SCOR SE (SCR.PA) Stock Fundamental Analysis
EPA:SCR - Euronext Paris - Matif - FR0010411983 - Common Stock - Currency: EUR
Overall SCR gets a fundamental rating of 3 out of 10. We evaluated SCR against 38 industry peers in the Insurance industry. Both the profitability and financial health of SCR have multiple concerns. SCR has a valuation in line with the averages, but on the other hand it scores bad on growth. Finally SCR also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
In the past year SCR was profitable.
SCR had a positive operating cash flow 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
SCR has a Return On Assets of 0.22%. This is amonst the worse of the industry: SCR underperforms 84.21% of its industry peers.
With a Return On Equity value of 1.83%, SCR is not doing good in the industry: 84.21% of the companies in the same industry are doing better.
SCR's Return On Invested Capital of 1.27% is in line compared to the rest of the industry. SCR outperforms 55.26% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.22% | ||
| ROE | 1.83% | ||
| ROIC | 1.27% |
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
With a Profit Margin value of 0.35%, SCR is not doing good in the industry: 86.84% of the companies in the same industry are doing better.
SCR's Profit Margin has declined in the last couple of years.
SCR's Operating Margin of 2.70% is on the low side compared to the rest of the industry. SCR is outperformed by 86.84% of its industry peers.
In the last couple of years the Operating Margin of SCR has declined.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 2.7% | ||
| PM (TTM) | 0.35% | ||
| 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
The debt/assets ratio for SCR is higher compared to a year ago.
2.2 Solvency
SCR has a debt to FCF ratio of 4.06. This is a neutral value as SCR would need 4.06 years to pay back of all of its debts.
With a Debt to FCF ratio value of 4.06, SCR perfoms like the industry average, outperforming 47.37% of the companies in the same industry.
SCR has a Debt/Equity ratio of 0.78. This is a neutral value indicating SCR is somewhat dependend on debt financing.
SCR's Debt to Equity ratio of 0.78 is on the low side compared to the rest of the industry. SCR is outperformed by 71.05% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.78 | ||
| Debt/FCF | 4.06 | ||
| Altman-Z | N/A |
ROIC/WACC0.22
WACC5.73%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The earnings per share for SCR have decreased strongly by -98.81% in the last 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.
SCR shows a decrease in Revenue. In the last year, the revenue decreased by -3.25%.
The Revenue has been decreasing by -0.88% on average over the past years.
EPS 1Y (TTM)-98.81%
EPS 3Y-76.98%
EPS 5Y-57.79%
EPS Q2Q%1.82%
Revenue 1Y (TTM)-3.25%
Revenue growth 3Y-3.61%
Revenue growth 5Y-0.88%
Sales Q2Q%-0.91%
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 169.15% on average per year.
SCR is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.02% yearly.
EPS Next Y13484.5%
EPS Next 2Y1117.07%
EPS Next 3Y444.4%
EPS Next 5Y169.15%
Revenue Next Year2.59%
Revenue Next 2Y2.62%
Revenue Next 3Y3.02%
Revenue Next 5YN/A
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.
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
The Price/Earnings ratio is 581.20, which means the current valuation is very expensive for SCR.
SCR's Price/Earnings ratio is rather expensive when compared to the industry. SCR is more expensive than 89.47% of the companies in the same industry.
When comparing the Price/Earnings ratio of SCR to the average of the S&P500 Index (27.30), we can say SCR is valued expensively.
SCR is valuated cheaply with a Price/Forward Earnings ratio of 6.54.
97.37% of the companies in the same industry are more expensive than SCR, based on the Price/Forward Earnings ratio.
Compared to an average S&P500 Price/Forward Earnings ratio of 21.76, SCR is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 581.2 | ||
| Fwd PE | 6.54 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, SCR is valued cheaper than 86.84% of the companies in the same industry.
76.32% of the companies in the same industry are more expensive than SCR, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 5.96 | ||
| EV/EBITDA | 7.3 |
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 444.40% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.04
PEG (5Y)N/A
EPS Next 2Y1117.07%
EPS Next 3Y444.4%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 6.50%, SCR is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 4.58, SCR pays a better dividend. On top of this SCR pays more dividend than 89.47% 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 2.37.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.5% |
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 390.36% of its income as dividend. This is not a sustainable payout ratio.
The dividend of SCR is growing, but earnings are growing more, so the dividend growth is sustainable.
DP390.36%
EPS Next 2Y1117.07%
EPS Next 3Y444.4%
EPA:SCR (7/9/2025, 12:42:00 PM)
29.06
+0.4 (+1.4%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners47.28%
Inst Owner ChangeN/A
Ins Owners0.04%
Ins Owner ChangeN/A
Market Cap5.21B
Analysts76.67
Price Target31.2 (7.36%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.5% |
Yearly Dividend1.81
Dividend Growth(5Y)0.57%
DP390.36%
Div Incr Years1
Div Non Decr Years1
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-86.77%
Min EPS beat(2)-182.14%
Max EPS beat(2)8.6%
EPS beat(4)1
Avg EPS beat(4)-115.73%
Min EPS beat(4)-282.85%
Max EPS beat(4)8.6%
EPS beat(8)3
Avg EPS beat(8)-46.59%
EPS beat(12)4
Avg EPS beat(12)-136.91%
EPS beat(16)8
Avg EPS beat(16)-50.62%
Revenue beat(2)2
Avg Revenue beat(2)5.21%
Min Revenue beat(2)2.78%
Max Revenue beat(2)7.63%
Revenue beat(4)4
Avg Revenue beat(4)5.45%
Min Revenue beat(4)2.78%
Max Revenue beat(4)7.84%
Revenue beat(8)8
Avg Revenue beat(8)5.76%
Revenue beat(12)12
Avg Revenue beat(12)22.78%
Revenue beat(16)15
Avg Revenue beat(16)33.58%
PT rev (1m)2.65%
PT rev (3m)4.68%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-33.06%
EPS NY rev (1m)0%
EPS NY rev (3m)-0.92%
Revenue NQ rev (1m)2.28%
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)-1.39%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 581.2 | ||
| Fwd PE | 6.54 | ||
| P/S | 0.22 | ||
| P/FCF | 5.96 | ||
| P/OCF | 5.77 | ||
| P/B | 1.15 | ||
| P/tB | 1.63 | ||
| EV/EBITDA | 7.3 |
EPS(TTM)0.05
EY0.17%
EPS(NY)4.44
Fwd EY15.29%
FCF(TTM)4.88
FCFY16.79%
OCF(TTM)5.03
OCFY17.32%
SpS132.27
BVpS25.22
TBVpS17.78
PEG (NY)0.04
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.22% | ||
| ROE | 1.83% | ||
| ROCE | 1.73% | ||
| ROIC | 1.27% | ||
| ROICexc | 1.36% | ||
| ROICexgc | 1.65% | ||
| OM | 2.7% | ||
| PM (TTM) | 0.35% | ||
| GM | N/A | ||
| FCFM | 3.69% |
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
ROICexcg growth 3Y-11.91%
ROICexcg 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-Score4
Asset Turnover0.64
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.78 | ||
| Debt/FCF | 4.06 | ||
| Debt/EBITDA | 4.08 | ||
| Cap/Depr | 12.56% | ||
| Cap/Sales | 0.12% | ||
| Interest Coverage | 6.21 | ||
| Cash Conversion | 104.64% | ||
| Profit Quality | 1054.22% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score4
WACC5.73%
ROIC/WACC0.22
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)-98.81%
EPS 3Y-76.98%
EPS 5Y-57.79%
EPS Q2Q%1.82%
EPS Next Y13484.5%
EPS Next 2Y1117.07%
EPS Next 3Y444.4%
EPS Next 5Y169.15%
Revenue 1Y (TTM)-3.25%
Revenue growth 3Y-3.61%
Revenue growth 5Y-0.88%
Sales Q2Q%-0.91%
Revenue Next Year2.59%
Revenue Next 2Y2.62%
Revenue Next 3Y3.02%
Revenue Next 5YN/A
EBIT growth 1Y-72.09%
EBIT growth 3Y-22.86%
EBIT growth 5Y-12.97%
EBIT Next Year307.5%
EBIT Next 3YN/A
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%