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CI (The Cigna Group) Moat Score : 6/10 (As of Jul. 09, 2025)


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What is The Cigna Group Moat Score?

The Cigna Group has the Moat Score of 6, which implies that the company might have Narrow Moat - Strong narrow moat, clearly distinguishable but not wide.

The Cigna Group has Narrow Moat: Cigna has a strong narrow moat due to its significant market share in the health insurance industry, brand strength, and economies of scale. However, the competitive nature of the industry and regulatory challenges prevent it from achieving a wide moat status.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes The Cigna Group might have Narrow Moat - Strong narrow moat, clearly distinguishable but not wide.

Competitive Comparison of The Cigna Group's Moat Score

For the Healthcare Plans subindustry, The Cigna Group's Moat Score, along with its competitors' market caps and Moat Score data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

The Cigna Group's Moat Score Distribution in the Healthcare Plans Industry

For the Healthcare Plans industry and Healthcare sector, The Cigna Group's Moat Score distribution charts can be found below:

* The bar in red indicates where The Cigna Group's Moat Score falls into.


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The Cigna Group  (NYSE:CI) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

The Cigna Group Moat Score Related Terms

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The Cigna Group Business Description

Industry
GURUFOCUS.COM » STOCK LIST » Healthcare » Healthcare Plans » The Cigna Group (NYSE:CI) » Definitions » Moat Score
Comparable Companies
CVS ELV HUM CNC MOH OSCR ALHC PGNY CLOV NEUE UNH SZSE:000503 BSP:ODPV3 NSE:MEDIASSIST BJSE:870656 BSP:QUAL3 MIL:HI ROCO:6665 PFHO
Traded in Other Exchanges
CI:Mexico 1CI:Italy 0A77:UK CGN:Germany C1IC34:Brazil CIGN:Austria
Address
900 Cottage Grove Road, Bloomfield, CT, USA, 06002
Website
https://www.cigna.com
Cigna primarily provides pharmacy benefit management and health insurance services. Its PBM and specialty pharmacy services, which were greatly expanded by its 2018 merger with Express Scripts, are mostly sold to health insurance plans and employers. Its largest PBM contract is with the Department of Defense (current contract through 2029), and it recently won a multiyear deal with top-tier insurer Centene. In health insurance and other benefits, Cigna primarily serves employers through self-funding arrangements, and the company operates mostly in the US with 17 million US and 2 million international medical members covered as of December 2024.
Executives
Elder Granger director 5176 S. LEWISTON WAY, CENTENNIAL CO 80015
Noelle K Eder officer: EVP, CIO 1680 CAPITAL ONE DRIVE, MCLEAN VA 22102
David Cordani director, officer: President & CEO THE CIGNA GROUP, 900 COTTAGE GROVE ROAD, BLOOMFIELD CT 06002
Nicole S Jones officer: EVP, General Counsel 1601 CHESTNUT STREET, SHAREHOLDER SERVICES TL18Y, PHILADELPHIA PA 19192
Delaney William J Iii director 1390 ENCLAVE PARKWAY, HOUSTON TX 77077
Michael W Triplett officer: President, US Markets 1601 CHESTNUT STREET, SHAREHOLDER SERVICES TL05Y, PHILADELPHIA PA 19192
Brian C Evanko officer: President Government Business 1601 CHESTNUT STREET, SHAREHOLDER SERVICES TL05Y, PHILADELPHIA PA 19192
Agoglia Hoeltzel Mary T officer: VP & Chief Accounting Officer 1601 CHESTNUT STREET, TWO LIBERTY PLACE, PHILADELPHIA PA 19192
Eric P Palmer officer: EVP, Chief Financial Officer 1601 CHESTNUT STREET, SHAREHOLDER SERVICES TL05Y, PHILADELPHIA PA 19192
Cynthia Ryan officer: EVP, CHRO 1601 CHESTNUT STREET, SHAREHOLDER SERVICES TL05Z, PHILADELPHIA PA 19192
Everett Neville officer: EVP, Strategy and Business Dev ONE EXPRESS WAY, ST. LOUIS MO 63121
Paul A Sanford officer: EVP Operations 1601 CHESTNUT STREET, SHAREHOLDER SERVICES TL05Z, PHILADELPHIA PA 19192
Phillip Ozuah director 30 HUDSON STREET, FLOOR 33, JERSEY CITY NJ 07302
Donna F Zarcone director C/O HARLEY DAVIDSON, 3700 W. JUNEAU AVE, MILWAUKEE WI 53208
Jason D Sadler officer: Pres., International Markets 1601 CHESTNUT STREET, SHAREHOLDER SERVICES TL05Y, PHILADELPHIA PA 19192