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Andrew Rice

Research Analyst at UBS

Andrew Rice is a Private Wealth Advisor in the UBS International Division based in New York, specializing in comprehensive wealth management, portfolio construction, tactical trading, and estate planning for international clients. He covers a diverse range of companies for high-net-worth and ultra-high-net-worth investors, with a fiduciary focus and a performance record recognized through industry accolades and third-party quantitative evaluation. Andrew began his financial services career in 1999 at JPMorgan Private Bank, where he spent 15 years before joining UBS in 2014, leveraging his expertise to build enduring client relationships. He holds a B.S. in Accounting from Binghamton University, a Master’s in Wealth Management from Columbia University, and is an industry leader with authority in securities advisory and FINRA registration.

Andrew Rice's questions to Cigna (CI) leadership

Question · Q3 2025

Andrew Rice asked for a general ballpark estimate of the expected EPS growth for 2026, considering the varied performance across Cigna Healthcare, specialty and care services, and pharmacy benefit services, and inquired about assumptions for capital deployment. He also questioned employer receptiveness to the new rebate-free model, given past preferences for rebate pools.

Answer

David Cordani, Chairman and CEO, reiterated that Cigna Healthcare and specialty and care services are expected to grow at the higher end of their long-term algorithms, while pharmacy benefit services will decline in 2026. He noted that 2026 capital deployment, including share repurchases and deleveraging, would be back-half weighted. Cordani emphasized the new model's transparency and consumer benefits, stating it would be the standard offering, but Cigna would maintain a consultative approach for clients preferring other options.

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