Head-to-head · Stock vs Stock

UnitedHealth Group vs The Cigna Group

Stock·NYSE

UnitedHealth Group Inc. UNH

$402.94 ▼ 0.54%

Buy

75 / 100 AI score

Full UNH analysis →

Stock·NYSE

The Cigna Group CI

$301.45 ▼ 0.55%

Buy

77 / 100 AI score

Full CI analysis →

Last updated: November 12, 2026 (5h 59m ago) • analysis written when UNH was at $402.94 and CI at $301.45

CleaRank Financial AI • Data from TwelveData

Method reviewed by Shaun David, Co-Founder. Figures come from market data providers; the text is written by CleaRank Financial AI and passes automated checks before it publishes. Updated daily. Not financial advice. How this page is made · Report an error

UNH vs CI: the verdict

How UNH and CI compare today, and what CleaRank Financial AI makes of it.

The verdict

CleaRank Financial AI favours CI

UNH CI

75/100 AI score 77/100

+23.1% 1-year change +12.5%

30.5% Volatility (30d, yearly) 32.7%

52.2 RSI (14-day) 55.5

23.0x P/E ratio 13.3x

2.25% Dividend yield 2.05%

The verdict

CI leads on CleaRank's model, with a score of 77/100 (Buy) to UNH's 75/100 (Buy). The earnings record accounts for the widest gap. CI has beaten estimates in 5 of the 5 reports in our data, and its latest report beat the estimate by 6.26%.

Outlook

UNH's uptrend holds while it stays above its 50-day average at $391.19 and its 200-day at $365.31. CI's uptrend holds while it stays above its 50-day average at $287.06 and its 200-day at $282.57.

Price, side by side

Both prices start at 0% on the first day of the period you pick, so the moves compare directly.

Rebased price

-20%0%+20%+23%+12%

Dec '25Feb '26Apr '26Jul '26Sep '26Nov '26

UNH CI

Over 1 year: UNH gained 23.1% and CI gained 12.5%, a gap of 10.6 points in UNH's favour.

Valuation and profitability

What each costs relative to its earnings and sales, and how much of its revenue it keeps.

Side by side

Valuation

Lower multiples mean you pay less for each dollar of earnings or sales.

UNH CI

$361.0B Market cap $79.4B

23.0x P/E ratio 13.3x

0.8x Price / sales 0.3x

3.7x Price / book 1.8x

14.4x EV / EBITDA 8.1x

Profitability

How much of each dollar of revenue becomes profit, and how hard the capital works.

UNH CI

+2.0% Revenue growth (quarter, y/y) +6.7%

3.5% Net margin 2.1%

15.8% Return on equity 15.6%

5.2% Return on assets 4.3%

0.70 Debt / equity 0.71

On valuation

UNH trades on the higher trailing P/E, 23.00 against 13.29 for CI. Both P/Es are at a discount to peers, against a Healthcare median of 31.9. On sales, UNH is valued higher, at 0.81 times against 0.28. UNH is the larger company, worth $361.0B against $79.4B.

On profitability

UNH turns more of its sales into profit, with a net margin of 3.53% compared with 2.09% for CI. Its return on equity is also the higher of the two, at 15.77% against 15.65%. Measured year on year for the latest quarter, revenue grew 1.96% at UNH and 6.65% at CI. The trailing dividend yield is 2.25% for UNH and 2.05% for CI.

Earnings reality check

UNH

UNH beat the estimate in 5 of its last 8 reports (latest Oct '26); the shares fell in the first session after 2 of those beats.

Surprise

+1.0%

-1.2%

-8.3%

+3.9%

+0.0%

+9.6%

+29.7%

+13.3%

Next session

-6.0%

-22.4%

-7.5%

+0.5%

-19.6%

+7.0%

+1.2%

-0.2%

Apr '25Oct '25Apr '26Oct '26

CI

CI beat the estimate in 5 of its last 5 reports (latest Nov '26); the shares fell in the first session after 4 of those beats.

Surprise

+0.7%

+2.5%

+2.4%

+6.3%

Next session

-1.9%

+2.6%

-2.6%

-3.0%

-2.6%

Jul '25Feb '26Apr '26Jul '26Nov '26

Momentum and sentiment

The indicators behind each AI score, side by side.

Indicators side by side

UNH CI

75/100 AI score 77/100

52.2 RSI (14-day) 55.5

+3.0% Price against 50-day average +5.0%

+10.3% Price against 200-day average +6.7%

Technicals

UNH is in an uptrend, trading 3.00% above its 50-day average and 10.30% above its 200-day average. Its 14-day RSI is 52.2, in the neutral zone, with the MACD line positive. CI is in an uptrend, trading 5.01% above its 50-day average and 6.68% above its 200-day average. Its 14-day RSI is 55.5, in the neutral zone, with the MACD line positive. CI sits higher in its 52-week range, at 72% against 71% for UNH.

Sentiment

Of the 26 analysts covering UNH, 21 rate it buy, 5 hold and 0 sell; their median target is $490.00, 21.6% above the price. Of the 25 analysts covering CI, 17 rate it buy, 8 hold and 0 sell; their median target is $340.00, 12.8% above the price.

Risk and practical tips

How much each moves, how much return each has paid for that risk, and what to watch if you hold either.

Risk measures

UNH CI

30.5% Volatility (30d, yearly) 32.7%

0.52 Beta against the S&P 500 0.25

-0.35 Sharpe ratio -0.28

Risk

They move about the same on a typical day, 1.73% for UNH and 1.73% for CI. Against the S&P 500, UNH has a beta of 0.52 and CI 0.25. Their worst falls in the price history were 59.0% for UNH (November 2024 to August 2025) and 41.9% for CI (January 2018 to March 2020). On these measures together, UNH is the riskier of the two.

ProTips

For UNH, watch the 52-week high at $461.62 above the price and the 20-day EMA at $401.48 below it.
For CI, watch the 52-week high at $318.05 above the price and the 20-day EMA at $297.20 below it.

UNH vs CI: long-term scenarios

Simulated paths from each price history. A range of outcomes, not a forecast.

Simulated growth of $10,000

$20K$40K$60K$65.6K$60.8K$20K$18.6K

202620282030203220342035

UNH median UNH 90th CI median CI 90th

UNH CI

$6,091 Downside, 2035 (10th) $5,666

$19,983 Base case, 2035 (median) $18,559

$65,563 Upside, 2035 (90th) $60,792

In the median simulated path, $10,000 in UNH grows to about $20,000 and $10,000 in CI grows to about $18,600 by 2035. The paths come from each asset's own volatility and capped historical trend; they are statistical outcomes, not forecasts. UNH and CI's upside columns reach an extreme multiple of the starting amount; treat them as a statistical tail, not a likely outcome.

UNH vs CI: questions people ask

Answered from the figures on this page.

Frequently Asked Questions

Which is better, UNH or CI?+

On CleaRank's model CI scores higher, 77/100 (Buy) against 75/100 (Buy) for UNH. This describes the data on this page and is not a personal recommendation.

Which has performed better over the past year, UNH or CI?+

UNH has done better: its price rose 23.05% over the past year, while CI rose 12.48%.

Which is cheaper on earnings, UNH or CI?+

CI's trailing P/E is lower, at 13.29, while UNH's is 23.00.

Which pays more income, UNH or CI?+

UNH pays the higher yield, at 2.25% against CI's 2.05%. A yield is the payout divided by the price, so it moves whenever either of those changes.

Which is riskier, UNH or CI?+

UNH is the riskier of the two on the measures we track. Average daily move: 1.73% for UNH, 1.73% for CI. Beta against the S&P 500: 0.52 for UNH, 0.25 for CI. Worst fall in the price history: 59.0% for UNH, 41.9% for CI.

Which has stronger momentum right now, UNH or CI?+

CI has the higher 14-day RSI, 55.5 (neutral) against 52.2 (neutral) for UNH. Both MACD lines are positive. Readings above 70 or below 30 mark stretched momentum.

Which is the bigger company, UNH or CI?+

With a market value of $361.0B, UNH is the larger of the two, ahead of CI at $79.4B.

What do analysts say about UNH and CI?+

Of UNH's 26 analysts, 21 rate it a buy, and the median target sits 21.6% above the price. For CI, 17 of 25 analysts rate it a buy, and its median target is 12.8% above the price.

How would $10,000 have grown in UNH or CI?+

Invested in December 2016, $10,000 would be worth $29,594 today in UNH and $24,925 in CI.

The verdict

Rebased price

Side by side

Valuation

Profitability

Earnings reality check

UNH

CI

Indicators side by side

Risk measures

Simulated growth of $10,000

Frequently Asked Questions

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