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The Cigna Group (CI) vs Alphabet Inc. (GOOGL): Which Is the Better Buy in 2026?

As of 2026-11-01, CI is undervalued at $298, with a DCF intrinsic value of $595 and a margin of safety of 50%. GOOGL is overvalued at $280, with an intrinsic value of $8 and a margin of safety of -3448%. Of the two, CI has the wider margin of safety.

CI
The Cigna Group
$298.23
VS
GOOGL
Alphabet Inc.
$279.84

Rewards

CI
  • ★Share count has been reduced by 12% over the past 4 years through buybacks, increasing each share's claim on earnings.
  • ★FCF yield of 10.1% is historically attractive — the business generates significant cash relative to its price.
  • ★Trailing P/E of 12.3x is 25% below the historical average of 16.5x — potentially undervalued relative to its own history.
GOOGL
  • ★Alphabet Inc. has maintained ROIC above 15% for 4 consecutive years, indicating a durable competitive advantage.
  • ★Gross margin of 60.9% indicates strong pricing power — typical of businesses with significant intellectual property or brand strength.
  • ★Alphabet Inc. scores 89/100 on the Economic Moat Score (Wide Moat), with roic consistency as the strongest competitive dimension.

Risks

CI
  • ⚠Gross margin of 9.1% is low, suggesting a competitive or commodity-like market with limited pricing power.
  • ⚠Insiders have sold $6.3M worth of stock in the past 3 months — significant insider liquidation.
GOOGL

    Key Valuation Metrics

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    CI
    GOOGL
    Valuation
    $7.98B
    Free Cash Flow
    $-1.16B
    10.13%
    FCF Yield
    -0.03%
    12.33
    Trailing P/E
    14.61
    8.91
    Forward P/E
    18.49
    Quality & Moat
    11.89%
    ROIC
    14.30%
    16.76%
    ROE
    44.29%
    9.14%
    Gross Margin
    60.86%
    0.82
    PEG Ratio
    0.98
    Balance Sheet Safety
    0.57
    Net Debt / Equity
    Net cash
    N/A
    Interest Coverage
    N/A
    1.93
    Net Debt / EBITDA
    -0.62
    2.09%
    Dividend Yield
    0.31%
    CI: 6Ties: 1GOOGL: 5
    CIGOOGL

    Historical Fundamentals

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    CI

    Price ÷ Earnings Per Share — how many years of current earnings you're paying for at today's price. Lower P/E may indicate undervaluation. The dashed forward point is the forward P/E — today's price ÷ analyst consensus EPS.

    GOOGL

    Price ÷ Earnings Per Share — how many years of current earnings you're paying for at today's price. Lower P/E may indicate undervaluation. The dashed forward point is the forward P/E — today's price ÷ analyst consensus EPS.

    Price ÷ Earnings Per Share — how many years of current earnings you're paying for at today's price. Lower P/E may indicate undervaluation. The dashed forward point is the forward P/E — today's price ÷ analyst consensus EPS.

    $1 Retained Earnings Test

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    CI
    $-2.66
    created per $1 retained over 3 years
    Market Cap Declined
    Σ Retained
    $9.93B
    Δ Market Cap
    $-26.45B
    Buffett's "$1 Test": For every $1 of earnings retained, has management created at least $1 of market value?
    > $1 created per $1 retained = Value Creator · < $1 created = Value Destroyer
    GOOGL
    $9.18
    created per $1 retained over 3 years
    Exceptional Value Creator
    Σ Retained
    $288.67B
    Δ Market Cap
    +$2.65T
    Buffett's "$1 Test": For every $1 of earnings retained, has management created at least $1 of market value?
    > $1 created per $1 retained = Value Creator · < $1 created = Value Destroyer

    Buffett's "$1 Test": For every $1 of earnings retained, has management created at least $1 of market value?
    > $1 created per $1 retained = Value Creator · < $1 created = Value Destroyer

    Discounted Cash Flow (DCF) Analysis

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    CI
    49.9% Margin of Safety
    Price is 49.9% below estimated fair value
    Current Price: $298.23
    Fair Value: $594.82
    Strongly undervalued
    Undervalued
    Fairly valued
    Overvalued
    Strongly overvalued
    GOOGL
    3447.8% Overvalued
    Price is 3447.8% above estimated fair value
    Current Price: $279.84
    Fair Value: $7.89
    Strongly undervalued
    Undervalued
    Fairly valued
    Overvalued
    Strongly overvalued

    Reverse DCF — Market-Implied Growth

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    CI

    What growth rate is the market pricing in at $298?

    +2.6%
    Market-Implied Owner Earnings Growth
    Standard FCF implies +1.8%

    The market implies +2.6% Owner Earnings growth, above historical trends.

    Standard FCF implies a demanding +1.8%, reflecting heavy growth investment.

    GOOGL

    Requires positive FCF to compute implied growth rate.

    Economic Moat Score

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    CI
    54/100
    Narrow Moat
    70+ Wide · 40-69 Narrow · <40 None

    Narrow moat with reinvestment efficiency as the key competitive advantage. Improving margin stability would strengthen the moat.

    Composite score measuring competitive advantage durability across four dimensions: returns above cost of capital, pricing power stability, revenue predictability, and capital efficiency. Based on 4 years of fundamental data.
    GOOGL
    89/100
    Wide Moat
    70+ Wide · 40-69 Narrow · <40 None

    Wide moat driven primarily by roic consistency. Reinvestment Efficiency is the area most vulnerable to competitive pressure.

    Composite score measuring competitive advantage durability across four dimensions: returns above cost of capital, pricing power stability, revenue predictability, and capital efficiency. Based on 4 years of fundamental data.

    Forensic Accounting

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    CI
    -2.32
    Unlikely Manipulator
    Above -1.78 = likely manipulator · -2.22 to -1.78 = grey zone

    M-Score Trend

    Beneish's 8-variable model estimates the probability of earnings manipulation. An M-Score above -1.78 signals elevated risk — companies in this range have historically been 3-5× more likely to be manipulating earnings. Scores between -2.22 and -1.78 fall in a grey zone warranting further investigation.
    GOOGL
    -2.92
    Unlikely Manipulator
    Above -1.78 = likely manipulator · -2.22 to -1.78 = grey zone

    M-Score Trend

    Beneish's 8-variable model estimates the probability of earnings manipulation. An M-Score above -1.78 signals elevated risk — companies in this range have historically been 3-5× more likely to be manipulating earnings. Scores between -2.22 and -1.78 fall in a grey zone warranting further investigation.

    Beneish's 8-variable model estimates the probability of earnings manipulation. An M-Score above -1.78 signals elevated risk — companies in this range have historically been 3-5× more likely to be manipulating earnings. Scores between -2.22 and -1.78 fall in a grey zone warranting further investigation.

    Ownership Breakdown

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    CI
    Insiders 1.4%Institutions 92.3%Retail & Other 6.2%
    No. of Institutional Holders2,212
    High insider ownership aligns management incentives with shareholders — a key signal in Buffett-style analysis. Institutional concentration can indicate smart-money conviction but also crowding risk.
    GOOGL
    Insiders 1.6%Institutions 80.8%Retail & Other 17.6%
    No. of Institutional Holders7,451
    High insider ownership aligns management incentives with shareholders — a key signal in Buffett-style analysis. Institutional concentration can indicate smart-money conviction but also crowding risk.

    High insider ownership aligns management incentives with shareholders. Institutional concentration can indicate smart-money conviction but also crowding risk.

    Insider Buying Activity

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    CI
    0
    Buys (3M)
    1
    Buys (12M)
    Total value (12M): $999,916
    CORDANI DAVID M
    Chief Executive Officer
    $999,916
    @ $241.88 · 2025-11-03
    Open market purchases · includes direct & indirect ownership · excludes option exercises
    GOOGL
    0
    Buys (3M)
    0
    Buys (12M)
    No open market insider purchases found.
    Open market purchases · includes direct & indirect ownership · excludes option exercises

    Open market purchases · includes direct & indirect ownership · excludes option exercises.

    Insider Selling Activity

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    CI
    3
    Sells (3M)
    7
    Sells (12M)
    Total value (12M): $66.84M
    NEVILLE EVERETT
    Officer
    $175,259
    @ $284.05 · 2026-09-03
    JONES NICOLE S.
    Officer
    $748,516
    @ $279.61 · 2026-08-18
    JONES NICOLE S.
    Officer
    $5.37M
    @ $276.27 · 2026-08-04
    KATES JAMIE G
    Officer
    $268,452
    @ $298.61 · 2026-06-12
    CORDANI DAVID M
    Chief Executive Officer
    $59.11M
    @ $292.82 · 2026-05-12
    JONES NICOLE S.
    Officer
    $666,515
    @ $288.91 · 2026-03-02
    NEVILLE EVERETT
    Officer
    $496,636
    @ $288.91 · 2026-03-02
    EVANKO BRIAN C
    President
    $1.61M
    @ $300.00 · 2025-10-03
    JONES NICOLE S.
    General Counsel
    $8.56M
    @ $300.00 · 2025-08-15
    GRANGER ELDER
    Director
    $737,392
    @ $310.35 · 2025-03-14
    EDER NOELLE K
    Officer
    $3.18M
    @ $320.00 · 2025-03-07
    JONES NICOLE S.
    Officer
    $1.51M
    @ $308.12 · 2025-03-03
    CORDANI DAVID M
    Chief Executive Officer
    $8.17M
    @ $308.12 · 2025-03-03
    Direct ownership only · excludes indirect, option exercises, planned (10b5-1) sales & derivatives
    GOOGL
    0
    Sells (3M)
    0
    Sells (12M)
    No open market insider sales found.
    Direct ownership only · excludes indirect, option exercises, planned (10b5-1) sales & derivatives

    Direct ownership only · excludes indirect, option exercises, planned (10b5-1) sales & derivatives.

    🎭 Mr. Market's Mood

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    CI
    FearGreed
    😏Greed(63/100)

    "Market is optimistic — be cautious and ensure you have a margin of safety"

    Composite sentiment score based on 6 market signals. Inspired by Buffett's "Mr. Market" allegory — fear = potential opportunity, greed = potential risk. Must be used alongside fundamental analysis, not in isolation.
    GOOGL
    FearGreed
    😨Fear(23/100)

    "Market is pessimistic — investigate whether fears are temporary or structural"

    Composite sentiment score based on 6 market signals. Inspired by Buffett's "Mr. Market" allegory — fear = potential opportunity, greed = potential risk. Must be used alongside fundamental analysis, not in isolation.

    Composite sentiment score based on market signals. Inspired by Buffett’s "Mr. Market" allegory — fear = potential opportunity, greed = potential risk. Must be used alongside fundamental analysis, not in isolation.

    ⚖️ Buffett Signal

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    CI
    ⚪Awaiting DCF Data

    The Buffett Signal cross-references market sentiment with DCF valuation. Configure the DCF Analysis above to generate a signal.

    DCF Margin of Safety: N/AMr. Market's Mood: Greed (63)
    GOOGL
    ⚪Awaiting DCF Data

    The Buffett Signal cross-references market sentiment with DCF valuation. Configure the DCF Analysis above to generate a signal.

    DCF Margin of Safety: N/AMr. Market's Mood: Fear (23)
    View CI Full AnalysisView GOOGL Full Analysis

    Frequently Asked Questions: CI vs GOOGL

    Is The Cigna Group or Alphabet Inc. more undervalued in 2026?▼

    Based on our discounted cash flow model, CI trades at a 49.9% margin of safety (intrinsic value $595 vs. price $298), compared to GOOGL's -3447.8% margin of safety (intrinsic $8 vs. $280).

    Which stock has a wider economic moat, The Cigna Group or Alphabet Inc.?▼

    GOOGL scores 89/100 (Wide moat), while CI scores 54/100 (Narrow moat). The moat score measures competitive advantage durability across ROIC consistency, margin stability, revenue predictability, and reinvestment efficiency.

    Is Alphabet Inc. in financial distress?▼

    GOOGL's Altman Z-Score of 2.4 places it in the Grey zone, signaling elevated bankruptcy risk. CI scores 2.6 (Grey zone). The Altman Z-Score is a five-factor model that predicts insolvency within two years; scores below 1.81 indicate significant distress.

    Which company has better free cash flow, The Cigna Group or Alphabet Inc.?▼

    The Cigna Group (CI) generates a 10.1% free cash flow yield, compared to Alphabet Inc.'s -0.0%. A higher FCF yield means the business converts more of its market value into cash that can be returned to shareholders or reinvested.

    Which stock has higher return on invested capital, The Cigna Group or Alphabet Inc.?▼

    GOOGL earns 14.3% ROIC versus CI's 11.9%. A higher ROIC means the company generates more profit per dollar of capital employed, a hallmark of durable competitive advantage in Buffett-style analysis.

    Which dividend is safer, The Cigna Group's or Alphabet Inc.'s?▼

    CI's dividend earns a safety score of 94/100 (Very Safe), compared to GOOGL's 88/100 (Very Safe). CI has raised its dividend for 3 consecutive years.