Based on the aggregated intelligence of 145,000-plus investors participating in Motley Fool CAPS, the Fool's free investing community, health insurer CIGNA (NYSE:CI) has received a distressing two-star ranking.

With that in mind, let's take a closer look at CIGNA's business and see what CAPS investors are saying about the stock right now.

CIGNA facts

Headquarters (Founded)

Philadelphia (1792)

Market Cap

$9.26 billion


Health-care provider and services

Trailing-12-Month Revenue

$18.6 billion


CEO H. Edward Hanway (since 2000)
COO David Cordani (since 2008)

Return on Equity (Average, Past 3 Years)



$1.04 billion / $2.6 billion

1-Year Return



UnitedHealth (NYSE:UNH)
WellPoint (NYSE:WLP)

CAPS Members Bearish on CI Also Bearish on

Altria (NYSE:MO)

CAPS Members Bullish on CI Also Bullish on

Bank of America (NYSE:BAC)
Capital One Financial (NYSE:COF)

Sources: Capital IQ (a division of Standard & Poor's) and Motley Fool CAPS.

On CAPS, 14.4% of the 320 members who have rated CIGNA believe the stock will underperform the S&P 500 going forward. These bears include Ewok82 and All-Star DarthMaul09, who is ranked in the top 2% of our community.

Just two weeks ago, Ewok82 highlighted the most serious health risk associated with CIGNA:

Their profits are probably secure through the remainder of this year, but if a health care bill passes with a government option, this will hurt the company's profits. Employers will drop both health insurance and more employees in order to survive. Not a healthy combination for an insurance company.

In a pitch from the same day, DarthMaul09 also questioned the stock's recent strength:

The only way this stock should be going up is if the health care bill never leaves the Congress. Unfortunately, I believe that it will make it out of the Senate and when reconciled with the House version, it will be even more disastrous to small businesses and insurance companies. Cigna's health maybe a surrogate marker for the health of the economy, since the Democratic health care bill will lead to a further rise in unemployment, higher costs for small business and some form of a public option, because insurance companies will likely abandon the health care market.

What do you think about CIGNA, or any other stock for that matter? Make your voice heard on Motley Fool CAPS today. The CAPS community is waiting to hear your opinions. CAPS is 100% free, so get started!

Fool contributor Brian Pacampara owns no position in any of the companies mentioned. UnitedHealth and WellPoint are Motley Fool Inside Value picks. UnitedHealth is also a Stock Advisor choice, and the Fool owns shares of it. Google is a recommendation of Rule Breakers. The Fool's disclosure policy always gets a perfect score.