SCOR SE (SCR.PA) Stock Fundamental Analysis
Europe - Euronext Paris - EPA:SCR - FR0010411983 - Common Stock
27.92 EUR
-0.1 (-0.36%)
We assign a fundamental rating of 4 out of 10 to SCR. SCR was compared to 48 industry peers in the Insurance industry. There are concerns on the financial health of SCR while its profitability can be described as average. SCR may be a bit undervalued, certainly considering the very reasonable score on growth Finally 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
- SCR has a Return On Assets of 2.71%. This is in the better half of the industry: SCR outperforms 70.21% of its industry peers.
- Looking at the Return On Equity, with a value of 22.10%, SCR belongs to the top of the industry, outperforming 80.85% of the companies in the same industry.
- SCR has a Return On Invested Capital of 3.32%. This is in the better half of the industry: SCR outperforms 78.72% 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
- With a Profit Margin value of 4.15%, SCR is not doing good in the industry: 85.11% of the companies in the same industry are doing better.
- In the last couple of years the Profit Margin of SCR has declined.
- SCR has a Operating Margin of 6.88%. This is in the lower half of the industry: SCR underperforms 76.60% of its industry peers.
- SCR's Operating Margin has declined in the last couple of years.
| 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
- With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), SCR is destroying value.
- The number of shares outstanding for SCR remains at a similar level compared to 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
- 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.
- With a Debt to FCF ratio value of 3.01, SCR perfoms like the industry average, outperforming 48.94% 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.
- With a Debt to Equity ratio value of 0.80, SCR is not doing good in the industry: 68.09% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.8 | ||
| Debt/FCF | 3.01 | ||
| Altman-Z | N/A |
ROIC/WACC0.57
WACC5.79%
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
- The Revenue has decreased by -4.19% in the past year.
- Measured over the past years, SCR shows a decrease in Revenue. The Revenue has been decreasing by -0.88% on average per year.
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
- SCR is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 170.33% yearly.
- SCR is expected to show a decrease in Revenue. In the coming years, the Revenue will decrease by -0.66% yearly.
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
- 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 5.70, the valuation of SCR can be described as very cheap.
- SCR's Price/Earnings ratio is rather cheap when compared to the industry. SCR is cheaper than 97.87% of the companies in the same industry.
- When comparing the Price/Earnings ratio of SCR to the average of the S&P500 Index (27.38), we can say SCR is valued rather cheaply.
- SCR is valuated cheaply with a Price/Forward Earnings ratio of 6.51.
- Based on the Price/Forward Earnings ratio, SCR is valued cheaper than 97.87% of the companies in the same industry.
- Compared to an average S&P500 Price/Forward Earnings ratio of 24.29, SCR is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.7 | ||
| Fwd PE | 6.51 |
4.2 Price Multiples
- 91.49% of the companies in the same industry are more expensive than SCR, based on the Enterprise Value to EBITDA ratio.
- SCR's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. SCR is cheaper than 78.72% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 4.33 | ||
| EV/EBITDA | 3.56 |
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 434.72% in the coming years. This may justify a more expensive valuation.
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 6.42%, which is a nice return.
- Compared to an average industry Dividend Yield of 4.19, SCR pays a better dividend. On top of this SCR pays more dividend than 89.36% of the companies listed in the same industry.
- Compared to an average S&P500 Dividend Yield of 1.85, SCR pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.42% |
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
- 33.61% of the earnings are spent on dividend by SCR. This is a low number and 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 (1/16/2026, 7:00:00 PM)
27.92
-0.1 (-0.36%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)10-31 2025-10-31/bmo
Earnings (Next)03-02 2026-03-02/amc
Inst Owners50.12%
Inst Owner ChangeN/A
Ins Owners0.03%
Ins Owner ChangeN/A
Market Cap5.01B
Revenue(TTM)23.08B
Net Income(TTM)958.00M
Analysts76.67
Price Target32.24 (15.47%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.42% |
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)0.66%
PT rev (3m)2.59%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-4.42%
EPS NY rev (1m)0.63%
EPS NY rev (3m)4.66%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)1.87%
Revenue NY rev (1m)-0.01%
Revenue NY rev (3m)2.13%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.7 | ||
| Fwd PE | 6.51 | ||
| P/S | 0.22 | ||
| P/FCF | 4.33 | ||
| P/OCF | 4.17 | ||
| P/B | 1.16 | ||
| P/tB | 1.45 | ||
| EV/EBITDA | 3.56 |
EPS(TTM)4.9
EY17.55%
EPS(NY)4.29
Fwd EY15.36%
FCF(TTM)6.45
FCFY23.1%
OCF(TTM)6.7
OCFY24%
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
WACC5.79%
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.