UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K (Mark One) ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2025 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from ______________ to ______________ Commission file number 001-38769 The Cigna Group (Exact name of registrant as specified in its charter) Delaware 82-4991898 (State ...

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Group 1 - Cigna has initiated a cost-cutting initiative that includes workforce reductions, expected to continue until the end of 2026 [3][4] - The company plans to lay off approximately 2,000 employees, which is just under 3% of its total workforce, by the end of February [8] - Cigna's CFO emphasized the focus on affordability and value for patients while aiming to meet financial targets [5] Group 2 - The layoffs at Cigna are part of a broader trend among health insurers responding to increased medical spending, with other companies like Aetna and Horizon Blue Cross Blue Shield also announcing job cuts [6][8] - Cigna has faced unexpectedly high spending on stop-loss products, despite being relatively insulated from rising medical costs affecting government programs [4]

Core Viewpoint - Zacks Premium offers tools and resources to help investors make informed decisions and invest confidently in the stock market Group 1: Zacks Style Scores - Zacks Style Scores rate stocks based on value, growth, and momentum characteristics, serving as complementary indicators to the Zacks Rank [2] - Each stock is assigned a rating from A to F, with A indicating the highest potential for outperformance [3] - The Style Scores are categorized into Value Score, Growth Score, Momentum Score, and VGM Score, each focusing on different investment strategies [3][4][5][6] Group 2: Zacks Rank - The Zacks Rank is a proprietary model that uses earnings estimate revisions to help investors build successful portfolios [7] - Stocks rated 1 (Strong Buy) have historically produced an average annual return of +23.83% since 1988, significantly outperforming the S&P 500 [7] - Investors are encouraged to select stocks with a Zacks Rank of 1 or 2 and Style Scores of A or B for optimal success [9][10] Group 3: Company Spotlight - Cigna Corporation - Cigna Corporation, headquartered in Bloomfield, CT, operates under the ticker symbol "CI" and has a Zacks Rank of 3 (Hold) with a VGM Score of A [11] - The company has a Value Style Score of A, supported by a forward P/E ratio of 9.68, making it attractive to value investors [12] - Recent upward revisions in earnings estimates and a Zacks Consensus Estimate increase of $0.05 to $30.41 per share highlight Cigna's potential, along with an average earnings surprise of +2.7% [12]

Core Insights - Cigna Group (CI) is a healthcare insurance provider with a market cap of $78 billion, offering various insurance products including life, accident, disability, supplemental, Medicare, and dental insurance [1] Performance Overview - CI shares have underperformed the broader market over the past year, gaining only 1.7% compared to the S&P 500 Index's nearly 14% increase [2] - In 2026, CI's stock rose 6.1%, outperforming the S&P 500's 1.3% rise on a year-to-date (YTD) basis [2] Comparison with Industry Peers - CI has outperformed the iShares U.S. Healthcare Providers ETF (IHF), which has declined about 12.8% over the past year, while CI's YTD returns exceed the ETF's 6% losses [3] Financial Results - On February 5, CI reported Q4 results with an adjusted EPS of $8.08, surpassing Wall Street expectations of $7.87, and adjusted revenue of $72.5 billion, exceeding forecasts of $69.9 billion [4] - For the current fiscal year ending in December, analysts expect CI's EPS to grow 1.5% to $30.28 on a diluted basis [5] Analyst Ratings - CI has a strong earnings surprise history, beating consensus estimates in the last four quarters, with a consensus rating of "Strong Buy" from 23 analysts [5] - RBC Capital analyst Ben Hendrix maintained a "Buy" rating on CI with a price target of $333, indicating a potential upside of 12.9% from current levels [6] - The mean price target of $330.95 suggests a 12.2% premium to CI's current price, while the highest target of $378 indicates an ambitious upside potential of 28.1% [6]

Core Insights - Cigna reported fourth-quarter income and revenue that surpassed analyst expectations, driven by strong growth in its specialty pharmacy operations, which helped mitigate rising medical costs [1][4] - The company's shares rose over 3% intra-day following the positive results [1] Financial Performance - Cigna's adjusted operating earnings for the quarter were $8.08 per share, exceeding Bloomberg consensus estimates of $7.88 [4] - Adjusted revenue increased by 10% year-over-year to $72.50 billion, significantly above analyst expectations of $69.53 billion [4] - The quarterly medical care ratio rose to 88% from 87.9% a year earlier, surpassing expectations of 87.4%, indicating increased spending on medical care [4] Business Segments - Evernorth, Cigna's division for pharmacy benefit management, saw a 20% year-over-year revenue increase to $36.3 billion, aided by new client additions and growth in the specialty pharmacy unit focusing on high-cost medications [3] - Cigna has shifted its focus away from offering Medicare Advantage plans for individuals aged 65 and older, instead relying more on its pharmacy benefits business and employer-sponsored health plans [2] Future Projections - For fiscal 2026, Cigna anticipates adjusted operating earnings per share of at least $30.25 and adjusted revenue of approximately $280 billion [5] - The company projects a full-year healthcare medical care ratio of 83.0% to 84.7% [5]

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Core Viewpoint - The article emphasizes the importance of conducting thorough due diligence and research before making any investment decisions, highlighting that past performance does not guarantee future results [2][3]. Group 1 - The author does not hold any stock, options, or similar derivative positions in the companies mentioned and has no plans to initiate such positions in the near future [1]. - The article clarifies that it is not financial advice and that the author is not a licensed financial advisor, urging investors to understand the risks involved in various trading styles [2]. - It is noted that investing in European and non-US stocks may involve specific withholding tax risks, and investors are encouraged to consult tax professionals regarding these matters [2]. Group 2 - The article states that Seeking Alpha's analysts are third-party authors, which may include both professional and individual investors who may not be licensed or certified [3]. - There is a reminder that no recommendations or advice are being given regarding the suitability of any investment for particular investors [3].

Core Insights - Cigna Group reported fourth-quarter 2025 adjusted EPS of $8.08, exceeding estimates by 2.7% and reflecting a 22% year-over-year increase [1][9] - Adjusted revenues reached $72.5 billion, a 10% year-over-year rise, surpassing consensus estimates by 3.7% [1][9] Financial Performance - The Evernorth Health Services segment significantly contributed to quarterly results, driven by new business and client relationship expansion, alongside strong performance in Pharmacy Benefit Services and improved specialty volumes [2][5] - Cigna's medical customer base stood at 18.1 million, a decline of 5.4% year-over-year, impacted by divestitures to Health Care Services Corporation (HCSC) [3] - Total benefits and expenses increased by 10% year-over-year to $70.1 billion, primarily due to higher pharmacy and service costs [4] - Adjusted income from operations was $2.1 billion, up 16% year-over-year, benefiting from improved contributions from Cigna Healthcare and Evernorth Health Services [4] Segment Performance - Evernorth Health Services recorded revenues of $63.1 billion, a 17% year-over-year increase, exceeding estimates of $59.2 billion [5] - Cigna Healthcare's revenues fell 16% year-over-year to $11.1 billion, although it beat estimates by 2.1% [6] - Adjusted operating income for Cigna Healthcare surged 44% year-over-year to $734 million, despite missing consensus estimates by 2.7% [7] Financial Position - As of December 31, 2025, Cigna had cash and cash equivalents of $7.7 billion, a 1.7% increase from the previous year [8] - Total assets rose to $157.9 billion from $155.9 billion at the end of 2024 [8] - Long-term debt increased by 6.7% to $30.9 billion, while total equity grew by 1.5% to $41.9 billion [10] Capital Deployment - Cigna repurchased shares worth approximately $3.6 billion in 2025 [11] 2026 Outlook - Adjusted EPS is projected to be at least $30.25, indicating a minimum growth of 1.4% from 2025 [12] - Adjusted revenues are expected to reach around $280 billion, reflecting a 1.9% improvement from 2025 [13] - The adjusted SG&A expense ratio is estimated to be around 5% [13]