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The Cigna Group (CI) vs Johnson & Johnson (JNJ)

CI
The Cigna Group
$264.57
VS
JNJ
Johnson & Johnson
$237.60

Rewards

CI
  • ★Share count has been reduced by 12% over the past 4 years through buybacks, increasing each share's claim on earnings.
  • ★Dividend yield of 2.36% with a consistent or growing payout over the past 4 years.
  • ★FCF yield of 13.8% is historically attractive — the business generates significant cash relative to its price.
JNJ
  • ★Johnson & Johnson has maintained ROIC above 10% for 4 consecutive years, suggesting solid business economics.
  • ★Gross margin of 68.1% indicates strong pricing power — typical of businesses with significant intellectual property or brand strength.
  • ★Johnson & Johnson scores 90/100 on the Economic Moat Score (Wide Moat), with revenue predictability as the strongest competitive dimension.

Risks

CI
  • ⚠Gross margin of 9.3% is low, suggesting a competitive or commodity-like market with limited pricing power.
JNJ
  • ⚠FCF yield of 2.9% is below 3%, meaning the market is pricing in substantial future growth to justify the current price.
  • ⚠7 insider sales totaling $58.4M with no purchases in the past 3 months — insiders are reducing their exposure.

Key Valuation Metrics

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CI
JNJ
Valuation
$9.77B
Free Cash Flow
$16.63B
13.82%
FCF Yield
2.90%
11.93
Trailing P/E
21.56
7.90
Forward P/E
18.90
Quality & Moat
10.45%
ROIC
13.63%
14.23%
ROE
32.87%
9.30%
Gross Margin
68.08%
N/A
PEG Ratio
0.44
Balance Sheet Safety
0.75
Debt / Equity
0.60
N/A
Interest Coverage
N/A
1.89
Net Debt / EBITDA
0.86
2.36%
Dividend Yield
2.19%
CI: 4Ties: 1JNJ: 6
CIJNJ

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.

JNJ

Price ÷ Earnings Per Share — how many years of current earnings you're paying for at today's price. Lower P/E may indicate undervaluation.

Price ÷ Earnings Per Share — how many years of current earnings you're paying for at today's price. Lower P/E may indicate undervaluation.

$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
JNJ
$0.91
created per $1 retained over 3 years
Mediocre Allocator
Σ Retained
$40.05B
Δ Market Cap
+$36.63B
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
44.1% Margin of Safety
Price is 44.1% below estimated fair value
Current Price: $264.57
Fair Value: $473.23
Strongly undervalued
Undervalued
Fairly valued
Overvalued
Strongly overvalued
JNJ
2.9% Margin of Safety
Price is 2.9% below estimated fair value
Current Price: $237.60
Fair Value: $244.77
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 $265?

+4.4%
Market-Implied Owner Earnings Growth
Standard FCF implies -2.5%

The market implies +4.4% Owner Earnings growth, above historical trends.

Standard FCF implies a demanding -2.5%, reflecting heavy growth investment.

JNJ

What growth rate is the market pricing in at $238?

+9.3%
Market-Implied Owner Earnings Growth
Standard FCF implies +15.8%

The market implies +9.3% Owner Earnings growth, below historical trends — potential opportunity.

Standard FCF implies a more demanding +15.8%, reflecting heavy growth investment expected to generate future returns.

Economic Moat Score

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CI
34/100
No Moat
70+ Wide · 40-69 Narrow · <40 None

No durable moat detected, though reinvestment efficiency shows some competitive positioning. The business lacks consistent evidence of sustainable advantages.

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.
JNJ
90/100
Wide Moat
70+ Wide · 40-69 Narrow · <40 None

Wide moat with strength across all dimensions. Revenue Predictability is the standout factor.

Composite score measuring competitive advantage durability across four dimensions: returns above cost of capital, pricing power stability, revenue predictability, and capital efficiency. Based on 5 years of fundamental data.

Forensic Accounting

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CI
-2.49
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.
JNJ
-2.31
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 91.6%Retail & Other 6.9%
No. of Institutional Holders2,182
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.
JNJ
Insiders 0.1%Institutions 75.8%Retail & Other 24.2%
No. of Institutional Holders5,544
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
JNJ
0
Buys (3M)
1
Buys (12M)
Total value (12M): $257,688
MORIKIS JOHN G
Director
$257,688
@ $206.15 · 2025-11-26
WEINBERGER MARK A
Director
$147,220
@ $147.22 · 2024-12-12
WOODS EUGENE A
Director
$14,553
@ $145.53 · 2024-04-30
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
2
Sells (3M)
4
Sells (12M)
Total value (12M): $11.33M
NEVILLE EVERETT
Officer
$496,636
@ $288.91 · 2026-03-02
JONES NICOLE S.
Officer
$666,515
@ $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
CORDANI DAVID M
Chief Executive Officer
$8.17M
@ $308.12 · 2025-03-03
JONES NICOLE S.
Officer
$1.51M
@ $308.12 · 2025-03-03
DELANEY WILLIAM J.
Director
$922,152
@ $342.68 · 2024-08-19
JONES NICOLE S.
General Counsel
$7.29M
@ $330.96 · 2024-08-12
TRIPLETT MICHAEL W
Officer
$2.25M
@ $329.94 · 2024-08-12
EVANKO BRIAN C
Officer
$1.65M
@ $345.01 · 2024-06-24
GRANGER ELDER
Director
$181,265
@ $331.38 · 2024-06-17
GRANGER ELDER
Director
$338,080
@ $338.08 · 2024-06-12
EDER NOELLE K
Officer
$3.73M
@ $348.47 · 2024-05-14
AGOGLIA HOELTZEL MARY T
Officer
$2.07M
@ $348.71 · 2024-05-14
CORDANI DAVID M
Chief Executive Officer
$14.15M
@ $355.15 · 2024-03-25
Direct ownership only · excludes indirect, option exercises, planned (10b5-1) sales & derivatives
JNJ
7
Sells (3M)
12
Sells (12M)
Total value (12M): $101.23M
DECKER ROBERT J
Officer
$1.01M
@ $247.87 · 2026-02-27
SCHMID TIMOTHY
Officer
$324,763
@ $245.66 · 2026-02-20
SCHMID TIMOTHY
Officer
$5.53M
@ $244.33 · 2026-02-18
WOLK JOSEPH J
Chief Financial Officer
$21.77M
@ $242.80 · 2026-02-17
SWANSON JAMES D
Chief Technology Officer
$15.11M
@ $243.39 · 2026-02-17
BROADHURST VANESSA
Officer
$1.51M
@ $243.39 · 2026-02-17
REED JOHN C
Officer
$13.11M
@ $243.00 · 2026-02-17
REED JOHN C
Officer
$4.19M
@ $192.71 · 2025-10-17
TAUBERT JENNIFER L
Officer
$10.04M
@ $177.81 · 2025-09-04
DUATO JOAQUIN BOIX
Chief Executive Officer
$22.55M
@ $179.21 · 2025-08-22
WOLK JOSEPH J
Chief Financial Officer
$2.98M
@ $176.91 · 2025-08-15
REED JOHN C
Officer
$3.13M
@ $163.55 · 2025-07-17
DECKER ROBERT J
Officer
$1.16M
@ $165.88 · 2025-02-25
SCHMID TIMOTHY
Officer
$62,928
@ $156.15 · 2025-02-18
WOLK JOSEPH J
Chief Financial Officer
$2.00M
@ $153.89 · 2025-02-07
DECKER ROBERT J
Officer
$930,113
@ $165.06 · 2024-08-30
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
😨Fear(37/100)

"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.
JNJ
FearGreed
😐Neutral(59/100)

"Market is pricing this stock without strong emotion in either direction"

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: Fear (37)
JNJ
⚪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: Neutral (59)
View CI Full AnalysisView JNJ Full Analysis