- Flexible Benefits Design: Employers can choose from 15 different third-party administrators to design benefits tailored to their budget and workforce needs, offering comprehensive obesity management services including telehealth, nutrition, and lifestyle support.
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- Financial Strength Rating: AM Best has affirmed Cigna Group's Financial Strength Rating at A (Excellent) and Long-Term Issuer Credit Ratings at 'a+' (Excellent), reflecting its robust balance sheet and stable operating performance, which is expected to enhance investor confidence.
- Capital Adequacy Advantage: Cigna Life & Health Group's risk-adjusted capitalization is assessed at the highest level, and despite a financial leverage exceeding 43%, strong profitability and liquidity support its debt servicing capacity, ensuring future financial flexibility.
- Revenue Diversification: Cigna's revenue is geographically diversified, primarily from its commercial health insurance business in the U.S., and while the anticipated sale of its Medicare and CareAllies businesses in 2025 may decrease overall revenues, growth in cash flow is expected from its non-insurance operations through Evernorth Health Services.
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- Strong Capital Adequacy: Cigna Life & Health Group maintains the highest level of risk-adjusted capitalization as measured by Best’s Capital Adequacy Ratio (BCAR), and despite an elevated financial leverage of over 43%, its robust earnings and liquidity support its debt servicing capacity, ensuring financial flexibility.
- Revenue Diversification: Cigna's revenues are geographically diversified, primarily from the U.S. market, although the anticipated sale of its Medicare and CareAllies businesses in 2025 is expected to decrease overall revenues, its core commercial health products continue to maintain a strong market presence.
- Mature Risk Management: Cigna has implemented a comprehensive Enterprise Risk Management (ERM) program integrated into daily operations and strategic planning, ensuring stable operational performance and risk control capabilities in a complex market environment.
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- Projected Wage Increases: The research indicated that had health insurance costs not risen, businesses could have offered an average wage increase of approximately 4.7% in 2025, while the actual average wage increase was only 3.8%, highlighting the direct impact of cost pressures on wage policies.
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