Cigna (0A77) AI Stock Analysis

Company Guidance

For 2026, Cigna expects adjusted earnings per share of at least $30.60, Evernorth pretax adjusted earnings of at least $6.9 billion, Cigna Healthcare pretax adjusted earnings of at least $4.6 billion, and a full-year medical care ratio midpoint of 84.2% with a range of plus or minus 25 basis points; for 2027, it expects at least 10% adjusted earnings per share growth from a 2026 run-rate of approximately $30, Cigna Healthcare adjusted income from operations growth within the 6% to 9% long-term target, Specialty and Care Services adjusted earnings growth within the 8% to 12% long-term target range, though towards the low end, and Evernorth earnings up low single digits, including Pharmacy Benefit Services income down single digits, while the ACA exchange exit represents an approximately $200 million headwind; the company continues to expect at least $45 of adjusted earnings per share in 2030, 10% to 14% average annual adjusted earnings per share growth, approximately 40% debt to capital by year-end 2026, at least 4% up to 4% compounded income growth from 2026 to 30 in the PBS business, and $3 billion of gross run-rate savings by 2030, with roughly 70% to 80% from automation, modernization, and talent effectiveness and 20% to 30% from improvements in the vendor space.