SCOR SE (SCR.PA) Stock Fundamental Analysis
Europe - Euronext Paris - EPA:SCR - FR0010411983 - Common Stock
28.18 EUR
-0.36 (-1.26%)
SCR gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 46 industry peers in the Insurance industry. While SCR is still in line with the averages on profitability rating, there are concerns on its financial health. SCR may be a bit undervalued, certainly considering the very reasonable score on growth SCR also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
SCR had positive earnings in the past year.
In the past year SCR had a positive cash flow from operations.
SCR had positive earnings in 4 of the past 5 years.
In the past 5 years SCR always reported a positive cash flow from operatings.
1.2 Ratios
Looking at the Return On Assets, with a value of 2.71%, SCR is in the better half of the industry, outperforming 71.74% of the companies in the same industry.
The Return On Equity of SCR (22.10%) is better than 82.61% of its industry peers.
The Return On Invested Capital of SCR (3.32%) is better than 78.26% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.71% | ||
| ROE | 22.1% | ||
| ROIC | 3.32% |
ROA(3y)-0.63%
ROA(5y)-0.1%
ROE(3y)-4.88%
ROE(5y)-0.74%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
SCR's Profit Margin of 4.15% is on the low side compared to the rest of the industry. SCR is outperformed by 82.61% of its industry peers.
SCR's Profit Margin has declined in the last couple of years.
The Operating Margin of SCR (6.88%) is worse than 73.91% of its industry peers.
In the last couple of years the Operating Margin of SCR has declined.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 6.88% | ||
| PM (TTM) | 4.15% | ||
| GM | N/A |
OM growth 3Y-19.97%
OM growth 5Y-12.19%
PM growth 3Y-78.6%
PM growth 5Y-60.26%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
SCR has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
Compared to 1 year ago, SCR has about the same amount of shares outstanding.
Compared to 5 years ago, SCR has less shares outstanding
Compared to 1 year ago, SCR has a worse debt to assets ratio.
2.2 Solvency
SCR has a debt to FCF ratio of 3.01. This is a good value and a sign of high solvency as SCR would need 3.01 years to pay back of all of its debts.
Looking at the Debt to FCF ratio, with a value of 3.01, SCR is in line with its industry, outperforming 47.83% of the companies in the same industry.
SCR has a Debt/Equity ratio of 0.80. This is a neutral value indicating SCR is somewhat dependend on debt financing.
SCR has a Debt to Equity ratio of 0.80. This is in the lower half of the industry: SCR underperforms 67.39% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.8 | ||
| Debt/FCF | 3.01 | ||
| Altman-Z | N/A |
ROIC/WACC0.57
WACC5.85%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 1461.11% over the past year.
The earnings per share for SCR have been decreasing by -57.79% on average. This is quite bad
Looking at the last year, SCR shows a decrease in Revenue. The Revenue has decreased by -4.19% in the last year.
The Revenue has been decreasing by -0.88% on average over the past years.
EPS 1Y (TTM)1461.11%
EPS 3Y-76.98%
EPS 5Y-57.79%
EPS Q2Q%287.69%
Revenue 1Y (TTM)-4.19%
Revenue growth 3Y-3.61%
Revenue growth 5Y-0.88%
Sales Q2Q%-8.3%
3.2 Future
Based on estimates for the next years, SCR will show a very strong growth in Earnings Per Share. The EPS will grow by 170.33% on average per year.
The Revenue is expected to decrease by -0.66% on average over the next years.
EPS Next Y15045.52%
EPS Next 2Y1095.64%
EPS Next 3Y434.72%
EPS Next 5Y170.33%
Revenue Next Year-3.77%
Revenue Next 2Y-0.54%
Revenue Next 3Y-0.2%
Revenue Next 5Y-0.66%
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
SCR is valuated cheaply with a Price/Earnings ratio of 5.75.
Compared to the rest of the industry, the Price/Earnings ratio of SCR indicates a rather cheap valuation: SCR is cheaper than 97.83% of the companies listed in the same industry.
The average S&P500 Price/Earnings ratio is at 27.25. SCR is valued rather cheaply when compared to this.
SCR is valuated cheaply with a Price/Forward Earnings ratio of 6.57.
97.83% of the companies in the same industry are more expensive than SCR, based on the Price/Forward Earnings ratio.
When comparing the Price/Forward Earnings ratio of SCR to the average of the S&P500 Index (23.98), we can say SCR is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.75 | ||
| Fwd PE | 6.57 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, SCR is valued cheaper than 93.48% of the companies in the same industry.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of SCR indicates a rather cheap valuation: SCR is cheaper than 80.43% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 4.37 | ||
| EV/EBITDA | 3.62 |
4.3 Compensation for Growth
The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
A more expensive valuation may be justified as SCR's earnings are expected to grow with 434.72% in the coming years.
PEG (NY)0
PEG (5Y)N/A
EPS Next 2Y1095.64%
EPS Next 3Y434.72%
5. Dividend
5.1 Amount
SCR has a Yearly Dividend Yield of 6.37%, which is a nice return.
Compared to an average industry Dividend Yield of 3.93, SCR pays a better dividend. On top of this SCR pays more dividend than 91.30% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 1.92, SCR pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.37% |
5.2 History
The dividend of SCR has a limited annual growth rate of 0.57%.
Dividend Growth(5Y)0.57%
Div Incr Years1
Div Non Decr Years1
5.3 Sustainability
SCR pays out 33.61% of its income as dividend. This is a sustainable payout ratio.
The dividend of SCR is growing, but earnings are growing more, so the dividend growth is sustainable.
DP33.61%
EPS Next 2Y1095.64%
EPS Next 3Y434.72%
EPA:SCR (1/13/2026, 12:06:43 PM)
28.18
-0.36 (-1.26%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners50.12%
Inst Owner ChangeN/A
Ins Owners0.03%
Ins Owner ChangeN/A
Market Cap5.05B
Revenue(TTM)23.08B
Net Income(TTM)958.00M
Analysts76.67
Price Target32.02 (13.63%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.37% |
Yearly Dividend1.81
Dividend Growth(5Y)0.57%
DP33.61%
Div Incr Years1
Div Non Decr Years1
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)8.16%
Min EPS beat(2)7.05%
Max EPS beat(2)9.26%
EPS beat(4)4
Avg EPS beat(4)14.82%
Min EPS beat(4)7.05%
Max EPS beat(4)34.36%
EPS beat(8)4
Avg EPS beat(8)-52.13%
EPS beat(12)7
Avg EPS beat(12)-21.47%
EPS beat(16)8
Avg EPS beat(16)-98.74%
Revenue beat(2)2
Avg Revenue beat(2)6.52%
Min Revenue beat(2)5.61%
Max Revenue beat(2)7.42%
Revenue beat(4)4
Avg Revenue beat(4)8.1%
Min Revenue beat(4)5.61%
Max Revenue beat(4)11.75%
Revenue beat(8)8
Avg Revenue beat(8)6.18%
Revenue beat(12)12
Avg Revenue beat(12)15.5%
Revenue beat(16)16
Avg Revenue beat(16)26.93%
PT rev (1m)0%
PT rev (3m)1.92%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-6.42%
EPS NY rev (1m)0.63%
EPS NY rev (3m)4.66%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.62%
Revenue NY rev (1m)-0.01%
Revenue NY rev (3m)2.13%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.75 | ||
| Fwd PE | 6.57 | ||
| P/S | 0.22 | ||
| P/FCF | 4.37 | ||
| P/OCF | 4.2 | ||
| P/B | 1.17 | ||
| P/tB | 1.46 | ||
| EV/EBITDA | 3.62 |
EPS(TTM)4.9
EY17.39%
EPS(NY)4.29
Fwd EY15.22%
FCF(TTM)6.45
FCFY22.89%
OCF(TTM)6.7
OCFY23.78%
SpS128.66
BVpS24.17
TBVpS19.24
PEG (NY)0
PEG (5Y)N/A
Graham Number51.62
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.71% | ||
| ROE | 22.1% | ||
| ROCE | 4.51% | ||
| ROIC | 3.32% | ||
| ROICexc | 3.52% | ||
| ROICexgc | 4.36% | ||
| OM | 6.88% | ||
| PM (TTM) | 4.15% | ||
| GM | N/A | ||
| FCFM | 5.01% |
ROA(3y)-0.63%
ROA(5y)-0.1%
ROE(3y)-4.88%
ROE(5y)-0.74%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3Y-11.91%
ROICexgc growth 5Y-6.82%
ROICexc growth 3Y-13.22%
ROICexc growth 5Y-8.16%
OM growth 3Y-19.97%
OM growth 5Y-12.19%
PM growth 3Y-78.6%
PM growth 5Y-60.26%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.65
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.8 | ||
| Debt/FCF | 3.01 | ||
| Debt/EBITDA | 1.92 | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | 14.69 | ||
| Cash Conversion | 66.41% | ||
| Profit Quality | 120.77% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score7
WACC5.85%
ROIC/WACC0.57
Cap/Depr(3y)19.46%
Cap/Depr(5y)36.14%
Cap/Sales(3y)0.27%
Cap/Sales(5y)0.42%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)1461.11%
EPS 3Y-76.98%
EPS 5Y-57.79%
EPS Q2Q%287.69%
EPS Next Y15045.52%
EPS Next 2Y1095.64%
EPS Next 3Y434.72%
EPS Next 5Y170.33%
Revenue 1Y (TTM)-4.19%
Revenue growth 3Y-3.61%
Revenue growth 5Y-0.88%
Sales Q2Q%-8.3%
Revenue Next Year-3.77%
Revenue Next 2Y-0.54%
Revenue Next 3Y-0.2%
Revenue Next 5Y-0.66%
EBIT growth 1Y48.87%
EBIT growth 3Y-22.86%
EBIT growth 5Y-12.97%
EBIT Next Year278.01%
EBIT Next 3Y62.25%
EBIT Next 5YN/A
FCF growth 1Y-10.38%
FCF growth 3Y-27.74%
FCF growth 5Y4.24%
OCF growth 1Y-10.16%
OCF growth 3Y-27.87%
OCF growth 5Y1.43%
SCOR SE / SCR.PA FAQ
What is the ChartMill fundamental rating of SCOR SE (SCR.PA) stock?
ChartMill assigns a fundamental rating of 4 / 10 to SCR.PA.
What is the valuation status for SCR stock?
ChartMill assigns a valuation rating of 9 / 10 to SCOR SE (SCR.PA). This can be considered as Undervalued.
What is the profitability of SCR stock?
SCOR SE (SCR.PA) has a profitability rating of 4 / 10.
How financially healthy is SCOR SE?
The financial health rating of SCOR SE (SCR.PA) is 2 / 10.
What is the expected EPS growth for SCOR SE (SCR.PA) stock?
The Earnings per Share (EPS) of SCOR SE (SCR.PA) is expected to grow by 15045.52% in the next year.