SCOR SE (SCR.PA) Stock Fundamental Analysis
Europe - Euronext Paris - EPA:SCR - FR0010411983 - Common Stock
27.2 EUR
-0.1 (-0.37%)
SCR gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 48 industry peers in the Insurance industry. Both the profitability and financial health of SCR have multiple concerns. SCR is valued quite cheap, while showing a decent growth score. This is a good combination! Finally SCR also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
SCR had positive earnings in the past year.
Of the past 5 years SCR 4 years were profitable.
In the past 5 years SCR always reported a positive cash flow from operatings.
1.2 Ratios
The Return On Assets of SCR (1.74%) is better than 70.83% of its industry peers.
Looking at the Return On Equity, with a value of 15.11%, SCR is in line with its industry, outperforming 56.25% of the companies in the same industry.
With a decent Return On Invested Capital value of 2.50%, SCR is doing good in the industry, outperforming 70.83% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.74% | ||
| ROE | 15.11% | ||
| ROIC | 2.5% |
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 has a worse Profit Margin (2.70%) than 83.33% of its industry peers.
In the last couple of years the Profit Margin of SCR has declined.
SCR has a worse Operating Margin (5.25%) than 79.17% of its industry peers.
In the last couple of years the Operating Margin of SCR has declined.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 5.25% | ||
| PM (TTM) | 2.7% | ||
| 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.
SCR has about the same amout of shares outstanding than it did 1 year ago.
The number of shares outstanding for SCR has been reduced compared to 5 years ago.
SCR has a worse debt/assets ratio than last year.
2.2 Solvency
A Debt/Equity ratio of 0.81 indicates that SCR is somewhat dependend on debt financing.
SCR has a worse Debt to Equity ratio (0.81) than 64.58% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.81 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACC0.44
WACC5.69%
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.
Measured over the past years, SCR shows a very negative growth in Earnings Per Share. The EPS has been decreasing by -57.79% on average per year.
Looking at the last year, SCR shows a decrease in Revenue. The Revenue has decreased by -0.68% 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)-0.68%
Revenue growth 3Y-3.61%
Revenue growth 5Y-0.88%
Sales Q2Q%-8.3%
3.2 Future
SCR is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 171.11% yearly.
Based on estimates for the next years, SCR will show a decrease in Revenue. The Revenue will decrease by -0.37% on average per year.
EPS Next Y14793.43%
EPS Next 2Y1107.18%
EPS Next 3Y439.43%
EPS Next 5Y171.11%
Revenue Next Year-3.34%
Revenue Next 2Y-0.31%
Revenue Next 3Y-0.01%
Revenue Next 5Y-0.37%
3.3 Evolution
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 5.55, the valuation of SCR can be described as very cheap.
100.00% of the companies in the same industry are more expensive than SCR, based on the Price/Earnings ratio.
SCR is valuated cheaply when we compare the Price/Earnings ratio to 26.11, which is the current average of the S&P500 Index.
With a Price/Forward Earnings ratio of 6.22, the valuation of SCR can be described as very cheap.
Compared to the rest of the industry, the Price/Forward Earnings ratio of SCR indicates a rather cheap valuation: SCR is cheaper than 100.00% of the companies listed in the same industry.
When comparing the Price/Forward Earnings ratio of SCR to the average of the S&P500 Index (36.21), we can say SCR is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.55 | ||
| Fwd PE | 6.22 |
4.2 Price Multiples
89.58% of the companies in the same industry are more expensive than SCR, based on the Enterprise Value to EBITDA ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 4.27 |
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.
SCR's earnings are expected to grow with 439.43% in the coming years. This may justify a more expensive valuation.
PEG (NY)0
PEG (5Y)N/A
EPS Next 2Y1107.18%
EPS Next 3Y439.43%
5. Dividend
5.1 Amount
SCR has a Yearly Dividend Yield of 6.55%, which is a nice return.
Compared to an average industry Dividend Yield of 4.47, SCR pays a better dividend. On top of this SCR pays more dividend than 91.67% of the companies listed in the same industry.
SCR's Dividend Yield is rather good when compared to the S&P500 average which is at 2.32.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.55% |
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's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP0%
EPS Next 2Y1107.18%
EPS Next 3Y439.43%
EPA:SCR (12/2/2025, 9:22:17 AM)
27.2
-0.1 (-0.37%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners49.04%
Inst Owner ChangeN/A
Ins Owners0.04%
Ins Owner ChangeN/A
Market Cap4.88B
Revenue(TTM)15.93B
Net Income(TTM)624.00M
Analysts76.67
Price Target31.89 (17.24%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.55% |
Yearly Dividend1.81
Dividend Growth(5Y)0.57%
DP0%
Div Incr Years1
Div Non Decr Years1
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)21.81%
Min EPS beat(2)9.26%
Max EPS beat(2)34.36%
EPS beat(4)3
Avg EPS beat(4)-32.48%
Min EPS beat(4)-182.14%
Max EPS beat(4)34.36%
EPS beat(8)3
Avg EPS beat(8)-55.89%
EPS beat(12)6
Avg EPS beat(12)-35.39%
EPS beat(16)8
Avg EPS beat(16)-94.76%
Revenue beat(2)2
Avg Revenue beat(2)9.58%
Min Revenue beat(2)7.42%
Max Revenue beat(2)11.75%
Revenue beat(4)4
Avg Revenue beat(4)7.4%
Min Revenue beat(4)2.78%
Max Revenue beat(4)11.75%
Revenue beat(8)8
Avg Revenue beat(8)5.93%
Revenue beat(12)12
Avg Revenue beat(12)16.09%
Revenue beat(16)16
Avg Revenue beat(16)27.18%
PT rev (1m)1.49%
PT rev (3m)1.21%
EPS NQ rev (1m)0%
EPS NQ rev (3m)16.13%
EPS NY rev (1m)2.92%
EPS NY rev (3m)2.88%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.76%
Revenue NY rev (1m)2.58%
Revenue NY rev (3m)2.43%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.55 | ||
| Fwd PE | 6.22 | ||
| P/S | 0.21 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 1.18 | ||
| P/tB | 1.5 | ||
| EV/EBITDA | 4.27 |
EPS(TTM)4.9
EY18.01%
EPS(NY)4.37
Fwd EY16.07%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS128.97
BVpS23.02
TBVpS18.09
PEG (NY)0
PEG (5Y)N/A
Graham Number50.38
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.74% | ||
| ROE | 15.11% | ||
| ROCE | 3.4% | ||
| ROIC | 2.5% | ||
| ROICexc | 2.66% | ||
| ROICexgc | 3.29% | ||
| OM | 5.25% | ||
| PM (TTM) | 2.7% | ||
| GM | N/A | ||
| FCFM | N/A |
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-ScoreN/A
Asset Turnover0.65
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.81 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | 2.32 | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | N/A | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-ScoreN/A
WACC5.69%
ROIC/WACC0.44
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 Y14793.43%
EPS Next 2Y1107.18%
EPS Next 3Y439.43%
EPS Next 5Y171.11%
Revenue 1Y (TTM)-0.68%
Revenue growth 3Y-3.61%
Revenue growth 5Y-0.88%
Sales Q2Q%-8.3%
Revenue Next Year-3.34%
Revenue Next 2Y-0.31%
Revenue Next 3Y-0.01%
Revenue Next 5Y-0.37%
EBIT growth 1Y-13.9%
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-39.53%
FCF growth 3Y-27.74%
FCF growth 5Y4.24%
OCF growth 1Y-38.99%
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 of SCOR SE (SCR.PA) stock?
ChartMill assigns a valuation rating of 8 / 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 3 / 10.
Can you provide the PE and PB ratios for SCR stock?
The Price/Earnings (PE) ratio for SCOR SE (SCR.PA) is 5.55 and the Price/Book (PB) ratio is 1.18.
How financially healthy is SCOR SE?
The financial health rating of SCOR SE (SCR.PA) is 1 / 10.