The Forex Profit Killer: Why More Screen Time Means Less Money
Welcome to the 87th edition! From avoiding the screen time trap to creating custom strategies, pinpointing the best times to trade, and mastering the real rules of success, this edition will help you trade smarter, with more control—and less stress.
Insider Edge: Latest Trading Buzz
The Forex Profit Killer: Why More Screen Time Means Less Money
⏳ Discover how obsessive chart-watching destroys your profits—and simple tactics to manage your time and emotions: Too Much Screen Time Can Kill Your Forex Profits 🧠
Winning Day Trading Strategies—The Keys to Real Success
🤑 Master risk, timing, and psychology with proven strategies to boost both consistency and confidence: Successful Day Trading Strategies 📈
Does Time of Day Make or Break Your Trades? The Surprising Truth
🕒 See how markets move differently by hour—and unlock the secrets to timing your trades for maximum returns: How Time of Day Affects Trade Success 🌞
Develop Your Own Trading Strategy—A Roadmap to Profitable, Repeatable Results
🛠️ Step-by-step instructions for building—and sticking to—systems that fit your personality and market edge: Developing Your Own Trading Strategy 💡
Spotlight on The Cigna Group (CI)
Current Price: ~$272 (late Dec 2025)
Market Cap: ~$73 billion
Dividend Yield: ~2.2%
Sector: Healthcare – Managed Care & Pharmacy Benefits
Why Cigna Stands Out
The Cigna Group is a diversified health services company combining a large medical insurance platform (Cigna Healthcare) with Evernorth, a major pharmacy benefit management and specialty pharmacy business. Evernorth’s scale and high‑margin specialty pharmacy operations drive much of the company’s growth, while the insurance arm provides broad membership and premium revenue across commercial, government, and individual markets.
2025 Financial Snapshot
- Q3 2025 Total Revenue: $69.7 billion, up about 10% year over year and ahead of consensus (~$66.7 billion), driven primarily by Evernorth’s volume and specialty drug growth.
- Q3 2025 Shareholders’ Net Income: $1.9 billion, or GAAP EPS $6.98, compared with $739 million a year earlier.
- Q3 2025 Adjusted Income from Operations: $2.1 billion, adjusted EPS $7.83, slightly above analyst expectations (~$7.64) despite higher medical costs in some lines.
- Medical Care Ratio (Cigna Healthcare): 84.8% in Q3 2025 versus 82.8% a year ago, reflecting pressure from Individual & Family Plans and higher stop‑loss claims, partly offset by strong performance in Specialty & Care Services.
- 2025 Outlook: Management reaffirmed at least $29.60 in adjusted EPS for full‑year 2025, implying high‑single‑digit to low‑double‑digit EPS growth versus 2024.
- Balance Sheet & Cash: Low‑4% SG&A ratios and strong operating cash flow support ongoing dividends, share repurchases, and reinvestment.
Cigna also announced a shift toward a “rebate‑free” PBM model in Evernorth, aiming to simplify drug pricing and potentially pre‑empt regulatory changes.
Growth Drivers
- Evernorth Momentum: Continued growth in specialty pharmacy volumes, biosimilars, and care management services positions Evernorth as a key long‑term earnings engine.
- Membership & Pricing: Premium increases to cover rising medical costs and disciplined underwriting support revenue growth across commercial and government books.
- Operating Leverage: Lower SG&A expense ratios and scale efficiencies create room for margin expansion even as medical costs fluctuate.
Risks to Consider
- Medical Cost Trends: Higher‑than‑expected utilization, particularly in Individual & Family Plans and stop‑loss, can pressure margins and force pricing resets.
- Regulatory & Political Risk: Potential reforms in PBM practices, drug pricing, and government health programs could affect profitability, especially at Evernorth.
- Competition: Intense competition from other integrated payers and PBMs (e.g., UnitedHealth, CVS) may compress margins in key segments.
Analyst Sentiment & Valuation
Many analysts view CI as attractively valued given its low‑teens or better earnings growth profile, resilient cash flows, and integrated health services model, with several “Strong Buy” ratings and price targets implying double‑digit upside.
Bottom Line
The Cigna Group offers a compelling mix of growth and value: a dominant PBM and specialty pharmacy platform in Evernorth, a sizable health insurance franchise, solid EPS visibility, and a reasonable valuation around 9–10× 2025 earnings. For investors comfortable with healthcare policy and medical‑cost risks, CI can serve as a core holding in the managed care and health‑services space.
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Final Key Takeaway
True trading success comes from the right habits and tech—master core skills, automate when you can, and always protect your downside. Let the right mix of skill and innovation shape your profits, now and in the future!