CICigna

Health care · Health Insurance · NYSE

The Cigna Group®, together with its subsidiaries (either individually or collectively referred to as the "Company," "we," "us" or "our"), is a global health company. 10-K, Item 1

Employees: 67,700
Headquarters: Bloomfield, CT
CEO: David Cordani
Next results: around Feb 4, 2027

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What the 10-K filed 2026-02-26 says about risks that are not on the face of the balance sheet, from the notes to the financial statements, Legal Proceedings and the MD&A (and, for big customers and key suppliers, Business and Risk Factors). Tickdelta picks sentences with specifics (amounts, accruals, covenant ratios) and quotes them as filed. New marks a sentence with nothing like it in the 10-K filed 2025-02-27.

Big customers

Customers the company names as a large share of revenue or receivables (it must name any worth 10% of revenue).

No specific sentence about this in the 10-K.

Key suppliers

Parts or manufacturing that depend on one or a few suppliers.

“The amounts confirmed as valid for both periods are predominately associated with one supplier.”
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Lawsuits and legal claims

Pending cases, settlements and what the company has set aside for them.

“The Company accrues for legal and regulatory matters when a loss contingency is both probable and estimable.”
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Guarantees and indemnities

3 new

Promises to pay someone else's debts or losses if they cannot.

New “The liability for these financial and performance guarantees was $1.8 billion as of December 31, 2025 and $1.9 billion as of December 31, 2024.”
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New “More than 99% of the $3.9 billion liability as of December 31, 2025 and the $4.0 billion liability as of December 31, 2024 not reinsured externally is for contracts with guaranteed interest rates of 3% - 4%, and approximately $1.2 billion represented contracts with policies at the guarantee for both period ends.”
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New “At these same period ends, $1.1 billion and $1.2 billion was 50 - 150 basis points ("bps") above the guarantee, and the remaining $1.6 billion as of both December 31, 2025 and December 31, 2024 represented contracts above the guarantee that pay the policyholder based on the greater of a guaranteed minimum cash value or the actual cash value.”
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“Guaranteed separate accounts (see Note 22) $ 247 $231 $ 330 $345 $ — $ — $ 577 $ 576”
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“No liability has been incurred related to these guarantees, and the Company's maximum exposure to these guarantees was approximately $380 million as of December 31, 2025.”
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Debt covenants

Conditions in loan agreements that, if broken, can make debt due early.

“The Company was in compliance with its debt covenants as of December 31, 2025.”
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Commitments off the balance sheet

1 new

Contracts the company must pay for later: purchase obligations, take-or-pay deals.

New “As of December 31, 2025, purchase obligations consisted of a total of $6.3 billion of estimated payments required under contractual arrangements (of which we expect $2.1 billion of purchase obligations to be paid within the next 12 months beginning January 1, 2026).”
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Sentences are chosen by their words, not read by AI, so some can be off topic. Always check the filing. Open the 10-K ↗

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