SCOR SE (SCR.PA) Fundamental Analysis & Valuation

EPA:SCR • FR0010411983

Current stock price

32.34 EUR
-0.16 (-0.49%)
Last:

This SCR.PA fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

6

1. SCR.PA Profitability Analysis

1.1 Basic Checks

  • In the past year SCR was profitable.
  • In the past year SCR had a positive cash flow from operations.
  • Of the past 5 years SCR 4 years were profitable.
  • Each year in the past 5 years SCR had a positive operating cash flow.
SCR.PA Yearly Net Income VS EBIT VS OCF VS FCFSCR.PA Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 1B -1B 2B

1.2 Ratios

  • With a decent Return On Assets value of 3.51%, SCR is doing good in the industry, outperforming 68.89% of the companies in the same industry.
  • With an excellent Return On Equity value of 28.64%, SCR belongs to the best of the industry, outperforming 88.89% of the companies in the same industry.
  • Looking at the Return On Invested Capital, with a value of 4.08%, SCR is in the better half of the industry, outperforming 80.00% of the companies in the same industry.
  • Measured over the past 3 years, the Average Return On Invested Capital for SCR is in line with the industry average of 3.90%.
  • The last Return On Invested Capital (4.08%) for SCR is above the 3 year average (2.19%), which is a sign of increasing profitability.
Industry RankSector Rank
ROA 3.51%
ROE 28.64%
ROIC 4.08%
ROA(3y)1.55%
ROA(5y)0.27%
ROE(3y)12.2%
ROE(5y)2.34%
ROIC(3y)2.19%
ROIC(5y)N/A
SCR.PA Yearly ROA, ROE, ROICSCR.PA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 10 -10 -20 -30

1.3 Margins

  • SCR's Profit Margin of 5.59% is on the low side compared to the rest of the industry. SCR is outperformed by 71.11% of its industry peers.
  • In the last couple of years the Profit Margin of SCR has grown nicely.
  • Looking at the Operating Margin, with a value of 8.79%, SCR is doing worse than 66.67% of the companies in the same industry.
  • In the last couple of years the Operating Margin of SCR has grown nicely.
Industry RankSector Rank
OM 8.79%
PM (TTM) 5.59%
GM N/A
OM growth 3YN/A
OM growth 5Y23.72%
PM growth 3YN/A
PM growth 5Y32.87%
GM growth 3YN/A
GM growth 5YN/A
SCR.PA Yearly Profit, Operating, Gross MarginsSCR.PA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 5 -5

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ROAROEROICOperating and Profit MarginShow most profitable peers

2

2. SCR.PA Health Analysis

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.
  • The number of shares outstanding for SCR remains at a similar level compared to 1 year ago.
  • SCR has less shares outstanding than it did 5 years ago.
  • Compared to 1 year ago, SCR has a worse debt to assets ratio.
SCR.PA Yearly Shares OutstandingSCR.PA Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M
SCR.PA Yearly Total Debt VS Total AssetsSCR.PA Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10B 20B 30B 40B 50B

2.2 Solvency

  • SCR has a debt to FCF ratio of 3.03. This is a good value and a sign of high solvency as SCR would need 3.03 years to pay back of all of its debts.
  • With a Debt to FCF ratio value of 3.03, SCR perfoms like the industry average, outperforming 44.44% of the companies in the same industry.
  • SCR has a Debt/Equity ratio of 0.77. This is a neutral value indicating SCR is somewhat dependend on debt financing.
  • SCR has a worse Debt to Equity ratio (0.77) than 66.67% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.77
Debt/FCF 3.03
Altman-Z N/A
ROIC/WACC0.68
WACC6.01%
SCR.PA Yearly LT Debt VS Equity VS FCFSCR.PA Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2B 4B 6B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
SCR.PA Yearly Current Assets VS Current LiabilitesSCR.PA Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2B 4B 6B 8B 10B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

3. SCR.PA Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 15533.33% over the past year.
  • The Earnings Per Share has been growing by 30.07% on average over the past years. This is a very strong growth
  • SCR shows a decrease in Revenue. In the last year, the revenue decreased by -4.45%.
  • The Revenue has been decreasing by -2.56% on average over the past years.
EPS 1Y (TTM)15533.33%
EPS 3YN/A
EPS 5Y30.07%
EPS Q2Q%-16.15%
Revenue 1Y (TTM)-4.45%
Revenue growth 3Y-3.31%
Revenue growth 5Y-2.56%
Sales Q2Q%-9.61%

3.2 Future

  • The Earnings Per Share is expected to grow by 4.82% on average over the next years.
  • The Revenue is expected to grow by 3.02% on average over the next years.
EPS Next Y-10%
EPS Next 2Y-3.08%
EPS Next 3Y-1.1%
EPS Next 5Y4.82%
Revenue Next Year-1.31%
Revenue Next 2Y-0.21%
Revenue Next 3Y1.04%
Revenue Next 5Y3.02%

3.3 Evolution

  • The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
  • The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
SCR.PA Yearly Revenue VS EstimatesSCR.PA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 5B 10B 15B
SCR.PA Yearly EPS VS EstimatesSCR.PA Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2017 2019 2021 2023 2025 2027 2029 2031 2033 0 2 4 6

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7

4. SCR.PA Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 6.90, which indicates a rather cheap valuation of SCR.
  • Compared to the rest of the industry, the Price/Earnings ratio of SCR indicates a rather cheap valuation: SCR is cheaper than 95.56% of the companies listed in the same industry.
  • The average S&P500 Price/Earnings ratio is at 27.42. SCR is valued rather cheaply when compared to this.
  • A Price/Forward Earnings ratio of 7.66 indicates a rather cheap valuation of SCR.
  • Based on the Price/Forward Earnings ratio, SCR is valued cheaply inside the industry as 97.78% of the companies are valued more expensively.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 22.24, SCR is valued rather cheaply.
Industry RankSector Rank
PE 6.9
Fwd PE 7.66
SCR.PA Price Earnings VS Forward Price EarningsSCR.PA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Based on the Enterprise Value to EBITDA ratio, SCR is valued cheaply inside the industry as 91.11% of the companies are valued more expensively.
  • Based on the Price/Free Cash Flow ratio, SCR is valued a bit cheaper than 73.33% of the companies in the same industry.
Industry RankSector Rank
P/FCF 5.13
EV/EBITDA 3.2
SCR.PA Per share dataSCR.PA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 20 40 60 80 100

4.3 Compensation for Growth

  • SCR has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)0.23
EPS Next 2Y-3.08%
EPS Next 3Y-1.1%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

7

5. SCR.PA Dividend Analysis

5.1 Amount

  • SCR has a Yearly Dividend Yield of 5.82%, which is a nice return.
  • SCR's Dividend Yield is rather good when compared to the industry average which is at 3.89. SCR pays more dividend than 86.67% of the companies in the same industry.
  • SCR's Dividend Yield is rather good when compared to the S&P500 average which is at 1.81.
Industry RankSector Rank
Dividend Yield 5.82%

5.2 History

Dividend Growth(5Y)N/A
Div Incr Years1
Div Non Decr Years1
SCR.PA Yearly Dividends per shareSCR.PA Yearly Dividends per shareYearly Dividends per share 2019 2020 2021 2022 2023 2024 2025 2026 1 2 3

5.3 Sustainability

  • 25.39% of the earnings are spent on dividend by SCR. This is a low number and sustainable payout ratio.
DP25.39%
EPS Next 2Y-3.08%
EPS Next 3Y-1.1%
SCR.PA Yearly Income VS Free CF VS DividendSCR.PA Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 1B -1B 2B
SCR.PA Dividend Payout.SCR.PA Dividend Payout, showing the Payout Ratio.SCR.PA Dividend Payout.PayoutRetained Earnings

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SCR.PA Fundamentals: All Metrics, Ratios and Statistics

SCOR SE

EPA:SCR (4/24/2026, 7:00:00 PM)

32.34

-0.16 (-0.49%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)03-04
Earnings (Next)05-06
Inst Owners44.41%
Inst Owner ChangeN/A
Ins Owners0.06%
Ins Owner ChangeN/A
Market Cap5.80B
Revenue(TTM)22.67B
Net Income(TTM)1.27B
Analysts77
Price Target33.85 (4.67%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 5.82%
Yearly Dividend1.8
Dividend Growth(5Y)N/A
DP25.39%
Div Incr Years1
Div Non Decr Years1
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)10.88%
Min EPS beat(2)7.05%
Max EPS beat(2)14.71%
EPS beat(4)4
Avg EPS beat(4)16.35%
Min EPS beat(4)7.05%
Max EPS beat(4)34.36%
EPS beat(8)5
Avg EPS beat(8)-49.69%
EPS beat(12)7
Avg EPS beat(12)-25.61%
EPS beat(16)8
Avg EPS beat(16)-98.6%
Revenue beat(2)2
Avg Revenue beat(2)9.74%
Min Revenue beat(2)5.61%
Max Revenue beat(2)13.87%
Revenue beat(4)4
Avg Revenue beat(4)9.66%
Min Revenue beat(4)5.61%
Max Revenue beat(4)13.87%
Revenue beat(8)8
Avg Revenue beat(8)7.56%
Revenue beat(12)12
Avg Revenue beat(12)7.06%
Revenue beat(16)16
Avg Revenue beat(16)19.5%
PT rev (1m)6.06%
PT rev (3m)5%
EPS NQ rev (1m)-0.52%
EPS NQ rev (3m)-0.99%
EPS NY rev (1m)-0.81%
EPS NY rev (3m)-1.58%
Revenue NQ rev (1m)-0.97%
Revenue NQ rev (3m)-0.41%
Revenue NY rev (1m)-2.27%
Revenue NY rev (3m)-12.24%
Valuation
Industry RankSector Rank
PE 6.9
Fwd PE 7.66
P/S 0.26
P/FCF 5.13
P/OCF 4.96
P/B 1.31
P/tB 1.86
EV/EBITDA 3.2
EPS(TTM)4.69
EY14.5%
EPS(NY)4.22
Fwd EY13.05%
FCF(TTM)6.3
FCFY19.49%
OCF(TTM)6.52
OCFY20.16%
SpS126.35
BVpS24.67
TBVpS17.43
PEG (NY)N/A
PEG (5Y)0.23
Graham Number51.0266 (57.78%)
Profitability
Industry RankSector Rank
ROA 3.51%
ROE 28.64%
ROCE 5.56%
ROIC 4.08%
ROICexc 4.34%
ROICexgc 5.22%
OM 8.79%
PM (TTM) 5.59%
GM N/A
FCFM 4.99%
ROA(3y)1.55%
ROA(5y)0.27%
ROE(3y)12.2%
ROE(5y)2.34%
ROIC(3y)2.19%
ROIC(5y)N/A
ROICexc(3y)2.32%
ROICexc(5y)N/A
ROICexgc(3y)2.79%
ROICexgc(5y)N/A
ROCE(3y)2.98%
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5Y29.31%
ROICexc growth 3YN/A
ROICexc growth 5Y27.37%
OM growth 3YN/A
OM growth 5Y23.72%
PM growth 3YN/A
PM growth 5Y32.87%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.63
Health
Industry RankSector Rank
Debt/Equity 0.77
Debt/FCF 3.03
Debt/EBITDA 1.53
Cap/Depr 15.35%
Cap/Sales 0.17%
Interest Coverage 17.03
Cash Conversion 52.09%
Profit Quality 89.2%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC6.01%
ROIC/WACC0.68
Cap/Depr(3y)14.52%
Cap/Depr(5y)18.6%
Cap/Sales(3y)0.21%
Cap/Sales(5y)0.31%
Profit Quality(3y)7395.37%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)15533.33%
EPS 3YN/A
EPS 5Y30.07%
EPS Q2Q%-16.15%
EPS Next Y-10%
EPS Next 2Y-3.08%
EPS Next 3Y-1.1%
EPS Next 5Y4.82%
Revenue 1Y (TTM)-4.45%
Revenue growth 3Y-3.31%
Revenue growth 5Y-2.56%
Sales Q2Q%-9.61%
Revenue Next Year-1.31%
Revenue Next 2Y-0.21%
Revenue Next 3Y1.04%
Revenue Next 5Y3.02%
EBIT growth 1Y211.25%
EBIT growth 3YN/A
EBIT growth 5Y20.55%
EBIT Next Year-5.02%
EBIT Next 3Y-0.45%
EBIT Next 5YN/A
FCF growth 1Y29.26%
FCF growth 3Y38.04%
FCF growth 5Y5.8%
OCF growth 1Y29.57%
OCF growth 3Y32.76%
OCF growth 5Y3.44%

SCOR SE / SCR.PA Fundamental Analysis FAQ

What is the ChartMill fundamental rating of SCOR SE (SCR.PA) stock?

ChartMill assigns a fundamental rating of 5 / 10 to SCR.PA.


What is the valuation status for SCR stock?

ChartMill assigns a valuation rating of 7 / 10 to SCOR SE (SCR.PA). This can be considered as Undervalued.


How profitable is SCOR SE (SCR.PA) stock?

SCOR SE (SCR.PA) has a profitability rating of 6 / 10.


What are the PE and PB ratios of SCOR SE (SCR.PA) stock?

The Price/Earnings (PE) ratio for SCOR SE (SCR.PA) is 6.9 and the Price/Book (PB) ratio is 1.31.


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 decline by -10% in the next year.