Analysis for CI

$298.81 +9.23 (+3.19%)

📈 Growth — 22/30
💰 Profitability — 17/20
🏦 Financial Health — 14/20
💵 Valuation — 12/20
⚠️ Risk — 7/10

Overall Score: 68/100

Summary:

📈 Growth & Financial Trajectory

8 quarters show Revenues rising from about $60.5B (2024 Q2) to about $71.7B (2026 Q2), an ~18% gain. Net Income advanced from about $1.51B to $1.88B, but with oscillations (dips in 2024 Q3 and 2025 Q4).

💰 Margins & Cash Flow

Gross margins have hovered in the low-to-mid 20s percent, peaking around 27% in 2024 Q3 and consolidating closer to 20-25% through 2025–2026. Operating cash flow remained positive across most quarters (e.g., 2024 Q2: $0.27B; 2025 Q3: $3.42B; 2026 Q2: $6.15B). Investing cash flow was typically negative, while financing activity fluctuated, creating uneven quarterly free cash flow.

🛡️ Balance Sheet & Liquidity

Total assets run about $150–158B with liabilities around $111–115B and equity around $41–43B, giving solid balance sheet discipline. Current assets vs current liabilities has been roughly balanced, indicating resilience despite modest near-term liquidity headwinds.

⚠️ Key Drivers & Risks

Drivers: Growth in employer-sponsored health benefits management; scale advantages in a broad benefits platform.
Risks: Regulatory/policy sensitivity and margin volatility; cyclicality in utilization affecting earnings.