CI
Cigna Corporation
CI has lower modeled downside risk, despite its lower overall score.
OSCR
Oscar Health, Inc.
OSCR has the edge over CI overall, supported by stronger fundamentals and stronger modeled upside.
CI Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Stable | |
| Stable | |
| Healthy |
CI's balance sheet is currently healthy, and its revenue, profitability and cash flow are stable.
OSCR Fundamentals
| Metric | Status |
|---|---|
| Strong | |
| Healthy | |
| Strong | |
| Strong |
OSCR's revenue, profitability, cash flow and balance sheet are all currently healthy.
CI PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Forward | 9.1x | $296 | — |
| Cheap | 12x | $262 | -12% |
| Current | 13x | $296 | — |
| Fair | 14x | $327 | +10% |
| Expensive | 19x | $439 | +48% |
Historical ranges are pointers, not guarantees.
CI's PE is in its fair range at 13x. If earnings grow as analysts expect, today's price would be 9.1x next year's earnings, in its cheap range.
OSCR PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Forward | 12x | $31.94 | — |
| Current | 13x | $31.94 | — |
| Cheap | 21x | $52.73 | +65% |
| Fair | 35x | $87.23 | +173% |
| Expensive | 130x | $322 | +907% |
Historical ranges are pointers, not guarantees.
OSCR has the edge over CI in the historical PE scenario, which offers more potential upside but is not a forecast.
CI Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Growth | |
| Growth | |
| Stable | |
| Moderate | |
| Moderate |
Analysts expect earnings and revenue growth for CI, with profitability holding steady.
OSCR Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Strong growth | |
| Strong growth | |
| Strongly improving | |
| Limited | |
| Moderate |
OSCR has the edge over CI on the outlook, with more favorable profitability expectations.
CI Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $32.62 | +44% |
| Q3 2026 | $22.66 | +0.5% |
| Q2 2026 | $24.17 | +33% |
| Q1 2026 | $23.59 | +31% |
| Q4 2025 | $22.18 | +83% |
| Q3 2025 | $22.55 | +113% |
| Q2 2025 | $18.20 | +43% |
| Q1 2025 | $17.94 | +47% |
| Q4 2024 | $12.12 | -30% |
CI has the edge over OSCR on earnings, with more consistent year-over-year improvement.
OSCR Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $2.61 | +5.6% |
| Q3 2026 | $2.47 | +$3.47 |
| Q2 2026 | $1.45 | +$2.14 |
| Q1 2026 | -$0.54 | -235% |
| Q4 2025 | -$1.69 | -1790% |
| Q3 2025 | -$1.00 | -$0.92 |
| Q2 2025 | -$0.69 | -$0.54 |
| Q1 2025 | $0.40 | +$0.82 |
| Q4 2024 | $0.10 | +$1.32 |
OSCR has returned to profit: it earned $2.47 per share over the past year, after losing money the year before.
CI Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $73.7B | +5.6% |
| Q2 2026 | $71.7B | +6.7% |
| Q1 2026 | $68.5B | +4.6% |
| Q4 2025 | $72.5B | +10% |
| Q3 2025 | $69.7B | +9.5% |
| Q2 2025 | $67.2B | +11% |
| Q1 2025 | $65.5B | +14% |
| Q4 2024 | $65.6B | +28% |
CI's revenue has grown year over year every quarter since late 2020: $73.7B last quarter, up 5.6% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 3.3% | -0.5 points |
| Q2 2026 | 3.7% | +0.3 points |
| Q1 2026 | 3.4% | +0.4 points |
| Q4 2025 | 3.2% | -0.1 points |
| Q3 2025 | 3.7% | -0.3 points |
| Q2 2025 | 3.4% | -0.6 points |
| Q1 2025 | 3% | -0.9 points |
| Q4 2024 | 3.3% | -0.7 points |
CI's operating margin was 3.3% last quarter, about level with the same quarter a year ago.
OSCR Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $5.1B | +72% |
| Q2 2026 | $4.9B | +70% |
| Q1 2026 | $4.6B | +53% |
| Q4 2025 | $2.8B | +17% |
| Q3 2025 | $3B | +23% |
| Q2 2025 | $2.9B | +29% |
| Q1 2025 | $3B | +42% |
| Q4 2024 | $2.4B | +67% |
OSCR has the edge over CI on sales, with stronger typical year-over-year growth.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 3.5% | +7.8 points |
| Q2 2026 | 8% | +16 points |
| Q1 2026 | 15% | +5.4 points |
| Q4 2025 | -12% | -5.7 points |
| Q3 2025 | -4.3% | -2.3 points |
| Q2 2025 | -8.1% | -11 points |
| Q1 2025 | 9.8% | +1.1 points |
| Q4 2024 | -6.2% | +4 points |
OSCR has the edge over CI on profitability, with a higher operating margin.
CI Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $2.6B | -25% |
| Q2 2026 | -$421M | +$1.5B |
| Q1 2026 | $1.1B | -41% |
| Q4 2025 | $6.1B | +18% |
| Q3 2025 | $3.4B | +7330% |
| Q2 2025 | -$1.9B | -812% |
| Q1 2025 | $1.9B | -60% |
| Q4 2024 | $5.2B | +255% |
CI generated $9.4B in free cash flow over the past year, up 8.8% from the year before.
OSCR Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | -$1.2B | -$238.2M |
| Q2 2026 | $2.1B | +316% |
| Q1 2026 | $2.6B | +200% |
| Q4 2025 | $662.8M | +95% |
| Q3 2025 | -$973.7M | -$466M |
| Q2 2025 | $499.8M | +2.1% |
| Q1 2025 | $869.5M | +38% |
| Q4 2024 | $340M | +17% |
OSCR has the edge over CI on cash flow, with more consistent year-over-year improvement.
CI Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.1% | -174K shares |
| 1 year | -1.4% | -3.7M shares |
| 3 years | -11% | -33.3M shares |
| 5 years | -22% | -73.8M shares |
| Available history | -31% | -116M shares |
CI has the edge over OSCR on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $251M |
| Q2 2026 | $280M |
| Q1 2026 | — |
| Q4 2025 | $1B |
| Q3 2025 | — |
| Q2 2025 | $1.1B |
| Q1 2025 | $1.5B |
| Q4 2024 | $2B |
CI spent $1.5B buying back its own shares over the past year, down 67% from the year before.
OSCR Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +3.9% | +13M shares |
| 1 year | +34% | +87.2M shares |
| 3 years | +55% | +123M shares |
| 5 years | +66% | +138M shares |
| Available history | +71% | +143M shares |
OSCR has 346M diluted shares, up 34% from a year ago.
| Quarter | Spent |
|---|---|
| Q4 2020 | — |
| Q3 2020 | — |
| Q2 2020 | — |
| Q1 2020 | — |
CI Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 2.0x | Healthy |
| Q2 2026 | 2.0x | Moderate |
| Q1 2026 | 1.9x | Healthy |
| Q4 2025 | 2.0x | Healthy |
| Q3 2025 | 2.4x | Moderate |
| Q2 2025 | 2.3x | Moderate |
| Q1 2025 | 1.9x | Healthy |
| Q4 2024 | 2.0x | Moderate |
CI's net debt is about 2.0 years of its operating earnings (EBITDA), down from 2.4 years a year ago.
OSCR Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -4.2x | Net Cash |
| Q2 2026 | -5.5x | Net Cash |
| Q1 2026 | -110.0x | Net Cash |
| Q1 2025 | -9.7x | Net Cash |
| Q4 2024 | -13.7x | Net Cash |
| Q3 2024 | -10.1x | Net Cash |
| Q2 2024 | -24.0x | Net Cash |
| Q1 2024 | -217.7x | Net Cash |
OSCR has the edge over CI on leverage, with a lower net debt burden relative to earnings.
CI Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 56.0 | Neutral |
| Stochastic | 60.8 | Neutral |
CI's weekly RSI is 56 (neutral) and its Stochastic is 61 (neutral).
OSCR Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 58.7 | Neutral |
| Stochastic | 44.9 | Neutral |
OSCR's weekly RSI is 59 (neutral) and its Stochastic is 45 (neutral).
CI PE vs Healthcare Sector
| Metric | CI | Sector median | Relative |
|---|---|---|---|
| PE | 13x | 26x | 49% below |
| PE % | 40 | 29 | 11 pts above |
CI is trading at 13x earnings, a 49% discount to the Healthcare sector's median of 26x.
OSCR PE vs Healthcare Sector
| Metric | OSCR | Sector median | Relative |
|---|---|---|---|
| PE | 13x | 26x | 50% below |
| PE % | 3 | 35 | 32 pts below |
OSCR has the edge over CI on valuation relative to its sector.
CI Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $290.3 | 2.1% above |
| 20 week MA | $285.7 | 3.7% above |
| 50 week MA | $281.4 | 5.3% above |
| 100 week MA | $291.1 | 1.8% above |
| 200 week MA | $299.9 | 1.2% below |
CI has bounced recently, but its long-term trend is still down: it's above its 8-, 20-, 50- and 100-week averages, but 1.2% below its 200-week average.
OSCR Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $31.2 | 2.3% above |
| 20 week MA | $31.1 | 2.8% above |
| 50 week MA | $22.9 | 39% above |
| 100 week MA | $19.3 | 65% above |
| 200 week MA | $15.5 | 106% above |
OSCR has the edge over CI on trend strength, trading above more of its moving averages.
CI Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $204.0 | $198.8 | -2.5% |
| 2021 | $198.8 | $225.9 | +14% |
| 2022 | $225.9 | $334.3 | +48% |
| 2023 | $334.3 | $299.5 | -10% |
| 2024 | $299.5 | $278.7 | -6.9% |
| 2025 | $278.7 | $276.5 | -0.8% |
| 2026 YTD | $276.5 | $296.3 | +7.1% |
CI has finished three years in a row lower, and it's up 7.1% so far in 2026.
OSCR Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2021 | $31.0 | $8.02 | -74% |
| 2022 | $8.02 | $2.21 | -72% |
| 2023 | $2.21 | $9.15 | +314% |
| 2024 | $9.15 | $13.8 | +51% |
| 2025 | $13.8 | $14.9 | +8% |
| 2026 YTD | $14.9 | $31.9 | +114% |
OSCR has the edge over CI on returns for 2026, with the stronger performance.