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CI or CVS or HUM
Which Stock Would AI Choose? The Cigna Group (CI) vs. CVS Health Corporation (CVS) vs. Humana Inc. (HUM) Stock Comparison
Key Takeaways
- CVS Health leads in market capitalization at approximately $105 billion, offering broad exposure through retail pharmacy and insurance, while CI ($75 billion) and HUM ($28 billion) focus more on specialized health services.
- HUM shows the strongest one-month momentum with roughly 28% gains amid a Q1 earnings beat, rebounding from earlier pressures in Medicare Advantage.
- CVS delivers solid YTD performance of 5.21% and 22% over the past year, supported by regulatory tailwinds for its Aetna unit.
- CI trades at the lowest trailing P/E ratio (around 12), signaling relative value after a Q1 earnings beat despite exiting the ACA marketplace.
- All three face sector headwinds from Medicare Advantage rate adjustments but benefit from improving medical cost trends in recent market activity.
- Diversified models like CVS provide stability, while HUM's Medicare focus amplifies volatility and growth potential.
Introduction
The Cigna Group (CI), CVS Health Corporation (CVS), and Humana Inc. (HUM) are major players in the managed healthcare sector, blending insurance, pharmacy benefits management (PBM), and services. This comparison analyzes their recent performance, valuations, and market positioning amid evolving Medicare Advantage dynamics and regulatory shifts. Traders seeking momentum plays may eye short-term rebounds, while long-term investors could prioritize diversified revenue streams and value metrics like price-to-earnings (P/E) ratios. With healthcare spending resilient, understanding relative strengths helps navigate sector volatility effectively.
CI Overview and Recent Performance
The Cigna Group (CI) provides health insurance, PBM via Evernorth, and specialty services, serving employer and government clients. Shares trade around $283, with a market cap of $75 billion and trailing P/E of 12. In recent weeks, CI reported Q1 2026 results beating estimates—revenue up to $68.5 billion and adjusted EPS of $7.79—driven by Evernorth growth, though PBM profits dipped. The announcement to exit the Affordable Care Act (ACA) marketplace by 2027, affecting 369,000 members, pressured sentiment, leading to modest share declines despite YTD gains of 3.35%. Analysts remain optimistic, with price targets averaging $340.
CVS Overview and Recent Performance
CVS Health Corporation (CVS) integrates retail pharmacies, Aetna insurance, and PBM services, generating diversified revenue exceeding $400 billion annually. Current price hovers at $82, with a $105 billion market cap and trailing P/E of 59 (forward 11.5). Recent market activity saw shares rise about 12% over the past month, fueled by regulatory tailwinds for Aetna and PBM visibility, alongside YTD returns of 5.21%. Investors await Q1 earnings on May 6, expecting Health Services strength amid broader sector recovery. Stable dividends (yield ~3.2%) support sentiment, though high trailing P/E reflects earnings variability.
HUM Overview and Recent Performance
Humana Inc. (HUM) specializes in Medicare Advantage plans, government programs, and primary care via Conviva. Shares are near $234, with a $28 billion market cap and trailing P/E of 25. Recent weeks featured a sharp rebound, with one-month gains around 28%, pushing YTD to 8.32% despite earlier Medicare pressures. Q1 2026 adjusted EPS hit $10.31, beating estimates on premium growth and better medical cost ratio, though full-year guidance tempered enthusiasm initially. Focus on Medicare profitability restoration bolsters long-term outlook.
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Head-to-Head Comparison
CI, CVS, and HUM operate in managed care but differ in models: CI emphasizes employer PBM and specialty pharma; CVS leverages retail synergies; HUM targets seniors via Medicare Advantage. Growth drivers include Medicare rates (recently improved) and cost controls, with HUM most exposed. Recent momentum favors HUM (28% monthly) over CVS (12%) and CI (6%). Risks involve regulatory scrutiny and medical loss ratios; CI offers lowest P/E (12) for value sensitivity, while CVS’s scale buffers downturns. Sentiment tilts positive on earnings beats but cautious on guidance.
Tickeron AI Verdict
Tickeron’s AI currently leans toward HUM based on superior recent momentum, YTD outperformance at 8.32%, and Medicare catalysts amid improving rates. Its rebound reflects trend consistency and growth potential, though higher P/E (25) warrants monitoring costs. CVS and CI trail in relative positioning but offer stability.
Disclaimer
The information on this webpage is provided for general informational and educational purposes only and is not intended as investment advice, a recommendation to purchase or sell any security, or an offer or solicitation related to investments. It does not consider your personal financial situation, goals, or risk profile, and all investing carries inherent risks, including the possibility of losing your entire investment. For more details, please review our full disclaimer. Disclaimers and Limitations
Long-Term Analysis
It is best to consider a long-term outlook for a ticker by using Fundamental Analysis (FA) ratings. The rating of 1 to 100, where 1 is best and 100 is worst, is divided into thirds. The first third (a green rating of 1-33) indicates that the ticker is undervalued; the second third (a grey number between 34 and 66) means that the ticker is valued fairly; and the last third (red number of 67 to 100) reflects that the ticker is undervalued. We use an FA Score to show how many ratings show the ticker to be undervalued (green) or overvalued (red).
CI’s FA Score shows that 1 FA rating(s) are green whileCVS’s FA Score has 3 green FA rating(s), and HUM’s FA Score reflects 3 green FA rating(s).
- CI’s FA Score: 1 green, 4 red.
- CVS’s FA Score: 3 green, 2 red.
- HUM’s FA Score: 3 green, 2 red.
Short-Term Analysis
It is best to consider a short-term outlook for a ticker by using Technical Analysis (TA) indicators. We use Odds of Success as the percentage of outcomes which confirm successful trade signals in the past.
If the Odds of Success (the likelihood of the continuation of a trend) for each indicator are greater than 50%, then the generated signal is confirmed. A green percentage from 90% to 51% indicates that the ticker is in a bullish trend. A red percentage from 90% - 51% indicates that the ticker is in a bearish trend. All grey percentages are below 50% and are considered not to confirm the trend signal.
CI’s TA Score shows that 5 TA indicator(s) are bullish while CVS’s TA Score has 4 bullish TA indicator(s), and HUM’s TA Score reflects 4 bullish TA indicator(s).
- CI’s TA Score: 5 bullish, 5 bearish.
- CVS’s TA Score: 4 bullish, 4 bearish.
- HUM’s TA Score: 4 bullish, 3 bearish.
Price Growth
CI (@Managed Health Care) experienced а +2.94% price change this week, while CVS (@Managed Health Care) price change was +6.29% , and HUM (@Managed Health Care) price fluctuated +8.32% for the same time period.
The average weekly price growth across all stocks in the @Managed Health Care industry was +8.85%. For the same industry, the average monthly price growth was +10.99%, and the average quarterly price growth was +31.11%.
Reported Earning Dates
CI is expected to report earnings on Jul 30, 2026.
CVS is expected to report earnings on Aug 05, 2026.
HUM is expected to report earnings on Jul 29, 2026.
Industries' Descriptions
@Managed Health Care (+8.85% weekly)Managed healthcare industry focuses on providing health/medical and disability insurance plans, generally intended to reduce the cost of for-profit health care. The insurance products might be provided through employer-paid (fully or partly) insurance and benefit programs, or through Medicare/Medicaid. Some of the largest providers of managed health care include Aetna, Humana Inc., and Cigna, and UnitedHealthcare.
| CI | CVS | HUM | |
| Capitalization | 78.8B | 130B | 45.5B |
| EBITDA | 12.1B | 11.1B | N/A |
| Gain YTD | 9.501 | 30.672 | 48.810 |
| P/E Ratio | 11.92 | 44.72 | 40.47 |
| Revenue | 268B | 408B | 137B |
| Total Cash | 7.8B | 11.8B | 22B |
| Total Debt | 30.9B | 78.3B | 14B |
CI | CVS | HUM | ||
|---|---|---|---|---|
OUTLOOK RATING 1..100 | 20 | 30 | 43 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 5 Undervalued | 3 Undervalued | 11 Undervalued | |
PROFIT vs RISK RATING 1..100 | 70 | 67 | 100 | |
SMR RATING 1..100 | 56 | 89 | 95 | |
PRICE GROWTH RATING 1..100 | 50 | 11 | 3 | |
P/E GROWTH RATING 1..100 | 82 | 5 | 7 | |
SEASONALITY SCORE 1..100 | 50 | 50 | 85 |
Tickeron ratings are formulated such that a rating of 1 designates the most successful stocks in a given industry, while a rating of 100 points to the least successful stocks for that industry.
CVS's Valuation (3) in the Drugstore Chains industry is in the same range as CI (5) in the Managed Health Care industry, and is in the same range as HUM (11) in the Managed Health Care industry. This means that CVS's stock grew similarly to CI’s and similarly to HUM’s over the last 12 months.
CVS's Profit vs Risk Rating (67) in the Drugstore Chains industry is in the same range as CI (70) in the Managed Health Care industry, and is somewhat better than the same rating for HUM (100) in the Managed Health Care industry. This means that CVS's stock grew similarly to CI’s and somewhat faster than HUM’s over the last 12 months.
CI's SMR Rating (56) in the Managed Health Care industry is somewhat better than the same rating for CVS (89) in the Drugstore Chains industry, and is somewhat better than the same rating for HUM (95) in the Managed Health Care industry. This means that CI's stock grew somewhat faster than CVS’s and somewhat faster than HUM’s over the last 12 months.
HUM's Price Growth Rating (3) in the Managed Health Care industry is in the same range as CVS (11) in the Drugstore Chains industry, and is somewhat better than the same rating for CI (50) in the Managed Health Care industry. This means that HUM's stock grew similarly to CVS’s and somewhat faster than CI’s over the last 12 months.
CVS's P/E Growth Rating (5) in the Drugstore Chains industry is in the same range as HUM (7) in the Managed Health Care industry, and is significantly better than the same rating for CI (82) in the Managed Health Care industry. This means that CVS's stock grew similarly to HUM’s and significantly faster than CI’s over the last 12 months.
| CI | CVS | HUM | |
|---|---|---|---|
| RSI ODDS (%) | 3 days ago 57% | 3 days ago 61% | N/A |
| Stochastic ODDS (%) | 3 days ago 60% | 3 days ago 57% | 3 days ago 66% |
| Momentum ODDS (%) | 3 days ago 66% | 3 days ago 71% | N/A |
| MACD ODDS (%) | 3 days ago 56% | 3 days ago 65% | 3 days ago 62% |
| TrendWeek ODDS (%) | 3 days ago 60% | 3 days ago 63% | 3 days ago 59% |
| TrendMonth ODDS (%) | 3 days ago 62% | 3 days ago 59% | 3 days ago 59% |
| Advances ODDS (%) | 5 days ago 63% | 3 days ago 66% | 3 days ago 60% |
| Declines ODDS (%) | 12 days ago 56% | 13 days ago 60% | 25 days ago 67% |
| BollingerBands ODDS (%) | 3 days ago 45% | 3 days ago 67% | 3 days ago 68% |
| Aroon ODDS (%) | 3 days ago 46% | 3 days ago 60% | 3 days ago 54% |
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CI and
Correlation & Price change
A.I.dvisor indicates that over the last year, CI has been loosely correlated with CVS. These tickers have moved in lockstep 48% of the time. This A.I.-generated data suggests there is some statistical probability that if CI jumps, then CVS could also see price increases.
CVS and
Correlation & Price change
A.I.dvisor indicates that over the last year, CVS has been loosely correlated with UNH. These tickers have moved in lockstep 62% of the time. This A.I.-generated data suggests there is some statistical probability that if CVS jumps, then UNH could also see price increases.
HUM and
Correlation & Price change
A.I.dvisor indicates that over the last year, HUM has been loosely correlated with UNH. These tickers have moved in lockstep 55% of the time. This A.I.-generated data suggests there is some statistical probability that if HUM jumps, then UNH could also see price increases.